Well, I let this First Credit thing go and heard nothing. Guess what though, just received a letter from Connaught Collections saying the usual "we are yet to receice an offer, court proceedings etc etc"! I guess they've got a hold of this off 1st Credit and are pshing. It's now in the shredder!

After a fortnight (not working days), still no reply from Mr Chan or Barclays Branch. Delivering a letter by hand today direct to the branch; which of course, I should have done in the first place!

I've just got myself a co op Basic. No hassle at all.

I think Durham nick is full Honeybee, lol.

Mr Gates, there is plenty naming and shaming by Nexus, and rightly so. A full list goes in the Newcastle Evening Chronicle and a poster is put up in most of the Metro stations.

I'd like to know where smithy is!

I applied 13 days ago for a co - op basic account (I have a current account with Barclays but they're ****) and was accepted 4 days later by 'phone and had my papers a couple of days later. I should add that since taking my Barcs account my credit history has gone downhill severely and I had even expected to be knocked back by the co op.

Haven't had a reply from Mr Chan yet but I've gone through our statement for the past 11 days. All last week, "last nights balance" differed from balance available but no details were shown on the statement. The payday loan peeps had deducted their money. However, I noticed that this money appeared to have been returned, but still no details were shown on the statement. I've printed off the latest statement and gone through it with a fine tooth comb and, details are still not shown, the amount available in our account is correct. It would seem that Barclays did not release the payments and have treated the transactions as though they never existed., In short, they've gave back the amounts that they were going to pay after I had made the request to stop the CAPs. There could be a sting in the tail, who knows. I'll have to wait for a written reply I guess. I will incur charges but I will ask for them back, and compensation because I have been shown in a bad light to two payees!

We never got as far as the full tribunal. Sat in front of a judge as her ex - employers contested that the claim hadn't been made timeously. They had their dates mixed up and letters with dates missing and I was able to tell the judge what should be where. Think he was impressed with me but he took the **** out of the firm I can't mention but haven't bought a biscuit of theirs since Mrs Soap left! Company must have ealised that they were on a hiding to nowt and ACAS rang the following morning with an offer. After a "me and her discussion" she rang back and told ACAS to get them to double the offer which they did; wife accepted. As you say Browncow, it really pays to get things in chronological order and spaced out.

Excellent explanation of the procedure Browncow. I did the wife's and it wasn't as bad as I thought it would be. She won.

It's the right one, I used it last week. It's for credit/debit card transactions. You would have made ypou CPA on your debit card.

[email protected]

Think I read somewhere that Martin Lewis was giving out some duff informatio about the CPA's. In his weekly Email, he's changed his tune insisting that customers can and should be able to cancel.

Managed to get a parachute account with the Co - op. Strange happenings in my Barcs account. When I 'phoned/called into branch last week to stop the CPA's and Barcs had already paid them, they were shown on the banks' screen as authorised but not rreleased, although the funds have been taken from my available balance. I had to speak to them again on Friday but I was told that the particular screen wasn't available so they couldn't tell me who got what. On checking my account today, these payees still do not show up on my account after more than a week but my available balance still differs from the actual balance. Seems a long time for payees to appear. I wonder if Charlie has put a stop on the payments; I won't hold my breath of course.

So, is Barclays playing ball, seems not.

Nowt changes, banks still think they are above the law. I'll have to wait for a reply off Charlie before I can carry on any further.

I know I only sent the Email earlier today but how long should I give him to reply, even if it's just an interim?

Thanks 45002

Thanks muchly. Just waiting for a reply from the Chan person; I won't hold my breath it comes anytime soon.

Email (abridged version) bashed off to Charlie.

I agree, too much banter. Just had another 20 minutes with telephone banking. Still say they can't do it. They say they'd have to write to the merchants and ask them to cancel the authorities but the merchants would just come back with a signed contract. Flogging a dead horse.

This is my first draft, wondering if it's too long and should be straight to the point. Any advice please? Dear Mr Chan It gives me no great pleasure writing this but I have to tell you how disgusted I am with Barclays regarding its stance on Continuing Payment Authority (CPAS) or Continuous Authorised Transactions (CATS) as Barclays prefer to call them. May I draw your attention to the following and then take immediate action regarding our account. Withdrawal of permission of Continuous Payment Authority. Pay day loan firms will say this is not possible, but it is - in accordance with Regulation 55 of The Payment Services Regulations 2009: 55.—(1) A payment transaction is to be regarded as having been authorised by the payer for the purposes of this Part only if the payer has given its consent to— (a) the execution of the payment transaction; or. (B) The execution of a series of payment transactions of which that payment transaction forms part. . (2) Such consent— (a) may be given before or, if agreed between the payer and its payment service provider, after the execution of the payment transaction; and. (b) must be given in the form, and in accordance with the procedure, agreed between the payer and its payment service provider. . (3) The payer may withdraw its consent to a payment transaction at any time before the point at which the payment order can no longer be revoked under regulation 67. (4) Subject to regulation 67(3) to (5), the payer may withdraw its consent to the execution of a series of payment transactions at any time with the effect that any future payment transactions are not regarded as authorised for the purposes of this Part. This means that you can simply ask your bank to refuse the payments; it is also good practice to let the lender know too. http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf http://www.fsa.gov.uk/pubs/consumer_info/know_your_rights_payments.pdf Since 2009, this law has been in place where a customer can request the bank to immediately cease paying CATS by withdrawing his/her permission previously granted. Sadly, Barclays appears to be above the law as it has this week, point blank refused to cease paying these payments out of my wife’s and I joint account. I have received no co – operation at all from anyone at Barclays. Everyone has the same answer, “we can’t do that”. Well, I’m sorry Mr Chan, you can do that. I respectfully request that you contact my Barclays branch and get them to cancel the CAPS/CATS we have against our account. I will hold you personally responsible for all charges I have incurred since requesting cessation of these payments made since Monday night, 30th April 2012 and the return of these payments deducted from my account since requesting the cessation. Because of a change in circumstances, we knew that we would not be able to fulfil our obligations this month to cover our CATS and subsequently withdrew all funds leaving only enough to cover up – coming cheques and direct debits. Although I do not have an overdraft facility (I’ve asked many times but been refused), Barclays allowed me to go into an overdraft after paying out part payments on CATS! When I realised what had happened I used the Telephone Banking Service (TPS) to request cessation of the CATS. I spoke to three different people and each one said they could not stop them. I repeatedly told them that “I withdraw my permission to make any further Continuous Authorised Transactions from our account”. Sadly, this request fell on deaf ears. As you can imagine, I was, and still am, absolutely livid. Because your staff and perhaps even Barclays are ignorant of the law, I am suffering great inconvenience. Because of the insistence that CATS could not be stopped, I even cancelled our Debit cards making any information Merchants held invalid. I was told that this would make no difference. I find that incredible. If I cancel my debit card then put it in an ATM and request cash, it will not be dispensed, what is the difference? As I got nowhere in telephone conversations, I visited my local branch of Barclays on Tuesday, 1st May just on the off chance that it was more up to date with procedure. Again, it was a waste of time. I spoke with the assistant manager who also adamant that she was unable to put a stop to the CATS, even taking the moral stance, “you’ve had the loan, it must be repaid”. This has nothing to do with the situation at all and she was out of order even mentioning it! At my continued insistence, she eventually rang the Disputed Transactions department and once again, yes, you’ve guessed it, I was given the same reply. On Wednesday I re – visited my branch and again spoke with the Assistant Manager and showed her printed proof that the CATS can be stopped by the customer requesting them to be and it is not necessary for the merchant to do so. All I got was a shrug of the shoulders and she again refused to help me. Should it come to court action then I will have no hesitation in naming her on the papers. Now Mr Chan, I have wasted a lot of time this week chasing Barclays around the houses. I am sure that you are more au – fait with the law than the staff of Barclays. I insist that you take immediate action to contact my branch or a central banking section and have them put a stop on all of my CATS and refund all the payments that I have made since first requesting cessation of same and in addition, any charges/prospective charges that I will incur due to unpaid cheques and direct debits. I will also be requesting a compensation payment to cover the cost of all unnecessary telephone calls and for goodwill.

Has anyone written to Barclays/Mr Chan regarding these CAT's? I am in the process of concocting an Email to Chan and need a bit of guidance.

Despite being told that I had withdrawn my permission for the CPA's, the "merchants" have been at my account. I had changed my card details so Barclays are quite prepared to release funds through the account number only. Absolutely disgraceful. I mean, I cancelled my card then put it in the hole in the wall, but they wouldn't let me have any cash; where's the difference?

Sorry to say, but yes. They should be helping customers (sic).