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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        
    • Nearly £1.5bn of government cash is yet to be dished out to struggling businesses. View the full article
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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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LifeandSoul

Store 'disposed' of my appliance

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A few months ago I purchased a fridge/freezer from Comet. At the time I was having my house rebuilt (still am!) which included the kitchen. It was at the planning stage and we needed to choose a fridge/freezer so the kitchen could be built around it. We chose one and Comet agreed to keep it for us until we were ready for delivery. We bought and paid for it in full. They called me from time to time for an update and I advised them the kitchen was not ready and they recorded it on their computer. Last week I got a call from Comet to advise they had discontinued the appliance and my order had been disposed of! They advised I could choose another from them or I could get a refund in full, plus as a gesture of goodwill they would give me another £150. I asked them to advise if they had another appliance that was the same dimensions and specification (It had to be black and the chiller/water dispenser to be on the door of the freezer giving more freezer storage space). They could only give me one option but it was not suitable. However, I have found my original appliance online with another site but for more money. I spoke to Comet to advise the option they offered was not suitable as it was not the same dimensions. I told them I had seen the original elsewhere for more money and advised I would like them to reimburse me the cost of replacement with the other store. They then told me they would only give me a refund of what I had originally paid, but went back on what they told me regarding the £150 offer of goodwill!

The appliance with the other site is £250 more and yet they were offering me another appliance with Comet that was £300 more! This is absurd especially as it was their error. I should have been contacted either by letter or phone to advise they were discontinuing my appliance and to be given option of having it delivered or cancelling. NOT just cancel without notification as it was bought and paid for in full. Can anyone advise where I stand with this?

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If I understand the situation correctly you had bought and paid for this appliance and Comet had agreed to store it for you until needed. If they subsequently disposed of this item then they were clearly in breach of contract. In addition as the item was legally yours it was not Comets to sell. I would put these points to the manager of Comet. It is up to them to replace the item from where ever they can. Remember that they legally agreed to supply this to you and it is through their negligence that this problem has arisen.

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They have sold your property and therefore must replace it at their cost from whatever source. You have to take them to court but hope it does not come to that.

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I think you have a decent claim providing you can prove that they agreed to hold on to it and store it for you free of charge and the reasons why (as opposed to just being difficult when it came to arranging delivery or other such spurious argument to cover up ineptitude) but I doubt you'll get anywhere with the store. I think it likely that you'll end up in court.

 

the reason for the different offers. Assume a purchase price of £1000 for fridge.

 

Their cost price, maybe 600 tops, plus gwg of 150, their total cost - 750.

Paying you to buy elsewhere, same cost, 1000

Paying to to buy elsewhere, plus difference - 1250.

 

Hence the reticence from the store...

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