Not Monzo-related but I appear to be a really uninformed chap on this topic.
So I was browsing the internet on my phone (nothing pornographic, as my colleagues are now joking about) and a new tab opened randomly as a popup and then closed and then I got a text message thanking me for signing up to a learning languages service for £4.50 per week.
I literally entered no details in any website at all. I immediately texted STOP to stop the service, but it is showing on my phone bill now. Only the one charge but still.
Firstly - how could this actually happen? It seems really bad that I can be signed up for a service when I didn’t give my number out or authorise anything.
This will be the charge. A popup can’t gain access to your phone number, no web browsing could accomplish that. By sending a text to some random number you’ve opened yourself up to a charge (yes, you can get charged for sending a text to a number) and also confirmed your phone number.
I had this happen once I was unable to get a refund from Three for this unauthorised charge!
I was on a site and got auto-redirected by an ad or had a large popup (I don’t recall) so I clicked the ‘X’ to dismiss the add and instantly received a text informing me of a £5 charge I didn’t believe it at first but I went to the Three app and the charge had already appeared on my bill
The next few days were spent calling Three with zero success. I even had a 3 way call with Three & the company charging me, which was also useless
In the end I had to pay the £5 and the 25p “STOP” text as it was a recurring payment
I think there is a program called Charge to Mobile, in which mobile operators will send an HTTP header with (essentially) your mobile phone number when you visit the websites of participating companies.
I believe that the Phone-paid Services Authority are the regulatory body to complain to if you wish, who are over at: https://psauthority.org.uk/
One of the first things I did when I signed up for a phone contract was to cap my charges at £5 more than I pay for the contract per month and select that premium calls and texts are unable to be sent or charged.
Firstly I don’t think it should be that easy to sign up to something!
Secondly I only clicked on the link direct from Google - no advert was clicked. Anyway I’m sure it was that click that did it but I still think it’s insane that can sign me up for something - is that even vaguely GDPR compliant?