How my $50 subscription to SEOBook cost me $167.63

• Chris Guthrie
• Blogging, Personal
• May 5, 2008
• 6 comments!

I wrote about the SEOBook Training program a few months ago and have been a member for 3 months now. The training program usually costs me $50 a month (it is now up to $100 a month) and I think it's worth this price however, I don't think it's worth $167.63 a month. Let me explain:

The subscription to the training program automatically deducts $50 a month from my Paypal account every month on the same day. So when I did a withdrawl from my Paypal account for most of my balance I made a mistake and only left about $10 in the account. I thought the $50 had already been removed for the month, but unfortunately it wasn't. I received an insufficient funds message from Paypal when they tried to remove the funds from my backup bank account.

The next day after I received that insufficient funds message from Paypal I received $50 from some Halo 3 Lessons I sold (I'll save that for another post). So I assumed that because more money was put into my Paypal account they would just pull the funds from my Paypal balance and not my bank account. I even sent in a ticket requesting that they do that. So time went on and I thought nothing of it.

A few weeks passed by and my stack of mail continued to grow. I've never been a fan of receiving mail unless it is in electronic form. I understand that some things need to be physically mailed but why so much? Not only is it a waste of paper, but it's so annoying to open envelopes when if it was an email you could simply delete it or better yet not even open it. In any case, last weekend I decided that it was time to pull out the paper shredder and go through my stack of mail. One of the first items I came upon what I thought to be my typical pointless Timberland Bank account statements that have shown the same balance for the past three years; however, I soon discovered these letters were much different. Instead, the first letter I opened was an overdraft statement and apparently the bank's third attempt and getting me to deposit funds into my overdrawn bank account. After I finished going through my mail I counted a total of seven requests to put money into my bank account that dated back to early April. Each request was the same and mentioned that I was being charged $5 a day every day my account was overdrawn.

Now before you respond with, "You're an idiot why didn't you open your mail?" Well because of my distaste for opening mail and love for lazyness, I have set up every single bill, credit card, car payment and anything else you can think of to be done electronically except my Timberland Bank account statements. I previously made several requests to this bank to receive electronic bank statements instead of paper statements but they never bothered to do it for me. So when I take the time to go through my mail I know that everything is just pointless junk mail accompanied by several pointless Timberland Bank account statements.

So I called the bank on Monday morning and tried to explain the situation. I even told them, that if my bank account was overdrawn why didn't you try an alternative form of communication? We're not living in the Middle Ages so why didn't you call me or send me an email? lol, I said if you mailed 7 letters and I did nothing in response to them than why not try and get in touch with me another way? First the employee said they do make one phone call (which I knew to be a lie unless they didn't leave a message.) Then the employee let me know that it's actually against the law to email someone that their account is overdrawn! I thought this was ridiculous. It seems like a pointless antiquated law that if I had the time I'd try to contact my legislators about the process of actually changing it lol. Anyway, after talking with the employee some more she told me that unfortunately earlier that morning my account was already put into collections and there was nothing that I could do except pay the collections agency $167.63. Now fortunately I paid off the bill before it affected my credit rating but needless to say overall it was a funny yet costly situation.

Now I do still recommend that you sign up for the SEOBook training program but I don't recommend having a small balance in your paypal account when your backup funding source is a bank account created for you when you were five that you don't use anymore lol.

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