Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

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Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    Default Ziinga auction site - hidden monthly subscription - be warned

    Hi all and a very happy Christmas to every one.

    Not sure if I am posting this new post in the right place but i am sure some one will let me know one way or the other.

    I joined an Auction web site called Ziinga.com about a month ago.
    On filling in the form on line to register it requested that you give your debit/credit card details.

    I assumed so that you could purchase bids and pay for any thing you won in an auction. I saw no reason to think it was in any was dubiouse.

    I only used the site once, I used the free to bid auction to win some bids, For this they debited my card 3.78 or there about.

    I tried to bid on other items the same day but noticed that how ever many times you bid, you were always outbid in the last 1 second. and the bidding could go on for days. I then realised that if you are paying for each bid, you could end up spending a fortune just trying to win an auction. I saw no point in this so never went back to it again.

    yesterday I had 59.99 taken out of my bank, I could not see who it had been taken by as it was not showing on my statement at that point, so I telephoned my bank.

    They informed me that it had been taken by debit card at 03.13am that morning by Ziinga Hoofddorp. I told my bank that I had made no payments to any one of that name. The bank said they would see what they could find out. They then informed me that if I looked up the name on Google I would see that it is a [problem].

    The person at the bank then searched the internet again and came back to me telling me that it was a subscription site and because I had joined this Ziinga that I had subscribed to this.

    I explained that I was not aware of any subscription but as far as the bank was concerned it was tuff, I had agree to pay them a monthly fee.

    I then searched the internet and found this site http://http://reviewopedia.com/workathome/ziinga-reviews-legit-or-[problem]/

    I am not the only one in this situation it seems.

    I tryed talking to this Ziinga on their live chat thing on there site. They insisted that I had a contract with them now to pay them 59.99 a month and the only way to cancel it is to pay them another 28.

    I get angry with them but politely, informed them that I had no idea it was a subscription thing.

    They informed me that as soon as you make a bid you automatically become a premium member and are then bound by their terms and conditions which apparently state some where that you have to pay this monthly fee.

    I tried arguing the fact that, this is not made clear any where when you sign up or give your card details. My argument being that if it is blatantly obvious then how come they are catching so many people the same way. They were having none of it.

    I telephoned my bank again to cancel my card and request a new one, but they advised me that this may not stop them as they have my details and do not need the last 4 digits on my card any way in order to make another transaction. Apparently there is some technical reason for that.

    Basically they are stealing our money and getting away with it.

    They are based it seems in Malta.

    It also appears that the people in America has been caught by them big time.

    I suspect there are many more people in this country too who have yet to come forward.

    I am wondering if any one on here has had dealings with them.

    Would like some help with this one, I really need my money back and I do not want them to take any more.

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  2. #2
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    Default Re: Ziinga [problem]

    If it wasnt made absolutely obvious that there was a subscription then I think you are within your rights to insist the bank puts a stop on any further requests for money from this company and also refund what you have paid.

    You should do this in WRITING to your bank.

    I will flag your thread for other input.

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    Default Re: Ziinga [problem]

    if you received no written notification of WHEN
    and HOW MUCH
    they were going take

    then DO A CHARGEBACK

    and dont take NO for an answer!!

    http://whatconsumer.co.uk/visa-debit-chargeback/

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  4. #4
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    Default Re: Ziinga [problem]

    I am going to go to the bank and speak to them personally on Wednesday as soon as they open. If I don't do this them they will take more every month. I will write a letter and hand it to them.
    I was so shocked when I saw the money missing from my account, especially this week when there was only 3 days left to Christmas. I bet who ever owns this site is having a lovely, wealthy Christmas.

    Thank you for flagging this post, I hope it will act as a warning to other people about this Ziinga site.


  5. #5
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    There was NO written communication of any description of when or how much they were going to take.
    I will ask at the bank on Wednesday when they open about doing a charge back, they never suggested that when I spoke to them..


  6. #6
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    Print off that report you were linked to earlier and take that into the bank. It appears that some staff are probably not aware that you can actually do the Charge back. Stand your ground with them And please come back and let us know how you got on.

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    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
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    3: Banking Conduct of Business Regulations - The Hidden Rules
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    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    no phone the number on the back of your card and do a chargeback

    then specifically TELL them NOT to allow any more payments to XXXXX

    if they do, you will sue them.

    very few banks understand chargeback

    keep going up the chain till you get someone to do it.

    they should immediately refund you ALL payments
    THEN do their investigation.

    dx

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  8. #8
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    Default Re: Ziinga [problem]

    I will talk to them about it next week when they re-open but do not hold out much hope. They have already said they can not do a charge back or investigate it as from what they can see I subscribed to a subscription service. Well, That is the banks opinion.

    As much as any thing else i want to warn other people about this Ziinga.com.


  9. #9
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    Yes but it should let you know that this will happen before you sign up to the site. if a certain other site suddenly put this in their terms and conditions and started to take money from you for nothing you would not be very happy.
    Also they should send you a bill or invoice or some thing before they take it to let you know when itc, they don't!! they claim to send them but you never get them and you have no idea when that money will be taken form you.


  10. #10
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    They also send people emails telling them they have won things, eg, free ipod shuffle, then apparently take a lot of money from your bank for p&p. I got one of these emails myself this morning but have ignored it.


  11. #11
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    I have spoken to the bank again today. No joy. They say they can still debit my account every month with 59.99 as they have set up a continuous debit card payment. This I had no idea about. The bank say to wait until the amount shows on my bank statement, then telephone them and they will see what they can do. They said if they cancel the continuous debit card payments before that, then I will definitely loose my 59.99 but if I wait until it shows then ask them to do a charge back and then cancel the payments to them. Then if after 31 days if they take any more payments the bank will have to refund them to me.



    All very complicated.


  12. #12
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    once again you are letting your bank control your money

    who the hell do they think they are

    oh well let it come out.

    plase name and shame them..........

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  13. #13
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    Not sure if I am allowed to name and shame them on here. But they begin with the letter "B". I am sure you can guess who they are.


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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    well how do you think CAGicon works?
    just read a few threads................

    dx
    siteteam

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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    Looks like the easiest way is to close the bank account and open a new one. What a pain.


  16. #16
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    I really understand your anger. The same thing happened to me today ziinga took 59.99 from my account. I was totally unaware of this charge. I only signed up to get the i pod shuffle and was told it was 1 for postage. When i contacted them to get back my money the woman said the terms are clear and i had to pay 28.00 to cancel my account with them. What a rip off i was so mad. They said they would refund the 59.99 but take the 28.00 from it. 28.00 FOR NOTHING as i not even used the site. So i contacted the bank they basicy said we can t do nothing about it only the company can refund you the money. So now i am going to end up with 31.99 which is going to take up to 30 to go back on my account. I am really not happy Ziinga should not be allowed to get away with hidden charges or such outrageous cancellation fees. I want my money back but there is nothing i can done robbed once again by internet [problem]s.


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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companies - it works!
    http://whatconsumer.co.uk/visa-debit-chargeback/
    banks MUST follow written intructions from their customers !
    This fsa guideicon has now been updated:

    http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.PDF

    Here's the text:

    Cancelling a regular
    card payment:

    When you give your credit or debit card
    details to a company and authorise
    them to take regular payments from
    your account, such as for a gymicon
    membership or magazine subscription,
    it is known as a ‘recurring transaction’
    or ‘continuous payment authority’.
    These are often confused with direct
    debits, but do not offer the same
    guarantee if the amount or date of the
    payment changes.
    In most cases, regular payments can
    be cancelled by telling the company
    taking the payments. However, you
    have the right to cancel them directly
    with your bank or card issuer by telling
    it that you have stopped permission for
    the payments. Your bank or card issuer
    must then stop them – it has no right to
    insist that you agree this first with the
    company taking the payments.
    Be aware, though, that you will still be
    responsible for paying any money that
    you owe.

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  18. #18
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    Hi Nakeshia,

    I did contact my bank in December, They put me in touch with their fraud department who are still investigating it.
    The bank put a hold on my payment of 59.99 and the bank returned it to me. yesterday I checked my statement to find that it had gone out of my bank account again causing me to become overdrawn.
    I telephoned the bank and they informed me that they had taken it back as I had forgotten to sign and return one of the forms they sent to me. (this was yet another from from the card services department.) I overlooked it as I had 3 letters containing forms all at once.
    Anyway I yesterday returned the form to the bank and they said I have to wait 10 working days for them to consider returning the 59.99 to me again while they continued with the investigations.
    As the bank wanted evidence I went on the internet and printed off some of the complaints about Ask Zinga.com. which I found on line. I sent them a whole pile of them.
    The bank also at my request have sent a letter of what ever to ask zinga's bankers requesting that they cancel the continuous debit. They have 31 days to comply with this. the bank said if after 31 days they take any more then the bank will become liable and have to pay me back.

    I suggest you contact your bank, tell them that you want to speak to CARD SERVICES and the FRAUD department., I am with Barclays bank.
    Explain that you DID NOT authorise this transaction. and that you were totally unaware that this company were charging your account. Be very institent with them. tell them that this is theft from your account. Tell them you want a cancellation put on this continuouse debit by this company from your account.
    they have to do this.

    I have learnt from other people that canceling this with Zinga and paying a cancelation charge does NOT stop them, many people have said that they still take the money every month. I have reported them to BBC Watchdog and the BBC One Show. P'haps you could do the same as the more of us that do put in a complaint the more likely they are to try to do some thing to stop this.

    Let me know how you get on, we all need to stick together on this, we are not the only ones. I expect their are many more of us out there that have not spoken up yet.


  19. #19
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    If you get any emails from Zinga telling you that you have won i Pod's etc please IGNORE them, delete them. It appears to be another one of their little games. People are claiming that they pay zinga for the supposed ipod and extortionate p&p and then nothing ever turns up.

    I get these emails regular from them now.

    BE WARNED !!!


  20. #20
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    Default Re: Ziinga auction site - hidden monthly subscription - be warned

    Hi thank you for the information.

    I will contact my bank as i am with barclays as well.

    I thought once i had cancelled with Ziinga the payments would stop so thanks for the heads up.

    I have also contacted watch dog cause this is so wrong Ziinga should not be allowed to diddle people like this.

    Like you they took all my money that was for bills was completely gutted and its really stressing me out.

    Even through they are going to refund 31.99 i still have to wait up to 30 days its not right.
    I want all my money back.

    Ziinga needs to be exposed for what the really are spoof artists.

    If you have any further developments please keep me informed i will let you know to and also make people aware of this evil website.



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