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I have been charged for credit insurance that I never signed up for. The company, GE Capital Cons Cardco, claims that they sent me several mailings telling me that, if I didn't want it, I had to reply in the negative.

It is my understanding that silence is never considered consent and, if it was done through the mail, wouldn't they need to have sent it registered mail?

I have 2 weeks before the last payment is due (before I incur interest charges) and I need some advice!

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Can you provide more details? For starters:

1. Is this for a credit card?

2. What do you mean you have two weeks before the last payment is due? Have you paid any amount toward credit insurance on this account?

3. Have you asked them to cancel? Did they refuse?

4. What state are you in?

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