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    • So you're telling me you wouldn't rule it out but agreeing with others it's true without qualification. Hardly objective.   There is no evidence it's true and not even Labour are suggesting it. Like I say, opinions are fine but they are worthless unlesss they have at least some factual basis.   Germany put Spain on their quarentine list yesterday, are you blaming that on Brexiteers too?
    • what rights of access do you have on your agreement with the landlord?   i suspect you shouldn't have to pay a thing.
    • then there is your proof to them why would you pay for BB twice!!   for my notes: 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 guide has now been updated:  . http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel https://www.fca.org.uk/consumers/unauthorised-payments-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 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. and that CANCELLING 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        
    • Nearly £1.5bn of government cash is yet to be dished out to struggling businesses. View the full article
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
freakyleaky

H.O.L Test case appeal. Judgement Declared. ***See Announcements***

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NEWS RELEASE FROM BOB EGERTON (BOB THE BANKBUSTER)

 

FOR IMMEDIATE RELEASE: 11 January 2008

 

OFT/BANKS TEST CASE TO BE HELD IN SMALL ROOM - OFT SPOKESMAN "DID NOT REALISE" ROOM ONLY BIG ENOUGH FOR 6 MEMBERS OF PUBLIC

 

Next Wednesday 16 January, the OFT and Britain's high street banks are due to meet in a High Court battle which will decide whether or not the banks are operating an unlawful charging regime. The case is of great public interest as it could result in the banks having to repay £20 billion or more to about 10 million customers. It has now been revealed that the case will be heard in a room at the International Dispute Resolution Centre in Fleet Street and that there will be space for precisely 11 members of the press and the public. A spokesperson for the centre said that entry will be on a first come first served basis but that the space will be divided roughly equally between the press and the public; and passes will be issued separately for morning and afternoon sessions. This means that, at most, 6 members of the public will be able to attend and no-one will be able to attend a full day. It will be impossible, therefore, for any one person to obtain a complete picture of the proceedings. It will also mean that many newspaper and television/radio reporters will excluded.

 

A spokesperson for the OFT claimed today that he "did not realise that the room would only hold this number of people".

 

Bob Egerton, bank charges campaigner, said, "This case is a great embarrassment to the OFT. It has exposed the institutional weakness within the OFT where it is effective at curbing unlawful behaviour by small businesses, but it does not have the stomach for a fight against the big corporations like the banks. By holding the case in such a small room, no member of the public will be able to sit through the whole case; and much of Britain's media will be excluded. The OFT is no doubt hoping that the case will receive little press coverage and that it will all quietly fizzle out. However, I and the many other campaigners will ensure that this issue does not die. We will continue to fight the banks over this issue whatever the outcome of a meeting in a tiny room in London."

 

 

Rob Williamson, leader of the case team at the OFT

International Dispute Resolution Centre, who can confirm the details of the room, 020 7936 7000

IDRC - Dispute Resolution, Arbitration, Mediation & Conferencing Facilities

 

 

More news and proposed action to follow!


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In order to bring to the attetion on the media about the unfairness of having limited space for public and press, Penfold has come up with an e-mail which needs to be sent by as many people to the press.

 

Newspaper contact emails:

 

The Times - news@timesonline.co.uk

 

Sky - news@sky.com

 

The Sun - talkback@the-sun.co.uk

 

The Mirror - mirrornews@mirror.co.uk

 

The Telegraph - dtletters@telegraph.co.uk

Not sure that is right, but it is a correct email anyway…

 

The People - mailbox@mirror.co.uk

 

ITV - dutyoffice@itv.com

 

Something on the BBC website: BBC NEWS | Business | Key test for bank overdraft fees

 

Watchdog - watchdog@bbc.co.uk

 

That’s a start others can add on this thread…Do we want to do this straight away or wait until the Petition is online???

 

Prabs (Penfold)

 

something like tjhis should be easy enough for everyone to send off...

 

Dear Sir or Madam,

 

I would like you to be aware of something that came to my attention yesterday that gives me great concern. It has come to my attention that even though this Court case was due to be heard at the High Court it is in fact being held at the International Dispute Resolution Centre in Fleet Street and that there will be space for precisely 11 members of the press and the public. A spokesperson for the centre said that entry will be on a first come first served basis but that the space will be divided roughly equally between the press and the public; and passes will be issued separately for morning and afternoon sessions. This means that, at most, 6 members of the public will be able to attend and no-one will be able to attend a full day. It will be impossible, therefore, for any one person to obtain a complete picture of the proceedings. It will also mean that many newspaper and television/radio reporters will excluded.

 

A spokesperson for the OFT claimed today that he "did not realise that the room would only hold this number of people".

 

As a Press Member with National Reach I hope you will investigate this matter further and publish your findings? It is important that we all ensure Justice will prevail. Since no one person or the media will get the full picture, will the public's interest will be upheld? Surely you appreciate that this matter concerns the majority of people in this Country and is a National Issue. There will be others emailing to express their concerns as we are all concerned that this could be construed as almost behind “closed doors” and therefore potentially not in the interest of the General Public.

 

Yours faithfully,


[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Guest vortex

I think if the press read sites like Penalty Charges which is Stephen Hone's site they would have been aware of the change in venue on THURSDAY when he posted it on his site. Do you not visit other sites for information?

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[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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I cant believe they actually expect us to believe they did not know where this case was going to be held until the very last minute and also stating that not one person of the public or press will be able to verify the true picture of events from beginning to end due to the size of the room.

 

I believe this a stitch up! The banks have no intention of revealing anything and I for one dont believe the outcome is not going to be for good of the customers who have lost £££'s but for the good of the banks and institutions and alike.

 

What can I say, the ombudsman put out a "stay" on all cases when they could have should been heard and now we are not even going to get the true picture of events!!

 

We as a customer could have and should have had our chances in court and the banks should have been made to reveal their true costs incurred,

that this matter would have been resolved after all not one of the banks intended to argue their case and now they are behind closed doors with limited reporting details of the case.

 

Oh my how they are all rubbing their hands with glee!!!!!


Ladidi

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Im surprised that anyboby is actually surprised.

Money talks at every level.

And with this cartel standing to lose so much, just lift up the edge of your carpet.


I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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smaks of ...............well some one is being paid off i fancy?????:rolleyes:

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I'm just getting used to this site so have tried sending the letter to various media, just hope I've done it right.

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Thanks guys, I have just sent all mine off to the above newspaper links. If I think of anymore I will copy them in too. Fingers crossed something will happen in our favour.


28-05-2007--Received Schedule of Charges.

03-06-2007--Prelim sent.

12-06-2007--Reply - Thanks but charges lawful!

19-06-2007--Sent L.B.A. & Schedule of Charges

NOTHING RECEIVED AFTER 14 DAYS

05-07-2007--Phoned Halifax to discuss account. Still standing by charges.

13-07-2007--Filed N1 in Hull Court :wink:

20-07-2007--Halifax deemed served.

25-07-2007--Received offer £280 as Full and Final settlement.

27-07-2007--Sent rejection letter recorded delivery

03-08-2007--Rang Hull Court, nothing received from Halifax

04-08-2007--Sent Pre Judgement letter.

10-08-2007--Defence received from Halifax

13-08-2007--Judgement Request sent

24-08-2007--Claim stayed at Hull Court

31-08-2007--Applied for stay to be lifted

12-10-2007--Hearing for removal of stay on 31/10

31-10-2007--Removal of Stay struck out

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emailed letter to all and sundry!

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I would have thought that with the money that is involved in this case they could have used Wembley Stadium instead of a little room holding just 11 people at the I.D.R.C.........SELV....;)

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with the money that is involved in this case

 

Thats the very reason that they have wangled this.

They REALLY dont want to go public.

 

Its an absolute disgrace, but not one that surprises me.


I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Emails have gone to everyone of those bar the Sun.

 

Thanks for the template and all of the addresses, hopefully it'll make a few people think about looking into it.

 

Cheers,

 

KA


Prelim letter received by Barclays: 26/03/07

**************no reply***************

 

LBA received by Barclays: 10/04/07

**************no reply***************

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

Offer of £1,885.00: 04/05/07 (turned down)

Offer rejection received by B'clays: 08/05/07

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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is it me, or does this stink of corruption??

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missed most of it but apparently Martin Lewis was doing a good job of bringing this to everyones attention ( well those who listen to radio two) by quite rightly having a good rant and rave about this :)

 

jan


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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The Office of Fair Trading: OFT test case delayed

 

OH, What a surprise !!!!!!!!!!!!!

They have spent an estimated £1million each in preperation for this case.

Nothing like forward planning then.....


I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Guest vortex

The trial Judge for the test case cannot be expected to force a jury into returning a verdict JUST because there is an OFT test case, that he has been given to handle, can he?

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Jury ?

 

This will all be concluded by men with a funny handshake.


I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Hi Does anyone have any idea how the case is going?


NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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OFT test case delayed

 

7/08 15 January 2008

The OFT's test case on unauthorised bank default charges has been delayed.

 

The case was due to begin tomorrow at the International Dispute Resolution Centre, but has now been postponed due to the Judge's prior commitments running over. It is hoped that the case will start before the end of the week.

(hmmmmmmm I just found that press release);)


NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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the case is starting today at 10.30.


=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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