Sirius Satellite Radio Blows...

[Duddits]

Duddits, you should have asked them how they got the updated expiration date while you were on the phone with them. 'cause if someone gave it to them without your permission you can sue them as Mor said. That is unacceptable, especially if it was your bank that gave it to them.

Likely the bank won't know, as it could be someone working there that did it in that case, and they would deny it.

I just called Sirius back to find out how they got my new number and they told me that their system is linked with the banks system and when my info is changed in the banks system, it's updated in theirs.

Now I need to find out how that is legal because I'm sure thats what the bank will tell me.

 

[Uzor]

I'm no legal expert, but I don't think that is legal unless the bank have your signed consent to share your information with third-parties.

 

[Duddits]

Well, I went to the bank today and spoke to the branch manager and like I thought, they said it was perfectly legal since I gave the authorization for reoccuring payments. They told me that some company's choose not to link up with the bank to update credit card numbers when old ones expire as another measure to prevent fraud. I guess thats another reason why FFXI started using VbV. She told me that a high percentage of credit card fraud is perpetrated by the online gaming community...lol

On the other hand, If I had reported fraudulent use of my credit card instead of simply letting it expire, they would have changed all 16 numbers on the card and would have stopped all reoccuring payments already established.

Apparently she knew what she was talking about since her 56 year old husband has Sirius radio as well, and he also plays FFXI and WoW with his 16 year old kid. Makes him feel connected...

So I had to ask...What servers do they play on? lol

 

[Morcheeba]

Well, I went to the bank today and spoke to the branch manager and like I thought, they said it was perfectly legal since I gave the authorization for reoccuring payments.

This is what occurred to me today while I was too busy to come back on the site lol.

I thought 'hey! He had it set-up for automatic renewal, of course the company could get the new info!' lol it's in your contract.

Mystery solved eh. Was raring up for a crazy game of detective!

 

[Morcheeba]

I just called Sirius back to find out how they got my new number and they told me that their system is linked with the banks system and when my info is changed in the banks system, it's updated in theirs.

Now I need to find out how that is legal because I'm sure thats what the bank will tell me.

When you initially agreed to the terms they would of had to provide the bank with written contract. Something in writing with your sig etc.

I would still double check but that's sounds about par.

 

[Duddits]

When you initially agreed to the terms they would of had to provide the bank with written contract. Something in writing with your sig etc.

I would still double check but that's sounds about par.

I'm not sure if thats the case with online transactions or even if U.S. banks require that.

 

[Strid]

I had the same problem with Sirius. I went with them over XM after XM cut the hours of their Death Metal channel to nil. When Sirius did the same thing I tried callin' for days, I finally canceled the card I was usin' and it worked. So in short, I know how you feel. They badgered me for a few more months about renewin' and settin' me up a better deal for less than normal, etc., etc. I'd rather deal with Sprint or Charter Communications again than them.

 

[Duddits]

I had the same problem with Sirius. I went with them over XM after XM cut the hours of their Death Metal channel to nil. When Sirius did the same thing I tried callin' for days, I finally canceled the card I was usin' and it worked. So in short, I know how you feel. They badgered me for a few more months about renewin' and settin' me up a better deal for less than normal, etc., etc. I'd rather deal with Sprint or Charter Communications again than them.

Yeah, I'm really picky when it comes to the music that I listen to. If I hear the same song on a specific channel 3 times in one day and then hear it again the same day on another channel, I get pissed. Most of the Sirius DJ's are worthless because they really don't play what they want to play, everythings already formatted for them. All they do is plug it in and then make a few comments in between songs.

There is so much music out there you shouldn't have to hear the same shit over and over again, especially if you're paying for it.

My mp3 player has about 6,000 songs on it and I have it on random setting so I can go quite a long time without hearing the same song again.

 

[Morcheeba]

I'm not sure if thats the case with online transactions or even if U.S. banks require that.

Yea you're right. The online contracts I'm unsure exactly what they would require legally. I suppose if you've provided enough personal information that's enough.

It's like when you alter a plan slightly, home phone, cell phone, cable, they say that you've entered into a new contract. I think that's bull and just a way to try to catch a consumer in red tape, but of course!.. however, they won't ADVISE you upon 'upgrading' or altering a plan slightly to better suit your needs that this establishes a new contract.

tsk tsk

 

[Duddits]

It's like when you alter a plan slightly, home phone, cell phone, cable, they say that you've entered into a new contract. I think that's bull and just a way to try to catch a consumer in red tape, but of course!.. however, they won't ADVISE you upon 'upgrading' or altering a plan slightly to better suit your needs that this establishes a new contract.

tsk tsk

I got a laugh out of this because thats exactly what happened with me and my Sprint/Nextel contract. Back at the end of June I suspended my account because I couldn't pay the bill and I didn't want them to close the account due to non-payment. I was told that it would cost $9 a month and after the 3rd month, my account would switch back to the original plan and then it would be closed if it still wasn't paid off.

After about 2 weeks, I paid my bill in full and had the service restored to the original plan. Yesterday, I get a letter in the mail from Sprint thanking me for choosing their "Seasonal Service Plan" which consisted of paying a $5.95 per month access fee and outrageous by the minute rates for local & long distance calls and a $0.50 per minute charge for direct connect calls. It said that this plan would be in effect for 6 months before reverting back to my original plan. I looked at it and said wtf is this?

I logged into my account and saw that my plan is still listed under the original plan so obviously, Sprint has a whole department of dildos that aren't keeping up to speed with current accounts and are at least a month behind.

 

[Valandil]

When you initially agreed to the terms they would of had to provide the bank with written contract. Something in writing with your sig etc.

I would still double check but that's sounds about par.

A signature is not required.

 

[Uzor]

Did a quick google to see if a signature is required, and found this:

There are important exceptions designed to resolve the practical problems with an opt-out provision. For example, opt-out does not apply in cases where information sharing is necessary to produce a consolidated customer statement, complete a transaction, or service the customer's account. It also does not apply to information disclosed to market the financial institution's own products or services offered through joint agreements with another financial institution.

Can find the full article here: http://www.aba.com/Industry+Issues/GR_PR_Existing.htm

In closing, it seem it is fully legal if you have business relationship with both companies in question.

 

[Morcheeba]

A signature is not required.

I did mention below that I understand that.

Online contracts are not signed, not even digitally, but you provide enough personal information that I guess it's enough to verify that you are who you say who you are.

 

[Duddits]

I did mention below that I understand that.

Online contracts are not signed, not even digitally, but you provide enough personal information that I guess it's enough to verify that you are who you say who you are.

If I ever want to perpetrate some CC fraud, I'm gonna look you up. :biggrin: j/k

 

[Morcheeba]

If I ever want to perpetrate some CC fraud, I'm gonna look you up. :biggrin: j/k

Dude it's the truth! lol actually, >.> working on 'new' car insurance btw

I can' t see why I would 'forget' my online purchases and/or agreements I never would physically sign anything... really.

But no, they're perfectly binding by law, I just don't completely understand how.

 

[Duddits]

Dude it's the truth! lol actually, >.> working on 'new' car insurance btw

I can' t see why I would 'forget' my online purchases and/or agreements I never would physically sign anything... really.

But no, they're perfectly binding by law, I just don't completely understand how.

Maybe its the few drinks I had at the bar tonight, but I'm having a hard time understanding what you're trying to say here other than your last 6 words...

Please, forgive me... :facepalm:

 

[Valandil]

I did mention below that I understand that.

Online contracts are not signed, not even digitally, but you provide enough personal information that I guess it's enough to verify that you are who you say who you are.

Sorry, I meant written agreement. Basically if someone submits a request for payment and they have your card number (or checking account number), the bank assumes that it is a valid request and will honor said request for payment unless your account has previously been flagged for potential fraud or you go into your financial institution and file a dispute.