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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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    • 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.
       
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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Hello,

Myself and my husband have lived in te same rented property for 6 years.

We rent the property through an estate agent who acts on behalf of the landlord.

 

We were recently very lucky to come across an ideal larger property for rent privately dealing with a private landlord direct and have been offered the property.

On Monday (this week) I put in our 1 month's notice in writing to the estate agent for our current place and told them we would be moving out in exactly one month from then.

They replied saying they wouldn't accept the notice because it has to be given from our rent date- as listed in the tenancy agreement.

Well our rent date is the end of the month and has been and gone.

So basically they won't take the month's notice until the next rent date

which means we are forced into paying another month's rent- when we won't even be here for the best part of what we'll be paying. The property will be bloody empty!

We have to move in exactly one month from now as this is what the new landlord wants as they are going abroad and need to complete the tenancy before they go.

I think this is a ****ty clause- it basically guarantees the landlord another month's rent for sweet f.a, so they're not out of pocket too long whilst looking for new tenants.

Meanwhile I have a month's rent and deposit to find for the new place- now another month's rent for here when we won't even be here!

 

Fair enough we signed the contract and I guess we are bound but I really think it's unfair.

Properties for rent come up when they come up- any time of the month.

You view it, decide you like it and the notice goes in- or not in our case.

How the hell can you plan to be leaving exactly when a rent date falls?

I don't think anybody does.

That's how they are guaranteed the money!

It's an easy win.

 

I was looking on the O.F.T website and came across something worded similar to this as being an unfair clause.

 

What do you think?

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Hello

 

Just wanted to wish you luck we too are in a similar position, we have only been told today that we have been accepted for the new property we are moving to, my problem is our lease states rent due on 1st of month, but we pay our rent 15th, it looks like i will have to wait until Aug 1st to give notice, but our new property is ready and waiting.

 

We are going to see if we can negatiate with current landlord, if he wont budge, i will ask him to use our bond money as the last rent payment.

 

I will keep following your thread.


:eek: Looking hard to see a light at the end of the tunnel :eek:

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Its common. Nothing unfair about it. The principle has been long established in 'common-law' and statute.

 

Your notice must end on the same date in the month that the fixed term of your contract came to an end (which is often, but not always a rent payment date).

 

So, serve your notice again now with the correct date, it doesnt matter that you are giving more than a month.

 

Good luck.

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Are either of you on Housing benefit? Because you can ask for an overlap payment of up to 4 weeks for situations like this. Whether they give it you is a different thing, but the scheme is there to be used.

 

And yes, whack your notice in now, to the correct date. DO NOT hand back the keys until that date, (but don't be late with them ((and get a receipt)) - that could be an excuse for them to get yet another month out of you) because you are responsible for that property whether or not you are in it. You must be present at the check out inventory otherwise you leave yourself wide open to accusations of damages, then they'll be all sorts of problems about deposits and what have you. make sure you readit and agree with it before you sign it.

 

Good luck in your new homes chaps!

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