Do you ever sign up for a "free trial" that
requires you to put in your credit card, only to forget that you signed up
because life got in the way? Trust me..... You are not alone.....
A little research could help you recover some lost money....
I recently reviewed my accounts, credit cards and
bank statements and realized that I was being charged for a membership with a
credit reporting agency. The thing is, I opened that account in September 2012
and canceled in October of 2012. I actually had a paper trail for proof of
that, not to mention confirmation from the credit reporting agency that I did
in fact call them in October of 2012. Well, here we are, November 2016 and they
were still charging me $19.95 a month. I didn’t realize they were still
charging me until I went through my statements.
So I called them and
told them they owed me $778.05 for at least 3 years of a membership I had
previously canceled. The guy didn’t want to refund me anything more than a
month, however, I had proof of the cancellation. So, they really had no choice.
I just received a credit of $778.05 to the card they had been charging.
So my recommendation
to all my friends, family and clients, check your statements and see if you’ve
signed up for something that you are no longer using and cancel it, or if you
had previously canceled things, check your accounts to see if you’re still
being charged.
Even if a company
doesn’t owe you anything from prior months, just think about all the money
you’ll save in the coming months if you cancel things you forgot you signed up
for, but are not using, or no longer need.
With the holiday’s
around the corner, this savings can make a huge difference.
If you’re working on
saving to buy a home, this can make a difference in your debt to income ratio as well.
You never know, you
might just find a pot of gold somewhere.
