I finally got refunded from BB loans,

however once I got My refund,

another company has started taking money from Me now.

It's coming up as OPORTAL and PPORTAL.

Has anyone got any idea who this company is

and if so do you have a contact number please?

I can't find any info in them and need to deal with them

I also managed to get my money back from Them after contacting financial ombudsman,

however I am now having payments taken that are coming up as PPORTAL and OPORTAL.

Does anyone have any information who they are or have a contact number please?

Would really appreciate the help!

Just as I thought it was over,

it starts again!

I'm so upset

Hi ChloeLB,

I have started a new thread for you.

Hi

I would contact your bank and inform them that this money is being taken without your knowledge or consent and for them to refund it to your account ASAP

Then tell them not to pay again.

PPortal and Oportal are likely to be a company hiding behind this name. The techies may know more on that.

They have to refund it immediately. They cannot say you have to wait unless they can prove you authorised it. They can refund/chargeback and investigate afterwards.

Those names are likely to be ficticious payment merchants that the companies use to hide behind.

I finally got refunded from BB loans, however once I got

My refund, another company has started taking money from

Me now. It's coming up as OPORTAL and PPORTAL. Has anyone got any idea who this company is and if so do you have a contact number please? I can't find any info in them and need to deal with them

also

http://www.consumeractiongroup.co.uk/forum/showthread.php?442392-Who-are-PPORTAL-and-OPORTAL

have you taken anything out/ bought anything recently. or been online re credit applications?

I also managed to get my money back from

Them after contacting financial ombudsman, however I am now having payments taken that are coming up as PPORTAL and OPORTAL. Does anyone have any information who they are or have a contact number please? Would really appreciate the help! Just as I thought it was over, it starts again! I'm so upset

Hi Chloe,

I just checked my online banking with Halifax and I have had £59.85 taken from my account by PPORTAL

and also a pending transaction also for £59.85 for MPORTAL.

I have no idea who these are either

I`m afraid but I will try and contact them on Monday morning as there is a phone number next to the pending transaction for MPORTAL.

Last September/October I went online searching for a quick loan to buy some bits to get my car back on the road

and I inadvertently entered my bank details but didn`t expect brokerage fees (I didn`t even take any loans out)

and MLOANS, ORLOANS, LOANSDIRECT and another one I can`t remember all took various amounts out until December.

When I thought it had finally stopped now 3 months later it has started again.

I did manage to get refunds from them so I`m hoping the same this time also.

I even contacted Halifax but they weren`t interested even when I started quoting FCA information etc.

If I have no joy this time I believe the only way to stop this happening again in the future is to close your bank account

and open another one elsewhere I`m afraid which is what I am going to do because Halifax customer services just don`t have a clue.

I apologise if this has been a bit long winded lol.

Kristlee.

best idea is contact your card issuer and cancel ALL CPA's

GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS

.....

We have been telling people to put a letter into their bank instructing them

not to make any payments under any circumstances to these companies

.

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

usually this should be done using the number on your debit card

.

banks MUST follow written intructions from their customers !

.

CANCELLING YOUR EBIT CARD DOES NOT STOP CPA'S

.

This fsa guide has now been updated:

.

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf

http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel

.

Here's the text:

.

Cancelling a regular

card payment:

.

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

.

Be aware, though, that you will still be responsible for paying any money that you owe.

and that CANELLING YOUR CARD WILL NOT STOP THE CPA

.

..

.

New june 2013

.

Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.

.

Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement

by contacting their card provider, the Financial Conduct Authority said.

.

The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)

due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.

.

CPAs, which are also commonly called recurring transactions or recurring payments,

are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.

.

Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when

a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by

mistake following cancellation by a customer the customer will be refunded immediately.

.

In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-

cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints

since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.

.

Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today

customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.

.

“We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue.

From now on we expect them to be getting this right. In addition, they have committed to review past complaints.”

.

.

Also mentioned your displeasure that as whomever took your money had obviously attempted this many times

probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.?

.

.In the FSA's own words:

.

..

What should I do about a payment from my account that I didn’t authorise?

.

Your bank must refund an unauthorised transaction.

Money can only be taken from your account if you have authorised the transaction

or if your bank can prove you were at fault –

.

see below.

Contact your bank immediately if you notice an unauthorised payment from your account.

.

If you are sure you did not authorise the payment, you can claim a refund.

.

However, your bank does not have to refund you if you do not tell it about the payment until 13 months

or more after the date it left your account.

.

Your bank must refund an unauthorised transaction

.

------------------

.

Your bank may only refuse a refund for an unauthorised transaction if:

.

? it can prove you authorised the transaction

– though your bank cannot simply say that use of your password,

card and PIN proves you authorised a payment; or

.

? it can prove you are at fault because you acted fraudulently,

or because you deliberately,

or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction

.

-----------------------

.

How quickly must my bank refund me for an unauthorised transaction?

.

The bank must make the refund immediately unless it has evidence that one of the above reasons applies.

Your bank may ask you to answer some questions and fill out a form confirming what has happened,

but it cannot delay your refund while it waits for you to return the form.

If the bank has evidence that one of the above reasons for refusing a refund applies,

it may investigate before making a refund

but must look into it as quickly as possible.

If your bank rejects your claim for a refund it should explain why.

If the transaction was on a credit card, the refund may not happen immediately.

But the card issuer cannot charge interest or ask for repayment of the amount unless it can prove you are liable to pay

Hi Chloe,

They did the same to me.

The company name is credit portal ltd. you can reach them on these numbers -

Mportal 02035985860

Pportal 02035985863

Be sure to reference the consumer credit act that enables you to a refund, less £5 fee.

Good luck.

So theyre the same company. but have different ( but obvious) payment merchants they are using to get around CPA's and consumer regs. Also, you dont have to pay any fee for an unauthorised transaction. very strange advice from a brand new poster.

So theyre the same company. but have different ( but obvious) payment merchants they are using to get around CPA's and consumer regs. Also, you dont have to pay any fee for an unauthorised transaction. very strange advice from a brand new poster.

My bank confirmed that mPortal and Pportal are the same company, yes. Trading Standards told me I would be refunded the full amount £49.85 less £5. Just passing on their information.

Not sure what your inferring about "strange advice". I'm just someone who has recently gone through the same thing and wanted to help.

TS are wrong. if it was completely unauthorised, then you are allowed a FULL refund.

I would also register this with ActionFraud as well as there doesn't seem to be an FCA registered number for them. I checked both name and postcode but nothing came up so I would also file this issue with the FCA.

Credit Portal have only been around for the last 4 months and they are registered with Companies House.

Looks like they are trading unlawfully