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    • 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        
    • 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..      
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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.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
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      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
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      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
clemma

Marston threatening bailiffs, but never received court summons

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My boyfriend has received a letter today from Marstons saying he owes £700 and odd pounds for multiple offences (?....presuming it was a parking fine). They say they are in possession of a court order but this is the first we know about any court involvement. I am pretty sure he should have received something from the court about this, but other than a letter months ago about the unpaid parking fine, he has had nothing else.

 

I have no idea what to do about this. They say they are sending the bailiffs, which if they do, they are going to be out of luck. We only live in a poky bedsit - everything in it belongs to the landlord (apart from my TV). We do have a car, but that is in my name and although he has a motorcycle, that too is in my name. There is nothing for them to actually take. It's pretty pointless, but they will no doubt still attend (not that I am going to let them in) and charge him for the privilege.

 

What I want to do is find out how this could have gone to court without his knowledge and just how it's costing so much! I would contact the court, but there is nothing in the letter to say which court dealt with this.

 

He obviously cannot pay the amount in full, and is not willing to until he has spoken to whatever court apparently dealt with this.

 

Any help would be appreciated.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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first hello stranger :rolleyes:

 

was thinking the other day , I had not seen you about for ages ;)

 

tomtubby will be the one to help you on this if you can catch her about

 

Kip


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http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

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Hello to you too kip :) How's you doing?? I've just not had the time to CAG, but at least I knew where to turn to when he got this bloody letter!! This one is way out of my knowledge. The only other thing I do know is that he has never received a CCJ either - he is pretty sure it's for unpaid parking fines, so I dont know if they do CCJ's for them (although am sure they would have to). Something not quite right with this one!

 

Anyway, will wait around for tomtubby or another expert. Have told him to call CAB as well....


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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My boyfriend has received a letter today from Marstons saying he owes £700 and odd pounds for multiple offences (?....presuming it was a parking fine). They say they are in possession of a court order but this is the first we know about any court involvement. I am pretty sure he should have received something from the court about this, but other than a letter months ago about the unpaid parking fine, he has had nothing else.

 

I have no idea what to do about this. They say they are sending the bailiffs, which if they do, they are going to be out of luck. We only live in a poky bedsit - everything in it belongs to the landlord (apart from my TV). We do have a car, but that is in my name and although he has a motorcycle, that too is in my name. There is nothing for them to actually take. It's pretty pointless, but they will no doubt still attend (not that I am going to let them in) and charge him for the privilege.

 

What I want to do is find out how this could have gone to court without his knowledge and just how it's costing so much! I would contact the court, but there is nothing in the letter to say which court dealt with this.

 

He obviously cannot pay the amount in full, and is not willing to until he has spoken to whatever court apparently dealt with this.

 

Any help would be appreciated.

 

Different regulations and fee scales apply to different debts and it is important to know what this debt relates to.

 

If this is for a parking ticket then the reference number may be 2 digits followed by 8 numbers.

 

If an unpaid fine it should state which court.

 

Can you check and post back.

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Different regulations and fee scales apply to different debts and it is important to know what this debt relates to.

 

If this is for a parking ticket then the reference number may be 2 digits followed by 8 numbers.

 

If an unpaid fine it should state which court.

 

Can you check and post back.

Isnt that 2 letters then 8 numbers

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It's got a Kent ref number on it - which is 8 numbers and one letter - that's it.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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It's got a Kent ref number on it - which is 8 numbers and one letter - that's it.

 

Does it say HMCS Kent?

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Yeah - so I presume that is the court then. Still, it's the first thing he knows about all of this.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Ok, so I have done a little more digging on this one. It is apparently from "multiple offences 13/07/07". The bf committed no offences on this date. He did have a driving offence, but that was in September of 2007 and the fine was paid. Also, it was dealt with at Kent court (which neither I nor CAB nor my local court can find details for) - the bf has never been to Kent, or anywhere near there! The closest is perhaps Dartford - but that is only recently. At the time of these alleged offences he was living and working in Bognor Regis - almost certainly not Kent.

 

Am having no further luck with this one. I have emailed Marston (no contact numbers - handy :rolleyes:), CAB cannot help anymore as I do not have enough information and I can't get hold of the court as no one can find a number for them (there are many, many courts in Kent).

 

So, the bailiffs reckon his time to pay is up today so I expect them to show up tomorrow. Am getting rather concerned by this as it is now seeming like they have the wrong person. Can anyone please help?


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Really could do with any help on this - the bailiffs may just turn up tomorrow, so I am rather worried.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Really could do with any help on this - the bailiffs may just turn up tomorrow, so I am rather worried.

 

We have a business advising the public on all matters relating to a bailiff visit but as it is a commercial business it cannot be advertised on CAG and we do not have a PM facility. What I can say is that this same complaint is so very common and you really should complain to the courts as the information on the letters from the enforcement companies is hopelessly inadequate.

 

What you can do at 9am is to telephone the largest Magistrates Court in Kent and ask to speak with their fines office. Nearly always they will be able to access the case records if you let them have the address and date of birth of your BF. If you have any problems then post back.

 

If you are able to locate the details and your BF had not received a summons then he can complete a Statutory Declaration which will cancel the fines.

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Thanks tomtubby. I'll just take a guess at the biggest court as there is so many of them in Kent.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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