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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.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
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Informal Absence Review Meeting - Can I Refuse?

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Apologies if the answer is posted elsewhere, but i have spent the last 20 mins trying to find the answer without success.


My situation is I've been absent from work since March this year with depression / anxiety - this is the period in question.

My background is I've been with my current employer for the last 5 1/2 years, and developed anxiety/depression in the last 3 years resulting in approx 7 months absence in that time, excluding this current episode.


I've been updating my employer through my spouse regularly and providing absence certificates from my GP.

Recently I've had my initial consultation with a psychiatrist who will be referring me for Cognitive Behavioural Therapy, and has stated it would be a good few months before I will be able to return to work.

Both my GP and Psychiatrist have received this week a report request from the Occupational Health Department of my employer which i consented to.


Today I received a letter stating that my manager and her colleague will be visiting me on Thursday (6 days time) for an informal absence review meeting, stating they would like to talk to me about the benefit of keeping in touch, to gain a better understanding of my illness, and in any ways in which they can support me.


I have recently discussed with my GP that my manager may be requesting a meeting as this was indicated as a possibility to my spouse on the telephone from my manager, for which my GP advised to refuse as could be detrimental to my recovery.


The reasons i have been given for the meeting i would have though would have been covered in the report that i have agreed to with my GP and Psychiatrist.


Thus my question is can my employer take any action against me should i write a response to my manager refusing a meeting on the basis that it would be detrimental to my recovery as advised by my GP, and that any information they require i have consented to the company obtaining from my GP and Psychiatrist?


Many Thanks

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Is it maybe possible to contact your employer and say that 'at this moment your not refusing the meeting, but your GP has advised against it as it may exacerbate the anxiety.' Say that you feel it's important to follow the GP's advice because ultimately you want to return to work as quickly as possible, but say that you're more than happy to provide them with any GP reports throughout the treatment to keep them informed and upto date. It may just be that your employers are following Acas guidelines in trying to arrange this meeting to fulfill their duty of care. If you don't want the meeting then that would absolve them of this responsibility. Either way I would suggest communicating first to check the situation. Alternatively, you could contact Acas first and ask where you would stand if you did refuse. It's a situation that requires a certain delicate approach though. Although you may have the right to refuse (which I don't know sorry), if you do, there's always the possibility of them looking for business reasons that they can't hold your job open indefinitely.


I would learn what your rights are first of all so you know where you stand, but try communicating and being diplomatic about the situation before exercising any of them.

  • Haha 1

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Many thanks for taking the time to reply, it is most helpful.

The reason i don't want, or won't be able to have a meeting, is that any thought of social contact brings out my anxiety and usually leads to a panic attack.

This has lead me to have agoraphobic tendencies, and I'm about to start a change of medication which could have side effects of sedation and dizziness, thus i may not be fully aware of what I'm saying, or remember what has been said.

My wife will phone the ACAS helpline tomorrow and get their advice, further more my GP is going to include in my latest report the importance of not having meetings and the negative effects it could have, resulting to a further delay in my return to work.


In the back of my mind I'm worried they are trying to get rid of me, but seeing as my mental health issues only started during my 3rd year of employment, and that I'm now registered as having a disability, I'm hoping they may be looking at other areas of the business i may be able to work when i return. Though at this time I'm just not ready to think about returning to work.


Fingers crossed ACAS will be able to put my mind at ease, and thanks again.

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Not a problem at all. Hope everything works out for you.


Ask your therapist about mood gym aswell, I used it alongside cognitive therapy and found it very helpful. It's basically an online programme that gets you to alter your thought process positively and alot of therapists recommend it.

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