Complaint Review: R AP9 Credit diagnosis -Shopping Essentials - Norwalk Connecticut

I was billed 29.95 and a 1.00 for an online enrollment for a free credit report. I remembered the terms and conditions and it slipped my mind to call and cancel. When I did call I spoke with a representative and they gave me a refund. I also remembered the offers that were made when I provided my credit card info. I read through everything and declined the offers such as Privacy Matters and PM Identity. For some reason people are so eager to get what they want and don't take the time to READ. And what is even more confusing that people feel safe in their home and provide their personal info on the internet which is also considered to the WORLD WIDE WEB! but are hesitant to give credit card info to a live representative. ? If you don't want to be charged don't be dumb enough to hand out your info.! It's not fraud! It's dumb people!

Oh and this is a disclaimer....The Electronic Signatures in Global and National Commerce Act ("ESIGN") 1 , most of which becomes effective on October 1, 2000, marks the latest statutory milestone on the road to a nationally consistent legal framework for electronic commerce. It joins the proposed Uniform Electronic Transactions Act (UETA), versions of which have already been adopted in 18 states (including Pennsylvania and Maryland) with other versions pending in most other states (including New Jersey and Delaware).

ESIGN and UETA apply to transactions among individuals, businesses, and governments; ESIGN only applies to transactions "in or affecting interstate or foreign commerce". Both statutes provide - with numerous exceptions - that electronic contracts, signatures and other transactional records "may not be denied legal effect, validity, or enforceability" solely because they are in electronic form.

An "electronic signature" is an "electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record." As UETA's official comments make clear, "No specific technology need be used ...[T]he critical element is the intention to execute or adopt the sound or symbol or process for the purpose of signing the related record." Consequently a valid "electronic signature" does not need to be an encrypted signature such as those created by PGP or other digital encryption programs. It can be a webpage clickthrough ("I ACCEPT"), a sound ("OK!"), typed letters at the bottom of an email message ("Moi"), a fingerprint, a DNA sequence, or something totally unimaginable today, so long as it is intended as a signature by the signer. Even the act of a nonhuman "electronic agent" empowered by a party may be sufficient to bind the party. However, the more stringent and secure the signing process is, the more difficult it will be for the purported signer to deny or evade responsibility.

It is the year 2009 everyone! Wake Up and read the fine print watch your billing statements. Fraud no! Irresponsibility yes! Why is it when I make a purchase online I see the terms and conditions and take responsibility of any charges that are posted to my account. And for some reason you people can not be responsible to read and comprehend that nothing now days is free! There is always something attatched to a free offer. Rule of thumb "if something sounds too good to be true it usually is". What happened to your levels of comprehension these days. It's not the company it's dumb people that don't read.!!!

R092

-, Alaska

U.S.A.