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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.
       
      The cost of the items was about £40.
      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.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      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
flasharry

Ltsb..little hitlers....

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Hi..dunno if this is the right place to have a weep!!!!...

 

In 2001, or thereabouts I had to finish work because of disability. I owed TSB £10,000 on my Asset credit card.On advice recieved I contacted TSB and it was agreed that I pay £20 per month and the interestlink3.gif was stopped. I have been paying this payment every month, but early this year TSB wanted my payments increased and the interest restarted. They sent me a form to fill in my incomings and outgoings which I duly filled in. I have been on pension credit since 2001 and have no savings. I tried to contact them, but got no help from their call centres ( I couldn't understand what they were saying and they couldn't understand me, they kept passing me from one operator to another until they cut the connection!!!)

This morning I checked my bank account online and they have cleared what little bit of money was in my account and left me £80 overdrawn ( I have £100 overdraught facility)

I have contacted the DSS and stopped them putting my pension credit into my bank account, the weekly payment is £170 including my mobility payment of £42.

I assume that I have to open another bank account and Close the TSB account. What can the TSB do to me to recover their money??

 

worried Flasharry

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Some advice will come soon xx

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Moved to General Debt Forum.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Unfortunately they can offset between a/cs and in doing so create more ridiculous charges.

 

You should open a parachute a/c with an unrelated bank to prevent them from doing this.

 

I take it that this credit card is quite a few years old so I suggest that you send a CCA request to see if it is in fact enforceable; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter Enclose a £1 postal order and send it unsigned by recorded delivery. They have 12 working days from receipt to provide it.

 

When you get it back if you scan it, remove any identifiers and post it up here we'll check it over for you.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Thankyou cerberusalert Ltsb has passed this problem their collections centre. I'm going in hospital in the next few days I will be in for at least a week and incapacitated for a couple of weeks after that. I intended to make an appointment to see my local Ltsb branch manager, but it's going to be a month before I can do that, so I will keep you posted, if that's ok.

The DSS official and some close friends say that it is illegal for Ltsb to take money out of my account is this true?

thanks again for your help...

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The DSS official and some close friends say that it is illegal for Ltsb to take money out of my account is this true?
I'm afraid they are wrong, they can legally offset between a/cs in the same group. :(

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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This morning I checked my bank account online and they have cleared what little bit of money was in my account and left me £80 overdrawn ( I have £100 overdraught facility)

I have contacted the DSS and stopped them putting my pension credit into my bank account, the weekly payment is £170 including my mobility payment of £42.

I assume that I have to open another bank account and Close the TSB account. What can the TSB do to me to recover their money??

 

worried Flasharry

They may have the right to offset but they don't have the right to take more than is in the account and force you to use credit

 

Complain about that to LTSB. If they don't refund £80 immediately (they can do it immediately but might say their operations centre has to do it & that might take 3 weeks) then try consumer direct (ask to be out through to trading standards) and escalate the complaint to the financial ombudsman when you get their final response

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And yes, open a new account, but not at the Halifax because that is owned by LTSB

 

If you already have an account with the Halifax consider moving that too

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Thankyou again Cerberusalert, I didn't think the bank would make such a mistake. I have stopped my pension from going in my bank, and cancelled all direct debits. I'm going to deposit £150 in my account, (courtesy of my best mate) to clear my overdraught and have money to pay the monthly credit card payment. If this is taken out I will have more evidence to place before a County Court judge, if it comes to that. Meanwhile I'm awaiting confirmation from another bank regarding my application for a current account.

I know this debt has to be paid, but short of winning The Lottery, I cannot pay it. I've been told that it will take 45yrs to pay it off at £20 per month and that is not including the interest.:mad:

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Thankyou for your reply 2grumpy....yes they took £80 out of my overdraught, they have since taken fees out of the remaining £20 o/d.

The bank i'm trying to get an account with is Barclays..

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Thankyou for your reply 2grumpy....yes they took £80 out of my overdraught, they have since taken fees out of the remaining £20 o/d.

The bank i'm trying to get an account with is Barclays..

You can't complain about them taking the fees out of the o/d I'm afraid (but you can start the process of reclaiming them!), but you can complain about the £80

 

You should definately add up all unlawful charges - e.g. late payment, over-limit, default etc. That might knock a few years off the repayments

 

Hopefully they will make a mess of the default notice & lose the oppertunity to collect anything

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