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Old 26.05.2017, 23:56
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liberty /bonus card : invoice for a card never ordered

Dear friends - need help.

Bonus card today sent me an invoice for the below charges
- yearly charge for a VISA card
- Reminder for March, April, May
- Interest of each of the months Feb, Mar, Apr, May

But the interesting point is that
- I have never ordered a card
- I have never received one because I have never ordered one

I called them. They told me the following
- I had a half tax / VISA credit card till 2016.
- Then I switched to Swiss Pass
- They gave me the card for 1 year for free and now they want to charge me since January.

I assumed that the credit card is cancelled with the half tax. So far I considered my assumption to be correct because, I never received a card because knowingly (or unknowingly - who knows) I did not order one.
- Today I checked their website (my mac remembered the password :-))
- There are really 4 invoices.

Just wrote to them to
- cancel all the cards that I have with them
- cancel all invoices as I never received a card

Now there is a chance that they can say I am lying and i knowingly delayed the payment as in theory I had access to their online services. So in theory I had the possibility to know that there is a product issued in my name even if I never received the product.

Now I have the below options if they refuse to cancel the invoices
a) Pay and forget
b) Pay and fight
c) don't pay and fight

Total amount due = 125 chf. So its not worth to go to a lawyer.
But its also not about the amount, its about that uneasy / irritating feeling of being "cheated" or "taken for granted".

What should I do ?

regards,
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Old 27.05.2017, 01:34
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Re: liberty /bonus card : invoice for a card never ordered

If you didn't cancel it in line with the T&C's, just assumed it was cancelled with the halb tax, I think your wicket is decidedly sticky. So you haven't been cheated, you just didn't follow the rules of cancellation, and as a result have a bill. Best you can do is to phone them and explain, and hope you get someone helpful.... but don't hold your breath.
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Old 27.05.2017, 08:14
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Re: liberty /bonus card : invoice for a card never ordered

It is sneaky. It is unfair. But is legal.

I read the info they sent on the change to Liberty and cancelled in good time.

Suck it up and put it down to experience - and never use Liberty/Bonus again...

PS - see this thread: https://www.englishforum.ch/finance-...edit-card.html
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Old 27.05.2017, 08:29
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The 'cheap' halbtax/credit card is conditional on taking it for two years, as would have been made clear when you took it out. Had you tried top cancel the card before the first year was up they might have let you do so, but after the automatic renewal your chances are almost zero.

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But its also not about the amount, its about that uneasy / irritating feeling of being "cheated" or "taken for granted".
You haven't been cheated, you simply didn't read or fully understand the terms and conditions. It might not seem fair, but why else do you think they would give you a combined halbtax and credit card for less than the cost of either of them individually?
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Old 27.05.2017, 12:05
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Re: liberty /bonus card : invoice for a card never ordered

There was a fuss about this when the Halbtax card became Liberty a while back. I was caught up in it and missed the initial deadline. Like many others, I'd found the letter they sent unclear. There were so many complaints that they agreed to allow people to cancel after the cut-off, which I did. Whether they are still feeling in such a generous mood, I don't know, but do a bit of research both with AbFab's link and Google. There were stories in the Swiss press with advice on what to do.
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Old 27.05.2017, 14:01
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Re: liberty /bonus card : invoice for a card never ordered

I got a letter from liberty today too. a bit annoying. i wouldn't mind if there was a zero annual charge, then i would just ignore it.
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Old 27.05.2017, 22:02
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Re: liberty /bonus card : invoice for a card never ordered

I remember they were very adamant to sell me one, too. I had to get quite rude to get a normal three year halbtax. Never take anything that comes with a credit card in tow. It screams fraud.
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Old 28.05.2017, 00:02
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Re: liberty /bonus card : invoice for a card never ordered

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Never take anything that comes with a credit card in tow. It screams fraud.
Fraud is exactly what it is not. A contract was agreed and the terms were clear.

I just don't get this attitude. All it 'screams' to me is that there's no such thing as a free lunch. Why would anyone,especially in Switzerland, expect otherwise?
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Old 28.05.2017, 01:23
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Re: liberty /bonus card : invoice for a card never ordered

Yes, it's not exactly a fraud, but they're walking on thin ice here. The only clause in the original contract that you agreed to that lets them rip you off like that is that they reserved a right to change their terms and conditions at any time. Good old bait and switch.

It may or may not be illegal due to Art. 8 UWG. If you haven't actually received the new card or the new terms it may help a lot. But you'd need to turn to a court to test it out and that comes with a big downside that if you lose, you'll owe a lot more in legal fees.

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It might not seem fair, but why else do you think they would give you a combined halbtax and credit card for less than the cost of either of them individually?
Don't you know how the credit card industry work? Why do you think there exist so many free credit cards everywhere? They collect a cut of your purchases from the merchants already. Apparently this used to be lucrative enough to compensate for halftax's cost, but unfortunately, the cc industry has been forced to dial down on greed in their merchant fees in recent years, and so the banks were pushed to start milking the consumers more directly in various ways. Like with yearly charges on previously free cards, or 1.75% fees for purchases abroad even if in same currency...

Last edited by ivank; 28.05.2017 at 02:00.
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Old 28.05.2017, 09:37
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Re: liberty /bonus card : invoice for a card never ordered

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I remember they were very adamant to sell me one, too. I had to get quite rude to get a normal three year halbtax. Never take anything that comes with a credit card in tow. It screams fraud.
I asked them there and then if the credit card would be on the same terms after the Halbtax ended if I later would want to buy a Halbtax without Credit card. "Clearly, it is a good deal", I heard from them, didn't believe it. Too good to be true, banks and Credit Card institutions do not think that way. And since they had to make their quota, they would have likely told me anything.

To me that's fraud. And it was even easily to detect.

At least, I am not a victim.

Last edited by marischi; 28.05.2017 at 09:49.
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Old 28.05.2017, 14:52
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Re: liberty /bonus card : invoice for a card never ordered

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Fraud is exactly what it is not. A contract was agreed and the terms were clear.

I just don't get this attitude. All it 'screams' to me is that there's no such thing as a free lunch. Why would anyone,especially in Switzerland, expect otherwise?
I agree that it isn't fraud but disagree that the terms were clear. So many people complained about the unrequested, unexpected change in terms and conditions that the company had to issue an apology, and agreed to allow cancellation long after their initial deadline. This should have been a contract-in arrangement, not a contract-out.

No one is asking for a free lunch, just one that isn't delivered without us ordering it, and whose cost isn't made clear.
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Old 28.05.2017, 15:19
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Re: liberty /bonus card : invoice for a card never ordered

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I agree that it isn't fraud but disagree that the terms were clear. So many people complained about the unrequested, unexpected change in terms and conditions that the company had to issue an apology, and agreed to allow cancellation long after their initial deadline. This should have been a contract-in arrangement, not a contract-out.

No one is asking for a free lunch, just one that isn't delivered without us ordering it, and whose cost isn't made clear.
I agree it should be a contract-in. Frankly, I think there should be a statutory penalty for such unfair clauses in consumer contracts to discourage them in contracts.
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Old 28.05.2017, 16:47
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Re: liberty /bonus card : invoice for a card never ordered

There is one! Art. 8 UWG.

The problem is that to use it, you need to sue them and bear court process risks
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