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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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      I was in Sainsbury’s today and did scan and shop.
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boycie

Broadband talk fiasco

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I was wondering if anybody else has had a problem with their BT Broadband talk facility when it comes to incorrect charging.Having been with BT Broadband since October 2007 i have never used the Broadband Talk facility ever.Two months ago i noticed charges to this service that i have never used.Having contacted BT on numerous occassions to rectify the problem,they investigated the issue and surprise surprise they said there wasn't one.They assured me the line had'nt been tapped and the line wasn't faulty.As i live on my own i know what calls i make,and none have ever been made from this service.

Tracking back my bills i noticed this problem went back to April 2008,but went unnoticed due to the miniscule amounts charged to the Broadband Talk number,only when the bill amounts were much higher than usual did i see the problem.

I was unaware that the Broadband Talk Phone account should be deactivated after 90 days if never used,so the problem i have should never have arisen.It also took BT a month to cancel the account when it can be done straight away.The calls i was suppossed to have made were calls to a mobile number i'd never heard of,and 0845 numbers i'd never called.Has anyone else encountered this problem,and can a Broadband Talk line be hacked into?

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Broadband Talk is not a "line" as in a phisical bit of wire, it's similar to skype called "VoIP" or "Voice over internet protocol" as to the "can it be hacked into?" I S'pose if someone set it up using your username and password for it they could... Here is some nice contact info for BT :- http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/199136-bt-exec-management-contact.html , ask them to investigate it, tell them you suspect either a clerical error or someone is connecting fraudulently as you've never used broadband talk. Hopefully they'll refund you without too much hastle!


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Not exactly the same problem but very similar.

 

I have not been a BT customer for a number of years but I did have an issue before I left them. I had 2 lines, one of which was used as a fax line only. One day I glanced at the bill for this number and spotted a couple of calls to mobile numbers, when checking the previous 2 bills I found a similar thing.

I complained to BT and did get a credit, it was only for abour £5 but that isn't the point. A mistake on one bill I can accept, but on 3 successive bills?

It did make me think.. multiply the number of BT customers by say 80p per bill and that is a lot of money. I'm not suggesting that is what they do/did but it did make me wonder!

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Phisical lines do get hijacked a lot more than people think... I remember having the same cordless telephone as a neighbour once and when they rang we rang (thats going back a long long time tho :p) Good advice to check your bill always (even when you thing it's impossible for it to be wrong... they're the ones that get overlooked for a long time!)


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