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    #1

    past perfect and present perfect ?

    I read this sentence in an article. If I say "have opted to go"..I thought when one uses 'in the past' one uses present perfect? Is the sentence below correct?

    We have started sending you paper statements even if you had opted to go 'paperless' in the past.

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    #2

    Re: past perfect and present perfect ?

    Quote Originally Posted by thomas615 View Post
    I read this sentence in an article. If I say "have opted to go", I thought when one uses 'in the past' one uses present perfect? Is the sentence below correct?

    We have started sending you paper statements even if you had opted to go 'paperless' in the past.
    I would have used 'have' here. They probably use 'had' because it's possible that a person has put in several requests, and they want to make sure that any request in the past will be ignored. But there's no need for the past perfect.
    No, "in the past" by itself doesn't determine whether the past or present perfect is used.

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