Hi everyone,

Got my myself into some mess with payday lenders, called RBS a month or 2 back to ask them to stop authorizing these payments as i am disputing the loans with the lenders, but they've still carried on, even though i don't have an overdraft i'm now -£46, which isn't loads but as i'm now claiming job seekers allowance this will barely cover that.

RBS allowed 3 payments to be taken from my account on Friday 30th November totalling £135 (£60, £37.90, £37.90), so now i have no money i've got to find a way to live without food for the next 2 weeks.

These banks and loans sharks shoot themselves in the foot, if i've got money to pay them what i owe i will but when i have to borrow money elsewhere to survive these lot are the last of my worries.

Any help please, i've got a visa debit card and was told i can charge back the money is it possible?

Thanks

First and foremost you need to get yourself down the bank and tell them you want to cancel the Continuous Payment Authority. Regardless what the bank says they should do this. Then you want to tell them that these payments are in dispute and you want them reversed as well as any charges they may levy for you going into a unauthorised overdraft limit.

Also remember the bank cannot take your JSA to pay for any bank charges you may incur

Also might be wise to setup a parachute account in the interim and get any benefit paid into that until such time you get this sorted

Thanks, unfortunately my nearest RBS is 13 miles away and i can't get there so my only option is to call them or send them letters.

Checked my bank this morning to see two more payments have come out which puts my down to -£104. Called the chargeback team they said they will do nothing, they can't cancel the recurring payments as they are debit card transactions, even though two weeks before i wanted to cancel my card and they said there is no point as the card has a guarantee that they can take payments.

What i'm trying to get my head around is the fact they declined some of the debit card attempts but allowed the rest.

Seriously the worst bank on the market, they're thieves that are some how still allowed to do this sort of thing to anyone they please.

Called them again today, now -£104, and i said so you're not going to do anything to help me and they basically said no because "they can't do anything". I'm not going to report them to the oft or the fos as they don't do diddly squat, i need my money now not in 6 months time, maybe none of us should report them or make complaints because it hasn't made any difference?

That is all total bull****, they can cancel the continuous payment authority, you need to request that they do exactly that.

Ring up, make sure you take the persons name first.....

CANCEL THE CONTINUOUS PAYMENT AUTHORITY.

If not tell them you will take them to the FSA after you have made a complaint via the banks greivance procedure first

http://www.bbc.co.uk/news/business-17870704

http://www.bbc.co.uk/news/uk-19598492

http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority

I would look at telling them they have broken the 2009 Payment Services Directive and you would like this money back as it should have not gone out when you had already directed them not to take it.

Also mention the fact you are on JSA and have nothing now for a couple of weeks.

RBS are one of the worse - you do need to be firm with them. They MUST cancel the payment on your instructions.

Have you written to them ? transient has already alerted site team for you.. but I will mark it urgent

Also might be wise to setup a parachute account in the interim and get any benefit paid into that until such time you get this sorted

Yes, you must set up a parachute account with either the Co-op or the Post office, whilst this gets sorted - otherwise they will simply continue to drain your account.

You need to open a parachute a/c with the Cooperative bank or Post Office whilst this gets sorted otherwise they'll just keep getting money taken as soon as any comes into the a/c.

You can open a COOP a/c http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts by 'phoning 0845 602 7057. It's better to 'phone rather than going into a branch because a lot of the front of house staff are unaware of cashminder a/cs + you don't have to make a deposit to open it.

It doesn't matter if you don't have a branch near you either as you can use any post office.

Appreciate that guys

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

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

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

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.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

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