When an org. acts disreputably then a negative review is warranted.Spotify offer a generous 3month free trial of their premium offering, so I signed up. Not before providing bank details (silly me) after 30 days they started billing claiming I had signed up for a 30day trial. No billing agreement was sent so it was impossible to dispute. I was informed of a “no refund policy” & PayPal couldn’t help. A small amount of $ involved but we must multiply that by however many others have been likewise defrauded. Unlikely that I am the sole victim.