[jessieyuen]

My question involves business law in the state of: ca
Hello every, I really need your help. I had signed a service agreement at Feb 2007 with ??? bank card service provider. I find them in the web, they had low monthly fee, no monthly minimum require, no contract, no other fee. and I talk to the representative who was very nice at that time and confirm with me again No monthly minimum, No contract, all I have to paid is 5 dollars per month to keep the account. After the first year I notice they withdraw small amount of money from my account, if I call them they will refund part of that but not in full. Sometimes the amount is very small it not worth for me wait on the phone line for more than half an hour so I let it go. They begin to withdraw from my account more often like 45 cents / dollars or 2 each time for no reason. SO I call them to cancel the service they are very helpful to stop the service within few days. One weeks later I find out they had withdraw 250 dollars from my account. I contact them ask why, then they told me I had three years contract with them. I told them there is no contract in my agreement. I had the copy of myself. But the lady who answer my call said that there is a set of terms & condition which indicate that is three years contract or 250 cancellation fee. She said that is the agreement even they ask for 2000, I still have to paid. I told her I had never seen such terms at all. She said it does not any matter I had to paid even the terms & condition without my signature. I called the representative I had spoke to before, he never answer my call. For no where to go, I call my bank and explain the situation, they reverse the amount for me and block my account from them to withdraw again. Now they send me collection letter and add penalty charge too. Do I have to pay them? I believe this is a fraud, they still advertise in some of the web site for the same thing, and also I found lots of complaint just like me in the rip-off report. What can I do now? I really don't think I should pay but I am afraid they can add or double the penalty and than ruin my credit report. Please help, help? I really hope someone will bring them to court to avoid more victim. If I have the money I will do that with no doubt. As a small guy like me, do I have my right? Thank you very much for your respond and help me. Thanks a lot.

[Mr. Knowitall]

We have no information about the service you signed up for, its terms, or even its nature. If you cannot provide that type of information, we can't begin to address the question of whether this is a valid charge.

[jessieyuen]

In the agreement I sign does not has the terms and condition they said. But they told me there has one in their company file and they do need my signature in that part but still valid because I had signature in the agreement. It that true? Is that consider fraud they hiding something without let the custom aware of that? I had reqquest they mail me the terms and condition but I do not received anything other than first collection letter.

[jessieyuen]

I forgot to tell you this agreement I sign for is visa & master card processing for my business.

[Mr. Knowitall]

We have no way of knowing what you signed.

See if your bank will reverse the withdrawal.

[jessieyuen]

I am very surprise with your answer. What I try to asking is the agreement I had sign before, now there are some more pages pop up, and those pages does not have my signature. Is any contract law I can read to know more what is my right?