Originally Posted by Sentinel

I don't know your particular situation other than what I read here but I would say that I agree with all your numbers above in general except for 2 things.

I really agree with #6 above. I wish that Surpass had an option to pay your bills on your own with no auto renew. I hate auto renew. I am one of those rare dieing bread of people that is actually capable of paying my bills on time on my own and I wish that I had the option of being able to do that. I think auto renew or auto debit can create more headaches then it appears to fix.

I would add to your numbers above:
#7 - People should check their own bills every month (especially if you have any auto debit/renew accounts any where!) to make sure that things that you are being billed for are correct and to make sure that you are being billed for something that you should be billed for.

Had you kept track of your own finances you would have seen that Surpass was not charging you for a service that you were still getting. That should have been a red flag to you when you should have seen a charge from Surpass and it was not there yet your website was still up.

If you had a car payment auto deducted from your account and all of a sudden you noticed you had a couple of extra hundred dollars every month and the car company was not deducting your payment, would you think they just decided to let you have the car for free? Do you think that a court would say that "I had no idea what was going on with my account" was a justifiable defense?