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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        
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Good Riddance To The Rankins - Moj Stops Them In Their Tracks

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Basil and Amanda Rankine, who starred in a Panorama documentary, claim to be able to cancel clients' credit agreements by 'buying' their debts.


But can it work and why has the OFT branded 'debt sale' a [problem]?

A couple spotlighted by TV's Panorama for trying to escape massive debts have set up a business claiming to be able to cancel clients' credit agreements by 'buying' their debt off them.

Credit Card Killer -www.creditcardkiller.co.uk*- set up by Basil and Amanda Rankine, which has been trading in its current form since early this year, says it buys credit agreements – including personal loans,*credit cards*and car loans – and legally challenges them.

But the parent company of Credit Card Killer, Momentum Network, has just been stripped of its authorisation to deal in the debt industry today by the Ministry of Justice (MOJ), the debt industry's main regulator.

The MOJ declined to comment on the company but said suspended firms are not allowed to advertise, offer debt advice, or handle debt claims.

The move follows a recent warning by the Office of Fair Trading (OFT) about debt sale companies, which it branded a '[problem]'.

Birmingham-based Basil and Amanda Rankine appeared on a BBC documentary late last year,Can't Pay, Won't Pay, in which they described arguing their way out of repaying approximately £100,000 worth of debt.

The Rankines have since stepped up their business Credit Card Killer, using the TV publicity to promote themselves on their website.

They charge indebted clients a flat fee of £450 plus 10% of the outstanding debt for a loan agreement, in return for 'buying' it off them for a nominal payment of £1. There is a further charge of £350 plus 10% for additional agreements.

Credit Card Killer says it is then no longer the client's debt and the original lender should not pursue them for repayment.

If contacted by the original lenders, the Rankine's solicitors plan to argue their way out of repaying the debts in the courts by finding fault with the original contracts.

Basil told This is Money that he and his wife are the founders of a nascent 'credit card cancelling industry', believed to currently consist of approximately half-a-dozen rival players.

The OFT recently branded companies offering to help people become debt free through buying or selling on debts 'debt sale scams' and warned consumers to steer clear of them. It argues the law does not permit the sale of debt without the original lender's permission.

The OFT says these companies are encouraging people to violate contract law, an illegal activity, which will eventually leave consumers out of pocket. The companies' advertisements violate industry guidelines as a result as they are 'misleading' members of the public, it added.

Basil Rankine strenously denies that Credit Card Killer's debt buying practices fall foul of any law or are a [problem]. He says the OFT's public criticism of the debt selling and buying industry brands him and his wife criminals, and has threatened to take them to court over the issue.

He argues contract law does not apply in this case as anyone can allegedly get out of a contract by refusing to repay a loan: once out of contract, they can sell their debts to whomever they wish.

Basil said: 'The OFT is right, you can't sell your debts while you are in a contract, but anybody can cancel their contract if they want to and then sell the debt on. None of the lenders have tried to take me to court, that's the important issue. It's because they're scared to.'


So who is right?

Daniella Lipszyc, a specialist in contact law with Ultimate Law in Altrincham, Cheshire, said the central issue here is a loophole Basil has identified: lenders terminate a contract after a borrower falls behind in repayments, before they ask for the whole amount to be repaid.

This loophole is the window created – after the contract has been terminated – that the Rankines are using to sidestep contract law to buy debt.

Daniella said: 'They are right, technically. The problem is they want to assign the liability for the debt to themselves, which is the bit I can't see working. The liability for the debt is a personal one, much like a personal injury claim; you can't assign a personal injury claim to someone else – it's yours alone, it's personal. There's also an implied obligation to repay the debt.

'Whether this holds up in a court of law remains to be seen.'


Let the debtor beware:*Fees are costly and the advantages of signing up to Credit Card Killer are unclear

Credit Card Killer has 'thousands' of clients, according to Basil. However, he admitted up to half of these are still being pursued by their lenders: 'Yes, they have frozen accounts, debt collectors phoning, banks who have taken money out of other accounts. About half of the lenders are still pursing customers for their debts; about half are still getting letters about their debt.'

People who 'sell' their debt will still 'be liable for their original repayment obligations', suffer a black mark on their credit file for unpaid debts and will continue to be pursued by debt collectors, according to the OFT.

It is impossible to tell how much the company has made from its 'thousands' of customers, as the due date for the latest accounts of Momentum Ltd, Credit Card Killer's parent company, has yet to arrive.

Past successes

The Rankines have an impressive looking list of written-off debts on their website, totaling just under £113,000 out of an original £120,000 borrowed. However, these gains must be set against approximately £100,000 worth of legal costs incurred.

In a case at Birmingham District Court in May last year for £37,000 worth of debt, which the couple lost, the judge said of Amanda: 'Mrs Rankine was deliberately seeking to be perverse and untruthful in seeking to avoid a substantial debt despite having all the benefits of equipment she expects the credit company to pay for on her behalf.

'Her behaviour in court was perverse, argumentative and obstructive.'

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This subject has already been discussed elsewhere - why start a new thread on it?


If you are going to lift articles from the media, you need to provide a link.

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didnt realise it had- sorry i was so exited- just found it on another post

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to be fair the site is sooooo large and rambling it takes a while to keep upt to speed


by all means take it down if it offends or causes complications

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