Hi All,

From the users viewpoint the “credits” system is fundamentally flawed and set so that Incomedia is always in a win and win again situation.

The reasons that I believe the “credits” system is flawed are:

You can only purchase credits of 85, 55 or 25, if you only immediately use say 16 credits, then the remaining value (cost) of the credits is in Incomedia’s bank account (not yours) and thereby earning them interest. If by the time, the year’s expiry date is reached and you have sufficient credits left you end up buying something that you did not particularly want or you end up losing the credits. Or if you have a small amount of credits left, you end up having to make the choice of buying more credits and starting on the locked in credits treadmill again or opt to let them expire, either way Incomedia wins.

Perhaps if Elisa. B, (who I think does a fantastic job, albeit having to follow the Incomedia party line) is reading this post; she could let us know just how many “credits” on average expire each year?

I believe that having an expiry date for credits is basically theft, however if there is a sound reason other than to make Incomedia more money for having credits expire, why don’t Incomedia donate the value of expired credits each year to a well-known and recognised charity. They could even allow the users to choose the charity from a selected list.   

By only being able to buy credits in quantities of 85, 55 or 25 rather than the amount of credits actually required to buy the object that you require results in Incomedia sitting on unused credits every month in their accounts. Perhaps Elisa. B could tell us the average amount of outstanding credits that remain unused each month and the approximate financial value? 

 I hope that Incomedia will take on board the user’s frustration and anger at a payment system that “rips” them off and come up with a more acceptable method of buying additional extras.

 On a more positive note, I would like to thank the forum users and in particular, the moderators who give up vast amounts of their time and provide invaluable help and advice free of charge. In addition, a big thank you to Elisa.B and the rest of the Incomedia team for their help throughout the year.

Merry Christmas to everyone.

 Jim