Migster
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Everything posted by Migster
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T Mobile double charged me and claim I havent paid
Migster replied to bigkennjy56's topic in Telecoms - mobile or fixed
If you're still having no luck with T Mobile, you should speak to your bank again. Now both payments have actually debited your account (as opposed to just being pending), your bank can process a chargeback to recover the value of the erroneous second payment. -
I've used them with no problems in the past. As the poster above says, there is a tick box at the end of the quote pages to opt out of any phone contact.
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Legalcare.co.uk Court Claim - **Settled at Mediation**
Migster replied to Danie1le's topic in Financial Legal Issues
There's a cahced version of their 'LegalCare Service' page here, dating to14th October 2012. If you scroll to the bottom you'll see that the additional text relating to the 14 day trial and 12 month subscription is not there. http://web.archive.org/web/20121014082429/http://www.legalcare.co.uk/legalcare-service Here's the 'How It Works' page from 22nd October. No mention of teh £19 per month fee that now features on the current version of teh website. http://web.archive.org/web/20121022051831/http://www.legalcare.co.uk/how-it-works -
Buyers and Sellers Form - Failing to Declare?
Migster replied to Lucky7even's topic in General Consumer Issues
Perhaps the vendor didn't have a problem with this neighbour so had no reason to mention it. What about the other neighbours? Have they all complained to the council also? If it's just you, then it might be hard to argue in court that this is something that should reasonably have been divulged. -
Maybe I have the wrong end of the stick, but isn't the issue here the finance agreement rather than the insurance policy? The insurance was presumably paid for with a loan from Creation, so the policy is still in force, but the loan is now due in full as the monthly payments have not been made. Anyone else agree with that interpretation?
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It's not just a case of having a sticker in your window, you need to be licensed by TFL and the process includes an enhanced CRB check. http://www.tfl.gov.uk/businessandpartners/taxisandprivatehire/26862.aspx
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Go Compare anger
Migster replied to postggj's topic in Insurance/Assurance Companies (Not Car Insurance)
I used Go Compare recently and didn't receive any phone calls. On the last page of their online journey it has the following: "As part of our commitment to helping you find the right insurance at the right price, we have authorised our partners with the two best premiums to contact you by phone, SMS or email to help you with your purchase. They may also highlight any special offers that they have to help further reduce the cost of your insurance. Please tick the box if you do not wish to be contacted about your two best premiums" -
I'm not at all familiar with Penzance station, but this aerial view seems to indicate that you could have accessed the main covered part of the station (which is presumably where the ticket office is) by walking back along the platform a little. If that's the case, it may be difficult for you to argue that it wasn't possible for you to buy a ticket, without first leaving the station. https://maps.google.co.uk/maps?q=penzance+station&hl=en&ll=50.122116,-5.531836&spn=0.001355,0.003484&sll=50.121742,-5.532107&sspn=0.001355,0.004506&t=h&gl=uk&hnear=Penzance&z=19
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Can a hotel charge a stopped debit card?
Migster replied to charles1975's topic in General Consumer Issues
Personally, I would do neither. They may never put through a bogus charge to your card in the first place, and if they do you can simply go down the chargeback route. -
Can a hotel charge a stopped debit card?
Migster replied to charles1975's topic in General Consumer Issues
I give up. -
Can a hotel charge a stopped debit card?
Migster replied to charles1975's topic in General Consumer Issues
The business types you mention though all have a need to take regular payments and therefore would have their merchant accounts set up to do so. As I said previously, I don't think this would be the default for all merchant accounts e.g. Continuous Authority Also called Periodic billing / Recurring Payments. Continuous Authority applies to you if you process regular, recurring or subscription payments (only available with Visa, Visa Debit and MasterCard). In order to process these kinds of payments a Continuous Authority merchant account is required from your Merchant Bank. http://www.sagepay.com/glossary/13/letterc -
Can a hotel charge a stopped debit card?
Migster replied to charles1975's topic in General Consumer Issues
Well in theory yes, but I believe that it would need to be specifically set up with their acquirer, as opposed to being a default transaction available to all merchants. -
Credit Card payment - surcharge query
Migster replied to DuffNCustard's topic in General Consumer Issues
Our card fees at work (that we are charged by our acquirer) are c. 1.5% for credit cards, so £90 for £6.5k sounds about right. -
Can a hotel charge a stopped debit card?
Migster replied to charles1975's topic in General Consumer Issues
Would a B&B even know what a CPA is? They probably just have the card details stored on their system, so can put through a transactions should they need to do so (which could then be disputed via a chargeback). -
efax wont cancel account - over £18 + £35 in bank charges now
Migster replied to John D's topic in General Consumer Issues
I think you'll find it was a card payment. -
efax wont cancel account - over £18 + £35 in bank charges now
Migster replied to John D's topic in General Consumer Issues
Their website has a separate number for the Republic - just select it from the drop down list. http://www.efax.co.uk/eFax_contact -
You may be able to go down the chargeback route. http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback/#link-4
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Insurance co. saI am at fault. I don't think I am!
Migster replied to tcrawle's topic in General Motoring Issues
I'm sure it will be useful if you give the location so people can have a look at the junction on Google Street view. -
Don't know if it makes a difference to your decision, but that address appears to be a residential flat rather than a business. See 2nd entry here http://www.rightmove.co.uk/house-prices/detail.html?country=england&locationIdentifier=OUTCODE^187&searchLocation=BH14&outcode=BH14&year=20&locality=Poole&streetName=Wessex+Road
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Is a hidden charge for debit card petrol payment legal
Migster replied to Surfer01's topic in General Motoring Issues
Ah, maybe we're talking at cross-purposes. The fees exist and are charged to the merchant by their acquirer, but the merchant clearly has a choice of whether or not they then charge their customer a separate fee to recover the cost. So going back to the original petrol station example, the garage would most likely have to pay a fee themselves of 30p - 40p, so for low value transactions (i.e. sub £10) they levy a 50p charge to cover this cost. Presumably for larger amounts there is enough gross profit generated that the 30p - 40p fee is not really an issue. -
Is a hidden charge for debit card petrol payment legal
Migster replied to Surfer01's topic in General Motoring Issues
Both card types do attract a processing fee, though ultimately the fee level is dependent on the individual pricing tariff agreed between the merchant and it's acquirer. As such it is possible to have an arrangement whereby you pay higher than normal fees on credit cards and get your debit card transactions for free (or vice versa), though I would say that is far from the norm. The key difference between the debit and credit card fees that the merchant is charged is that debit fees are a fixed amount, whereas credit fees are based on a percentage of the transaction value. For example our fees at work are c. 30p for a debit card and 1.5% - 2.0% for credit card (depending on the type). -
They are allowed to store some of the card information, though the PAN (16 digit number on the front) should be encrypted. Under no circumstance should they store the CVV (3 digit number) off the back of the card though. This is as per PCI DSS regs.
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This is from the V12 website and seems to contradict the advice received on the phone call: How can I make a payment to my account? Payment to your account can be made by Direct Debit instruction to your bank alternatively, payment can be made by telephoning our customer services team on 02920 468900 using a debit card, or sending a cheque/postal order made payable to V12 Personal Finance Limited, 20 Neptune Court, Vanguard Way, Cardiff CF24 5PJ. They do however appear to impose a charge if you don’t pay by DD, but I presume this is not the £30 fee in question: Why do I have to pay a payment processing charge and can I avoid it? The Payment Processing Charge (PPC) is to reflect an increase in the costs of processing both debit card and cheque payments that we incur as a business within the banking system. There is no charge for the collection of monthly direct debit installments.
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