Marc Gander - The Consumer Survival Handbook


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Results 1 to 9 of 9
  1. #1

    Default Card Reissued Not Cancelled

    Hi all.
    Hoping someone can advise me correctly.
    Embarrassing but about six months ago i fell into a bit of a downward spiral and gambled quite a bit so asked Santander to cancel my card so i couldnt gamble online.

    Up until recently i had no issues but last week i logged back in and the merchant in question accepted a payment off my old card which i believed was cancelled.

    I spoke to Santander who said they reissued the card and didnt cancel it and couldnt cancel payments to the online bookmaker either.

    Im not looking for any refunds etc but cannot quite grasp how the merchant can take payments off a card which is now no longer used and has old details, expiry and cvv etc.

    Thanks all


  2. #2

    Default Re: Card Reissued Not Cancelled

    cancelling the card does NOT cancel any continuous payment authorities.

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  3. #3

    Default

    Thanks. I was under the impression that for the merchant to process a payment they would need my new details? How can they process a payment through a card where the cvv and expiry are incorrect

    Also, i told the bank that i didnt want any further payments to this company being made as a cpa. But they are saying its a card payment.....despite the bookmaker holding old details


  4. #4

    Default Re: Card Reissued Not Cancelled

    as I said because its a CPA
    cancelling the card does not remove previous authority already given.

    go get your moneyback if you told them to cancel the CPA's too

    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 DEBIT CARD DOES NOT STOP CPA'S
    .
    This fsa guideicon has now been updated:
    .
    http://www.fsa.gov.uk/static/pubs/co...ghts_guide.PDF
    http://www.fca.org.uk/news/continuou...ight-to-cancel
    https://www.fca.org.uk/consumers/una...yments-account
    .
    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 gymicon 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

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  5. #5

    Default Re: Card Reissued Not Cancelled

    Thanks. I used to work in debt management so i should know bettee. When i went into the branch i asked them to cancel the card and stop any future CPAs to the merchant. As they are a bookmaker however i presumed it was just a normal card payment?
    If its a CPA then yes i cancelles but wont the bank just say its a payment i authorised?


  6. #6

    Default Re: Card Reissued Not Cancelled

    You cant have a reoccurring payment using a debit card..the only way is CPA

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    RIP Martin3030

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  7. #7

    Default

    Yes i understand. The payments were taken via card to an online bookmaker but i had already told the bank to cancel any future payments to them and got a new card so in my opinion they shouldnt have been allowed to take anything.

    I spoke to the exec team at my bank this morn who said they cant stop the payments via card and payments off an old card will still be allowed to go through?

    Its a manual card payment so not a cpa so theyve said i authorised them despite cancelling the cpas and it being a different card


  8. #8

    Default Re: Card Reissued Not Cancelled

    read the blue links in my post.

    you cant authorise a manual payment each time
    no such thing.

    its a CPA

    satans bank are spoofing you.

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    RIP Martin3030

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  9. #9

    Default Re: Card Reissued Not Cancelled

    Certainly seems like it. The woman on the phone said the merchant can take the funds as i authorised it despite it being off an old card that i asked to be cancelled.
    The merchnay DO NOT have my new details at all so i was unaware theyd be allowed to take off the old details.
    Im not worried about monies being returned as its my fault but they seemes to be pulling the wool over my eyes! If i lost my card then im sure they wouldnt have been able to take funds. Would it have been easier to raise a dispute with VISA as its them who shouldnt have let the payment leave.


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