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Legal action: When is it worth it?
Unbeknownst to me, my bank automatically added two monthly payments to my account. One from a mobile phone company, the other... from a company I've never even heard of, but apparently publishes curricula online for a fee. Both would be awesome, had I not purchased a pre-paid phone from an altogether different company ages ago and landed myself an awesome job a while ago as well. I thought it was an honest mistake, and went to my bank today. It wasn't a large sum of money, my losses totalled about 40 dollars.
Upon my arrival, I learned I could not have the money they already withdrew from my account back because... they had already withdrawn it from my account, and it rightfully belongs to these companies now. All I could do was block future payments from these companies (and these companies alone) and check my account every other week to make sure no one charged me for random things I never got. I then decided to go to the phone company, but it was just as frustrating: their system was down, and they asked me to come back later tomorrow with a letter stating that I've never had any business with them - provided the system will be back when I show up. The other company is an online company, and I'm afraid I may clog something if I shove myself into the series of tubes known as the internet. I'm sure that's how Russian hackers operate anyway, and God know what they're capable of.
So, the question is:- When is it okay, in your opinion, to take legal action? Would you go to the phone company again, or is once more than enough? Should I even bother locating the online company? I visited their website, and there isn't a single page I can use to contact them - unless I sign up.
- Would you sue the bank for failing to protect you and inform you before it was too late?
- Has something similar ever happened to you? What did you go?
Whether or not I'll sue anyone depends on my level of arsedness when I wake up on Monday... It's probably easier than going back and forth asking these companies for my money back, but I'm not sure this is fair as I was well received by the phone company, and my attempt to contact the online company lasted about 5 minutes.
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