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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?
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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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jimbo45

Restons just want houses - aren't interested in solutions

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Hi all

This whole process of Charging Orders and the possibility that you can actually LOSE a 250K house because of a relatively small amount of debt(3,000) on a CREDIT CARD which is supposed to be an UNSECURED debt is getting too much.

In the recent recession was unemployed and had the normal CCJ and CO as I couldn't keep up payments on a Marbles / HFC credit card.

 

Now I'm actually working again I can make payments but RESTONS (Warrington) just aren't interested. It seems they just want the house "for the hell of it".

 

Even the amounts I have paid them have NEVER been acknowledged -- no receoipts or anything so it's difficult in any case to keep track of what the current state of the account is.

 

I'm sure when and if I do get a final bill there will be HORRENDOUS extra charges etc added on so how is one supposed to even know what to pay.

 

 

Is there anyway I can get the whole thing delayed for a bit so I can get the whole thing paid off.

 

My reading is that Restons are a particularly NASTY VICIOUS bunch of people to tangle with so I'm not sure how to deal with this -- If I were to offer the court a reasonable percentage of the amount would this help.

 

I'm sure that a "Huge" collection charge has been applied as well.

 

Surely the courts aren't meant to allow people to lose their homes on really small amounts of debt or allow thuggy companies like Restons to grow fat on peoples misfortunes.

 

Surely in future Credit cards etc should carry a CLEAR warning that NO DEBT IS UNSECURED.

 

Thanks all

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there are several threads on this situation and how to deal with it.

 

just type in restons in the search of the blue bar above.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for the links

 

Even in the abysmal standard of DCA's and debt management procedures generally RESTONS do seem to be the lowest of low lifes -- and I suspect they really get a thrill out of harassing people.

 

I'm quite surprised somebody hasn't taken these **** apart on a Street Corner yet -- of course its illegal but so are a lot of their own practices.

 

However we'll have a go at them by LEGAL means.

 

Another irritant -- I sent them 6 post dated cheques paying a reasonable amount of money per month with a letter saying position to be reviewed at the end of June.

 

Of course NO recepts etc were given and at beginning of July got a threatening letter saying You've missed an instalment and unless payment is received etc etc they will go to court for the whole outstanding amount without warning -- and they added 15 GBP VAT charge to the account --what account as I never got any details etc etc.

 

It was quite clear on my original letter that I said position to be reviewed at the end of June -- carry on / pay more or less etc.

 

Even if you try and be up front and pay these **** you don't get ANYTHING back but Grief and Hassle.

 

Can I take the unusual step of either getting another DCA to take the debt of Restons hands or make a deal with the original Lender (HFC Bank).

 

Dealing with RESTONS is just too much of a pain anymore --just as I am going back to work again and will be in a position in a few months to clear everything this type of B/S comes back again.

 

Cheers

J

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Hi Jimbo45

subbing to your thread and you have my every sympathey.in my case i am going into battle with them to the end!You will find lot of thread about Restons on this forum though they have had quite a few defeats when they have taken people to court:)They and MBNA have issued a court claim against me and i am at Aq stage with them now!so i wish you luck in your dealing with them.


Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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