this BT thing reminds me of a little Contract Law.
You cant create a debt for someone by providing them with a good or service they have not requested.
The classic is the advertising invoice scheme, but there are many others, eg oft received freebies in the mail. Even if you dont send them back, you cant be forced to pay.
In any case, a price on a piece of goods is only an "offer to treat", not a binding contract. Imagine you had a sticker on your car that said $5. Would that give someone the right to front up to you, give you $5 and demand you car? No, its only an invitation to enter into a contract.
In this case BT want to create a service and say.. "you have already approved this".
Well no... BT customers are paying them to provide funds management. No contract would stand up that says, well now you have to pay for life insureance, or car insurance or etc etc.. from us.
Its an elegant con that must be premised on an opt in approval including product disclosure.. ie a recognisable contract, not a BT requirement to opt out.
Fill up the return envelope with waste paper and send them some direct mail as a reward, possibly taped to a brick.
