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Way back in October last year I was playing Team Fortress 2 quite a bit. Somehow, even though I don’t actually know my own gamerscore, it seemed to make sense to unlock the achievements on my own gamertag, instead of playing on someone else’s. So… I duly signed up for a monthly-paid Gold Membership and added my Visa debit card details.
One month later, my boyfriend and his flatmate are sick of me sitting on their couch playing TF2 all the time. Also, Mass Effect was released so I got my own Xbox 360 and flew off on the SS Normandy. In the meantime, I had to get a new debit card because the UK banks have moved away from the wish-it-was-two-factor authentication to actual two-factor authentication. I ordered my new debit card and cancelled my Xbox-Live-known card even though it doesn’t technically expire until September 2008.
There isn’t actually an option to move back to Silver membership from Gold in the Xbox 360 interface. I figured that hey, I can’t use the card in shops any more (I actually tried this), so next time Microsoft try to bill me for the Gold Membership, the charge will get rejected and they’ll downgrade me to a Silver. No problem. My home internet connection is too crappy to play TF2 online anyway.
For Christmas, TheFluffyFist kindly gets me a 12 month subscription card to Xbox Live so that when I do resume playing TF2 I don’t have to give them my new card details and be unable to remove the card info later.
In January, I notice in passing that I still appear to have a Gold membership. “Hmm. That’s strange” I say, but since my two-factor authentication device isn’t in the building, I can’t check my accounts. I forget about it.
Fast forward two months to tonight – I finally got around to looking at my bank statements in detail. Right there in the middle of the month:
“Payment to Microsoft Axbox [sic] Luxembourg This transaction was for GBP 4.99 at exch rate 1.000″
Arse.
Question 1:
How the hell can they continue charging me every month, even though this card was cancelled in November? I shall speak to my bank tomorrow.
Question 2
Does this mean I have to go through the obligatory 3-phone-call ritual and then wait for my non-valid card to be blacklisted before I can stop paying Microsoft for a service I don’t even use?
FFS!
Finally, I’ve been reading Microsoft’s Privacy Statement, which contains the following extract:
“Personal information collected on Microsoft sites and services may be stored and processed in the United States or any other country in which Microsoft or its affiliates, subsidiaries or agents maintain facilities, and by using a Microsoft site or service you consent to any such transfer of information outside your country. Microsoft abides by the safe harbour framework as set forth by the US Department of Commerce regarding the collection, use and retention of data from the European Union.”
In other words, data submitted to Microsoft is NOT fully protected by the Data Protection Act (1998). If it were, under the core principle of not keeping information longer than is necessary, you would (probably) have the right to have your credit card details removed from payment methods after going through the multiple phone calls that it takes to persuade Microsoft that you no longer want a Gold membership. (Disclaimer – I am not a lawyer.)
Under the Safe Harbour Agreement there is some mention of having the right to delete information where it is inaccurate in Safe Harbour FAQ 8 – Access but… I don’t know how that is applied. Any ideas?
How annoying! Things like this happen to me quite often. I am interested to know what your bank said. That is so unprofessional. Sorry to hear that.
Given that you are a British citizen you are subject to British law – including the Data Protection Act. This also applies to the US subsidary of Microsoft. I would pursue this with Citizens Advice if I were you…
Actually… I’m not a British citizen. I’m a British resident.
Either way, I believe the issue with the DPA is that companies can do whatever they want with your info as long as they tell you upfront and you consent to it. In this case, transfer it to overseas storage where the rules become a bit hazy.
Ahhhhhhh – you got me there ;)
Still doesn’t seem reasonable to me – I’ll speak to my cuz – he’s a lawyer. I’ll pass on whatever he tells me.
Good plan. Thanks. Might take it up with our local CAB eventually but their opening hours are rubbish :|
Check out ShopShield.net. Next time use a disposable credit card to pay for stuff like that! I actually had to cancel a bank account recently because Napster wouldn’t stop charging me…
Ive been getting charged by Microsoft for the past 2 years. I dont have a Visa card, so my mother very kindly let me “borrow” hers so I could pay for 1 month of Live. 2 years later and its still being charged despite numerous attempts to cancel it. Last year her card expired so I thought that would be the last of it but no, despite her new card having an entirely different number that is now being charged too!
What started as a very kind gesture by my mother has now turned into a rather embarrassing situation where my mother is getting extremely angry unless I get it sorted :(
ouch….i feel sorry for u slinger……..GOOD LUCK!!!!!
sadly i dont have an x-box live but my frend does so ive given them the link to this page :)
gr8 article by the way ;)
I wasn’t aware that this was even an option, I say that because I keep getting email reminders from Microsoft to re-new my Live! membership – I think I need to get back into Xbox 360 gaming before I do that otherwise I’ll probably be wasting my money again!
I just found out about this apparent problem with microsoft. It seems pretty rampant, as far as I’ve seen with the xbox live community. I’m actually in the process of “trying” to delete the CC info in my account as I post this (it’s been 27 minutes so far, bastard must think I’d hang up). “SIGH”, I suppose microsoft likes to take millions of dollars from people who don’t even use their services.
Lol, what I just did was transferred my services to one of those paypal virtual credit card thingies, then cancelled the card from paypal. No more eternally recurring charges you can’t conveniently cancel. :)
MS did this to me. I wanted them to help me with something on my acocunt. Just to test the CC still worked they took R2 (I live in SA – about 12 pence) from my card without my permission and without asking. Subsequently I canceled the card as there had been fraudulant unauthorised transactions from MS.
Now they send me mails everyweek telling me to update my CC details as they cannot charge it. Fook them!
What’s worse is when my account and CC was active MS wouldn’t let me buy points simply because I live in South Africa but they can charge my CC for membership?! Bye bye Microsoft.
working in A.BANK…. its under the visa laws that if a company charges you for a service that gets paid for the card company have to honour it.
Its automatic and recurring subs are a big cause of woe (i work in collections… many people cancel card- pay in full clear balance. Few months later, RAC membership/AA, AOL, Xbox etc sub goes through, adds balance, they dont know, dont pay anything, fall into arrears, charges… etc) AOL are a bugger for it.
In regards to DPA…. i dont know how it stands, AFAIK if miscrosoft operate in the UK they HAVE to abide by DPA. They can pass your details to other countries as long as they are confident that those countries have adequate protection measures in place (so they would happily send your details to the US… or elsewhere in europe… but probably not Zimbabwe)
I have XBL… got my credit card registered but currently a block because I put my initials when signing up for XBL whereas my card has my full name…
get in touch with the ICO… im planning to, I have no issues yet but 30 days to remove my billing info is criminal.
http://www.ico.gov.uk/