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reading through this.. I for one dont have auto renew billing as i have a better understanding of my bills that way. I requested such because depending on my paypal balance i have a choice on the payment . Surpass does have an active CC number though which they could use in case of me being in default.
some years ago my gf at the time had the bank where her car loan merged with another bank. She kept depositing the money faithfully in the bank account each month and about a year later she realized about $4000 was in that account. She kept depositing for a few months and then she needed some money for something and withdrew it. A few months later.. the bank came calling after an internal audit and wanted their money. As she didnt have it, They came to an agreement to pay without her credit score being affected.
1.She knew she was obligated to pay
2. The bank realized that in part it was their error(they had several loans,mortgages that hadnt been transferred properly)
3. The Bank gave a fair and equitable solution to resolve the matter for both(much of what i have seen Surpass do here)
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