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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.
       
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      • 16 replies
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Just wonded if anybody could help me, i have book 2 rooms in a hotel at Blackpool for this Sunday till Monday for for 1 nights stay.

Unfortunatley i have not to cancel the booking because 1 of the guests has been rushed into hospital and as a carido surgery, so now we will not be going to Blackpool, and i have phone the hotel to cancel the booking and asked could i get a full refunded of £85, they say a non-refundable deposit cannot be refunded on a 1 night stay.

 

1) I Paid the full amount of £85 over the internet, not a deposit.

2) In the Booking terms it does not state about the 1 night state, only states that have to cancel the booking within 48 hours of arrival time, nothing towards how long you stay.

 

Please can anybody advice us if we can get a full refund. I have enclosed the Booking Papers with booking terms.

 

Thank You

 

Julie Brennan:mad:

 

 

 

 

 

 

 

 

 

Your reservation and payment have been confirmed. Please print this email for your records.

To make any changes to your booking, including cancellations, please contact Golden Beach Hotel directly.

Your Details

Name

Mrs Brennan

Address

 

 

Home Phone

+ ()

Email

gazza155@googlemail.com

Booking With

Name

Golden Beach Hotel

Address

565-567 New South Promenade

Blackpool

Lancashire

FY4 1NF

UNITED KINGDOM

Telephone

+44 (1253) 345964

Email

adnan_sultan@hotmail.com

Booking Details

Booking Dates / Times

Product Description

Adults

Child

Concession

Amount

Sun 04/Jul/10 (14:00) - Mon 05/Jul/10 (11:00)

Family Ensuite - 4 person

2

1

0

£45.00

Sun 04/Jul/10 (14:00) - Mon 05/Jul/10 (11:00)

Double Ensuite

1

1

0

£40.00

Total:

£85.00

Amount paid:

£85.00

Balance Due on Arrival:

£0.00

Product Information

Family Ensuite - 4 person : Family ensuite room with color Tv and Coffee and Tea making facilities.

 

Price is Inclusive Of Breakfast. Extra bed(portable) can be added for an additional cost of 5 pounds.

Double Ensuite : Double ensuite room with color Tv and Coffee and Tea making facilities.

 

Price is Inclusive Of Breakfast.

Special Requirements

Anticipated Time of Arrival: 13.00.

Merchant Information

Name

Golden Beach Hotel

Address

565-567 New South Promenade

Blackpool

Lancashire

FY4 1NF

UNITED KINGDOM

Payment Information

Transaction date

26/06/2010 (21:10)

Card Holder Name

J A Brennan

Payment Method

Visa (xxxx xxxx xxxx

Authorisation Code

028602

Booking Reference Number

R2030997

Booking Terms

Booking Terms

These Booking Terms apply to the business named above (under the ‘Booking with’ section of the Booking Confirmation and the ‘Provider Information’ in the confirmation email) our officers, employees and agents (‘We’/’Us’/’Our’) and the person or legal entity making the Booking or to whom We supply services in respect of the Booking (‘You/Your’). These Booking Terms are governed by English law and apply to all Bookings except where We agree in writing other terms. By making a Booking You are deemed to accept these Booking Terms.

Bookings

Bookings are made and a contract between You and Us comes into effect when We accept a reservation from You. We will accept a reservation when We have confirmed Your reservation and received full payment of the total price quoted from You or in the event that we require a non-refundable deposit, when we have received full payment of the total value of the non-refundable deposit. Where a non-refundable deposit is paid, the balance will be paid by You to Us on either check-in or check-out

You must be able to enter into a legally binding contract and be over 18yrs to make a Booking.

Bookings must be paid for using an acceptable and valid credit or debit card.

When a Booking is confirmed, a reservation number is given. This number must be retained for access to the Booking details if cancellation or amendment is necessary.

Prices

All published rates include VAT where applicable (and local taxes) at the current rate.

Rates are per room per night. If You have selected supplements they will be added to the total price of the Booking. Rates do not include other costs you may choose to incur during Your stay (unless otherwise stated).

Rates quoted are correct only for the specific number of guests, nights and dates shown. Should You change the number of guests, dates or room nights, then the rates are subject to change.

Availability

In the rare case that due to unforeseen circumstances we cannot deliver Your requested accommodation, You will be offered alternate accommodation.

Arrival and departure

Check-in times are specified on your booking confirmation. Check-in times outside of those specified must be confirmed with Us prior to arrival. The Check-out time is also specified on your booking confirmation.

Cancellations

If You have paid a Booking Deposit:

If You cancel Your Booking at any time and have paid a non-refundable deposit, you must contact Us to cancel Your Booking, although no money will be refunded to You.

If You have paid the full amount for Your Booking:

If You cancel Your Booking within 48 hours of the scheduled check-in time on the date of arrival as printed on your booking confirmation a charge equivalent to the total Booking price that includes any supplements selected by You will be levied.

If You need to cancel Your Booking more than 48 hours before the scheduled check-time then please refer to the Conditions of Use below for specific terms relating to our Refund Policy.

Amendments

To amend Your Booking, call the business directly using the number contained within the booking confirmation. If you amend Your Booking within 48 hours of the scheduled check-in time on the date of arrival, and as a result You cancel any room night with less than 48 hours notice a charge equivalent to the total price (including any supplements selected by You) for that room night may be levied.

Payment

The total amount payable to confirm the Booking is quoted above and will be charged to Your credit or debit card at the time of Booking.

All additional goods and services purchased during your stay must be paid in full on presentation of invoice at check-out.

Conditions of stay

We have some standard rules that are designed to ensure that we comply with regulations relating to matters such as fire, health and safety, and to enhance the comfort and wellbeing of our guests. If you would like to check our conditions of stay please contact us.

We reserve the right to terminate Your Booking immediately without being liable for any refund or compensation where You engage in unacceptable behaviour that causes a disturbance or nuisance to other guests.

Liability

Other than for death or personal injury caused by Our negligence or misrepresentation, Our total liability to You is limited to the price of the Booking and to the fullest extent permitted by law all warranties are excluded and in no circumstances will We be responsible for any indirect or special damages.

We will not be liable for failure to perform to the extent that the failure is caused by any factor beyond Our reasonable control. You are responsible for any damage or loss caused to Us or our Our property by Your act, omission, default or neglect and You agree to indemnify Us and to pay Us on demand the amount reasonably required to make good or remedy any such damage or loss.

Data protection

We may process the information You provide to Us for the purposes notified by Us to the Information Commissioner. By making a Booking, You consent to this processing of information.

Conditions Of Use

Please Note: We are a No-Smoking property. Regrettably, we cannot accept pets. Children welcome. Check-In time: 1400 and Check-Out time: 1000.

 

System licensee provides this email template for convenience only and is not responsible for its contents or manner of use. To the maximum extent permitted by applicable law licensee for itself and its licensor disclaims all warranties whether express, implied or statutory and liability however arising out of the use or misuse of this email template including but not limited to liability for any special, indirect or consequential damages.

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Well, it's a bit late in the day, but I've only just noticed this thread.

 

Go back to the internet site and get the page. save it and print it out.

 

Then go to your telephone records and check the date and time you made your phone call to them canceling the booking and asking for a refund.

 

Then write a letter to them, reminding them of all that was said on the telephone and ask them again for a refund of your £85.

 

See what they say in writing.

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You see, I can't see anywhere that it says full payment also happened to be a non-refundable deposit. Don't mention that to them yet.

 

The key to this is to be able to establish:

 

a) that you made a phone call asking for a refund.

b) that you did not make a deposit of any sort, that you paid in full

c) that they did not advertise that information when you made the decision to book with them.

 

You can, then go to your local small claims court and ask them to decide.

 

But do this first, write a NICE letter, asking for your money back and reminding them that you have already asked them in your phone to them at xxx o'clock on the xxxx of never.

 

You understand that in that telephone call their position was that they don't make non-refundable deposit refunds - yeah, obviously!

 

But, since you didn't actually make a deposit and you did contact them more than 48 hours before the date you booked for, can you please have your money back.

 

Like I said, be nice.......

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