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  1. Citibank does not have a large presence in the UK, but it is my bank, and I have had a problem with them refusing to cancel a continuous payment authority. I decided I didn't want to carry on paying £20 a month to an organisation, but they refused to cancel it, saying it was technically impossible. I lost £20 because of that, and to stop it happening again I cancelled my card. I've complained to the FOS who have now got to the stage of forwarding my complaint to Citibank. I'm claiming £21 including postage fees. Just £21. I just don't understand this. Banks have to pay the FO
  2. My son (age 19) is detained under S3 of the Mental Health Act in a hospital in Nottingham. He has been there since November 2015; visiting is a nightmare, as it is a good 200miles there and 200 miles back - taking me anything from 3 and a half to five hours, each way. It seems no sooner I arrive to see my son, it's time to start the journey home again - having only about 45 mins to an hour for visiting. Anyway, my son has his COA meeting on 12 October and I believe that his Consultant Psychiatrist, will be recommending my son be transferred to 'locked rehab' facilities, closer to
  3. Hi all, decided to take control of finances and stop robbing Peter to pay Paul. called my bank to cancel a specific CPA and guess what - CPA not cancelled. Had a plethora of promises - money will be recalled - won't happen again blah blah blah. My confidence in them has plummetted. I have made a complaint to the bank - looking for some advice if there are 'alternative' groups/CEO's etc that should be receiving a to-the-point email. GavieBaby
  4. Hi All I am aware there are discussions re Continuous Payment Authority but what are the rules/definition. I cancelled a gym membership and the bank has paid it, they say its a CPA, I need to tell them why they must cancel, but what do I say, ? Mr
  5. Hi, Please can someone help I'm worried that my bank account will go way overdrawn tomorrow and leave me in an even worse mess than I already am. I am setting up a debt management plan at the moment and as everyone knows, it takes a bit of time. Before going into this, I emailed all my creditors and cancelled the CPA that was set up and I also wrote to my bank to cancel. Nobody has taken any money since and so I am guessing this was actioned properly. Myjar, emailed me on that day to confirm the CPA had been cancelled and when I log into my Myjar account, it says card det
  6. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefo
  7. I currently have a Wonga loan that I am having financial difficulties in paying back. So I contacted Halifax and Santander to inform them to cancel the CPA that was attached to my accounts. Halifax haven't got back to me yet, but Santander have. Here is the relevant text as below: I note from your letter dated 29 October 2013 that you have instructed Santander to stop any payments to Wonga from leaving your account. I would like to explain that in order for Santander to place a stop of a debit card payment we require a minimum of 24 hours notice, the exact amount of the payment, the
  8. I cancelled the CPA that Payday Express had with me, as I'm entering into negotiations regarding repaying my debts on my terms. This was done in the Chester branch of Lloyds Bank over the phone on the 9th November, the payment was due on the 28th - I also notified PDX to advise of this. Roll on this morning, where we had some benefits paid in, but almost immediately, £102.01 was taken by them!! I got on the phone to Lloyds Debit Card Disputes, who, while acknowledging that I had cancelled the CPA in due time, they wouldn't be able to refund the money immediately as they have to wait for i
  9. Hi, I have just called HSBC asking for advice on removing a CPA from a payday lender. They informed me to contact the cheque centre first and inform them I wish to cancel the CPA with them and then to call them back when the Visa dispute department is open?I do not want to get in touch with the cheque centre until the loan has defaulted as I fully expect it will make it a lot more difficult. Can anyone advise on how to cancel a CPA with a payday lender with HSBC?Once it is cancelled I hope to come to a repayment agreement with the Cheque Centre then. Thanks
  10. Hi all, I cancelled a cpa i had with minicredit with my bank but today they rinsed my account. I phoned my bank and asked for a charge back they refused saying it was not a cpa payment it was a one off payment taken 3 times and because they changed the amount and the date when they took it , it could not be stopped. Ive put a visa dispute in and a complaint is there anything else i can do at this time. thanks mame.
  11. I have just rang the bank to cancel 3 CPAs. The lady on the phone took the details but kept jumping between 2 phrases. Firstly she said that if they did take the money then i would be refunded, and then she said all we can do is monitor the situation, then back to the 1st statement and so on. I have come away from the phonecall slightly confused. Are the CPAs cancelled or is the bank just monitoring them. Not quite sure how it works. Any advice would be appreciated
  12. A friend has got into problems with Toothfairy Finance. They are unable to meet their repayment in a few days time. I sent an email to Toothfairy via their contact form on their website on my friends behalf. The email was to request a suitable repayment plan and to inform them that my friend was revoking any right previously given to use a CPA on their debit card. My friend has also cancelled this CPA with her bank this morning. However, my friend has just received an email from Toothfairy asking for evidence of her income such as a pay slip. They also ackn
  13. I wanted to know whether when you use the swicth facility this new thing for switching accounts, it says it transfers over all your direct debits etc and lets debtors know you are switching. I was wondering if this still counts for CPA? essentially what I want to know is if I use the switch facility will PDL companies be able to have access to that account somehow and get my funds? secondly, I am negotiating some payment plans. From experience of people who have entered plans with these types of companies, what mnethod of payment do you use? I don't have a credit card and I'm
  14. This is the first time I've come across this. I cancelled/withdrawn authorisation for CPA with peachy (I also informed bank so I think I'm safe) and I thought it was sorted. About a month later I got an email saying they had failed to collect the payment from my card and they would keep trying. I sent them a reply back stating that I had withdrawn authorisation for CPA and any payments would be returned by my bank etc. They then sent me this in the reply: Please note that a continuous-payment authority is not covered by any bank guarantee and can only be cancelled by the business that
  15. Hi all, In August 2011 I cancelled a CPA from a payday lender. I did this in writing to Lloyds (I still have a copy of the letter). No payment was taken in August 11, but in Sept 11 Lloyds let the company take £1140 from my account in 7 transactions. I made a complaint over the phone at the end of Sept 11. They refused to so a chargeback or solve the problem at all. Instead they demanded proof I had paid the payday lender in full. I didnt have this at the time and didnt no what to do. So I did nothing. Recently I submitted a claim for this money under the fact they had fai
  16. Hi , went in my branch today to cancel 4 continued payment authorities. They said i could not do it in branch , but i asked them to phone their head office, then i spoke to to a gent on the phone who said they can only request to stop one which was pduk as that was the only cpa on my account although wonga , cash.co.uk and mr lender are listed on my statements. what are my options to stop them taking money from my account i have 7 days.
  17. Ok, this is a long one, so bear with me, but any advice would be much appreciated. I called Nationwide 3 weeks ago to cancel the Continuous Payment Authority (CPA) on my debit card to which they declined, which as far as I'm aware is against the law? I unfortunately have had to start signing on again, this money goes in on a Monday. Last Wednesday (29/05) I emailed CFO Lending, informing them that I removed the CPA with them. I awoke Monday morning, to find that they had taken £160, and taken me over my overdraft limit. I am now in the process of claiming the money back,and alr
  18. Hi I'm in the process of entering into an IVA (proposals in post to creditors) so I have stopped paying my creditors including a few payday loan companies that I have. I wrote to my bank last week and told them to cancel all continuous payment authorities to these companies and cancelled my debit card. Yesterday MonkeyDosh took 187.50 out my account on my old cancelled card. I rang the bank and informed them that I had cancelled the CPA and blocked my card yet they still took the money, so Barclays cancelled the card payment and credited it back to my account and informed me to
  19. Hello everyone, first I feel I should thank you all for the heaps of helpful information across this board however I've had some difficulty understanding everything I should do and in what order. As such I've made this thread asking for a bit more help just so I can make sure I get things right and don't screw it all up. I will start with the story so far. After loosing my job and due to having no money until my benefits kicked in I took out a loan of £230 from Wonga on 2nd of November, it was due on the 21st of December, I was on JSA for about a month then lost it due to a stupid fault
  20. My understanding is when I close an account it is closed e.g. no funds available and no liability; not according to Natwest following closure of my credit card account. I have told them I consider all CPA's that may have existed to be cancelled but they have responded "although the account is now closed, we may still be required to honour a transaction on your behalf". WTF! Surely this is counter to FSA guidance and common sense. Effectively there is an open ended liability. How should I respond, I have already quoted FSA regulations at them?
  21. Hi, I've just had a phone call from Barclays at work, regarding my cash account with them, as it is apparently £67.92 overdrawn. All the direct debits against this account have been cancelled and the account hasn't been used for months, in fact I was thinking about closing it. I asked what had taken it overdrawn, and after a lot of faffing about the guy on the phone said it was a card payment for £68 for the AA taken on the 19th of December. I had £0.08 in the account, and they have authorised a CARD payment for £68 - can they actually do this?? I know they're o
  22. Hello all, I am getting closer, I think, to being in a position to get control of my finances. I have set up a parachute account for my wages, cancelled my card (lost/fraud) sent letters to all of the lenders asking for a repayment schedule and withdrawing the authority for the CPA. I walked a letter into my local Santander to try and get them to stop the CPA their side and it's taken them three days to get back to me, but they have managed to register a dispute against each of the lenders. They have just said to me that regardless of this is the PDL go to VISA they can still get the
  23. Right guys, I am so appreciative of all your help on my many recent threads regarding my debt, especially the 2 PDLs we have, but I am still not CERTAIN whether a CPA can be reinstated by the PDL once I have got the STOP CPA letter into the bank signed and stamped. I am not whingeing about the advice I've been given but I'm still not certain as I have had a couple of different answers/advice on different threads. I want to keep my current account with Natwest but have also set up a new account with them to get my income paid into. If the CPA can be reinstated at a later date what the hec
  24. The Office of Fair Trading (OFT) has issued a new set of principles around the use of continuous payment authorities (CPAs) after it found evidence that customers are not always aware of what they are signing up to. It has developed the principles following a sweep of websites using CPAs revealed that traders are not making it clear to consumers that they are being signed up to a CPA, or about their rights to cancel. CPAs have come under scrutiny recently after the OFT raised concerns in its interim report published in November, as part of its review into payday lenders, into the use of CPAs b
  25. Hi guys, I posted a few days ago with problems about Natwest refusing to cancel my CPA's and telling me the PDL's are not using CPA ect. Anyway i have now made an official complain thru the FOS, but after everything i told them on the phone they basically sent the Bank a 3 line summary of my complaint and everything i had said. Luckily the FOS letter sent to me gave me details of who is dealing with my complaint at Natwest so i have wrote a full 2 page letter explaining what happened in the branch in detail and im sending it off today. i will be keeping you all updated and hopef
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