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    • 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        
    • Only asking because I want to get my facts right before I approach the bank! Yes, BT is coming out of the same account.
    • not if they want to make the OP the named claimant no!! let them take the other party to court themselves!! the op can be a witness then..   one bitten...read this thread..      
    • eh? no valid contract!   is the BT coming out the same bank AC?  
    • Hi Sorry but i am still stuck on where to go next in all of this.   This week the dealer contacted me at the 11th hour to talk repair of my car. He seemed only interested in the repair in speaking of just one of the problems  and i was struggling to get him to commit to the other fixes required. I asked him about the service history log and the proof that he had changed the cam belt.   He has told me that he will chase the service log book through his accountant. (I'm confused why through his accountant) and that his mechanic would provide the paperwork for the cambelt work, although he is away until September. (I dont believe any of this. He has had months to do this)   Back in June he said in a text to me that he would get my car fixed once his supplier opened for business from the 4th July and arrange a date with me. From that date onwards i was unable to contact him. He didn't answer his phones or reply to my texts or answer machine messages. He has told me now that his business was closed during that time.    I asked him about the 3 recorded messages i had sent him that were signed for. He said that he has not seen any letters. Somehow though he has sold 10 cars throughout May, June and July. I have been watching his stock level on Autotrader and he has been advertising his new stock and his sales on facebook throughout this period. Also he has chosen to contact me this week on the night before i was stating i would take action.   Frustratingly i expressed my desire to return the car to him for a refund and he has told me that because i didn't reject the car in the first 30 days then that wont happen. How could i reject the car if his business was apparently closed, we was not responding to me other than initially putting off any attempt at repair work.   I am feeling completely cheated by this man. He has even accused me of purchasing a car from him that i knew was faulty!!    I have shared my story recently on a Land Rover forum and interestingly a member of the forum has come forward and told me that he had also test drove the car before i did. He said the car displayed the errors i am experiencing and that the dealer had acted suspiciously. This forum member has offered to write me a statement if its of any use?   September the car is due an MOT and it is likely to fail because of the work he has not done. If i take this matter to court and it takes 6 months then what do i do if the car fails the MOT or the faults cause the car to brake down? I need this car for travelling to work and back.   Is it a viable option for me to get the car fixed myself and then claim that cost at court? I need a working car and i do not trust this dealer. He is clearly telling lies and i dont trust him completing the work to a satisfactory level if at all. Im assuming he is wanting to wait for HIS MECHANIC to get back from his holiday too. Strange time to be away for several weeks.   If i was to get my garage to do the repairs i could also ask them to confirm if the cambelt was ever changed. I'm convinced it wasn't.   Please advise. I am incredibly stressed out.
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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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siouxsie123

Old council tax bill from when boyfriend was a student

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Today, totally out of the blue, my boyfriend received a £600 bill for council tax owed from periods in 2003-2004/05 where he would have finished school and been waiting for college to start and where he would have finished college and been waiting for university to start. I also notice that for the first of the times they want money for he wouldn't have even been 18! During these periods he wouldn't have been able to claim benefits or jobseekers allowance as he would have been classed as a student BUT when I asked the council tax people today, they told me that people are liable for council tax when changing institutions (this was after a discussion amongst themselves since no one actually seemed to know the answer :rolleyes:).

 

I don't understand how it took them this long to contact my boyfriend about this, they spoke to him and his flatmates in his last flat to sort out student exemption, at which point he gave them all his previous addresses etc.

 

When I google for any answers all I can find is info from other councils, I assume all councils have different rules for this?

 

We're not really sure what to do now. Should we dispute the bill or just arrange repayment? Any advice would be appreciated.

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Hiya,

 

can you say what council it is?

 

ida x


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Sorry I should have said, it's Dundee council.

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okies i'll be back (said in my Arnie voice) :D

 

Ida x


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oh can you say have you received a demand from the council or from a lovely sheriff officer/messenger-in-arms?

 

 

Ida x


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It's a demand from the 'debt recovery team' of the council.

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more questions:

 

1 did he live alone?

2 if not how many were there?

3 was this rented or owned by someone there?

4. were all people under 18?

5 when did you boyfriend turn 18 was it during this period or after

6 were they all students?

Ida x

Edited by IdaInFife
honest i am not drunk

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The council bill is for 3 separate periods of time, In all these periods he would have had 1 flatmate, they want money for 2 different addresses and he would have had a different flatmate at each address (I hope this makes sense!)

 

The flats were rented.

 

My boyfriend would only have been under 18 for the first period he is being billed for (so obviously we plan to dispute that one) I don't know about his flatmate at the time. The second period was when he had finished college but had been accepted to university. The 3rd was when he had graduated but had moved out of his flat early although we have no proof of this so accept that we will probably have to pay it.

 

He would have turned 18 during the first period they are claiming but would also have started college before he was 18.

 

 

 

When we spoke to the council they said the bills were all for times when he wasn't classed as a student. There was someone else on the forum with a son in the same situation (also with dundee council) here here but I don't really understand what they managed to find out :(

Edited by siouxsie123

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okay need to plead ignorance and send them a letter to get written confirmation edit the following:

 

 

Dear Whoever,

 

I have received a demand for council tax dated xx/xx/xx for periods from xx/xx/xx to xx/xx/xx and xx/xx/xx to xx/xx/xx and I wish to dispute my liability for it.

 

For the first period of these dates I was under the age of 18 (d.o.b xx/xx/xx) so cannot be held responsbile for council tax during this period.

 

I attended XXXXXXXXXXX School, address, Postcode and therefore a student along with my flatmate. I then started COLLEGE/Address on xx/xx/xx and then progressed to UNIVERSITY/ADDRESS on xx/xx/xx and I left address at the time on xx/xx/xx.

 

At all times I have been in contact with the local council and always declared my student status and what college and university and the courses attended. As you can see I have been a continuing student and was not entitled to any benefits or jobseekers allowance during any of these periods as I was a continuing student.

 

If you assertain that i am still liable for any of these periods you claim please provide me a breakdown for these period and an explaination to each period why i would be liable and if i was liable why was I not entitled to claim council tax benefit for these periods.

 

 

something along those lines

 

Ida x


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and send recorded delivery

 

ida x


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Thank you so much Ida, I will write a letter and get bf to sign it tomorrow.

 

The only problem is I know that bf and his flatmate wont have filled in all the student exemption forms that they should have, they will probably just have been receiving bills and thinking "we're students, we don't have to pay CT so we can just ignore this". I will try anyway.

 

Thanks again :)

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