Jump to content
  • Tweets

  • Posts

    • 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..      
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • 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
lasertung

Arnold Clark--are they avin a larf or what?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3568 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Several folks on this site have complain about defects on cars bought from Clark. The gist o the moans are that Clarks canny or winnae sort the faults.

Ma China is in this group, and got a letter frae Clark. On the foot o the letter it showed that a firm called GTG training is owned by Clarks.

 

Google GTG training and WET yourself.

 

If Clarks mechanics canny sort these cars, it disnae say much for the training firm, dis it.

The chap thats hivin all the bother wae MAZDA cars posted that he went to Watchdog the day. He also took a divit o letters from other CAG members to show Watchdog all the problems that folk are havin with these blasted DPF's and FAP's on many cars nowadays, which are costin an arm and a leg tae service. It pointed out thit the unsuspectin public are buying these motors without kenning what the long term costs are.

 

If Mr. Craig happens to read this, I can thoroughly recommend some bedtime readin for him and awe the heid bummers in Arnold Clark's.

It's a new document fae the OFT stating awe the rules and regulations for car dealers. Aye big and sma. They should study this document and put the contents intae practice, paying particular attention to section 7, 7.1

Section 6 of the CPR's is also worth a good read.

Wid readin this pit them aff their sleep?:rolleyes:

Share this post


Link to post
Share on other sites

Wid readin this pit them aff their sleep?:rolleyes:

 

I doubt it. Most of the posters on CAG are English so I would guess AC would expect posts to be in English too so they won't be expecting to need a tanslator! :p

Share this post


Link to post
Share on other sites

So if it was in "real English" Crem a Scottish firm would understand that?

 

Reminds me of a tale I heard about the Foreign and Commenwealth office where they sent a congratulations message in Welsh to the new Welsh Parliament who duely returned it asking for it to be sent in English!!!:D

Share this post


Link to post
Share on other sites
Guest Arnold Clark Company Rep

Lasertung, thank you for your post, we are in posession of the OFT document having obtained this on the day of release. We are in the process of ensuring all Managers receive a copy.

 

Regards

 

Alasdair

Share this post


Link to post
Share on other sites

Sorry Crem. Forgot to add that translation into English available at extra cost!!!!!!!!!!!!!!!!!(AC tactics?) My next post will be in my native DORIC!

Topic heading was in English----perhaps London area?

Share this post


Link to post
Share on other sites

Nahhhhhhhh. Gawd blimy. Ain't the smoke mate. got "are they" on top. No what I mean!

Share this post


Link to post
Share on other sites
Lasertung, thank you for your post, we are in posession of the OFT document having obtained this on the day of release. We are in the process of ensuring all Managers receive a copy.

 

Regards

 

Alasdair

 

Aye, Have nae doubt that all the managers will get a copy, ------BUT, WILL the RULES BE IMPLEMENTED IN FULL?????????

Share this post


Link to post
Share on other sites
Lasertung, thank you for your post, we are in posession of the OFT document having obtained this on the day of release. We are in the process of ensuring all Managers receive a copy.

 

Regards

 

Alasdair

 

What Alas "dan Dare" (I think we should nick name him this) forgets is that this is nothing NEW!!!

 

It's just a reiteration of current consumer regulation updated.

 

So what he implies is that "Arsehole Clark" as it is allegedly known, didn't know about the regulations in the first place! Consequently the company feels it important to roll out an OFT document that they claim to comply with anyway. And this is a company that get's awards for customer service???

 

What a faux pax!

 

Perhaps Dan Dare, has been trained by the AC training company?

Share this post


Link to post
Share on other sites

Fit i was really trying to get at Heliosuk wis what will ACAL's reaction be to these new or regurgitated regs.

Will they negotiate with OFT to get the rules watered down?

Will they move the middle finger in an upwards direction at the OFT, and say we are so big that these rules don't apply to us?

Or as I suspect, will the brains (wide boys?) in ACAL work very hard to find loopholes in the regs. that they will milk to their ain advantage?

Time will tell.

Share this post


Link to post
Share on other sites

Heliosuk, I don't quite understand why you say that Mr. Craig be given a nick name of "Dan Dare". I for one are not receiving any entertainment or amusment from the gentleman.

In fact, since pressing him to inform me when my car is to be properly tested, he has stopped replying to emails.

Furthermore, when trying to get information from AC personnel on details of replacement cars available, all goes the usual "Quiet". Can't even get a rough estimate of cash required to exchange cars. This task, i understand is to be undertaken by two or more of AC employees.?????

To give Mr. Craig the benefit of the doubt, perhaps he is not at work just now for a variety of reasons.

Since you know of the background to this sorry saga Heliosuk, you will be aware that the proceeds of a house sale can buy a Lot of Publicity.

Share this post


Link to post
Share on other sites

But he was a "Super Hero" saving the world (read, consumer here) from the evil Martian Empire (read, Arsehole Clark).

Dan Dare rhymes with Alasdair.........."aving a laugh" .........gedditt?

 

Seriously though, Mr Craig comes on here on behalf of AC saying he is willing to help and then e mails he will do this and that but he never follows through does he?

 

Ok giving him the benefit of the doubt he wants to help but if he going to do the talk so to speak then he needs to do the walk which on evidence so far he can't.

 

The problem you have scania is that you have made it quite clear what the situation is and what is needed to resolve it but they won't budge I reckon, because they 1: Don't understand the issue 2: Have incompetent management that don't know what to do as they are in a corner and 3: Rely on a bunch of "merchant bankers in Slough" who have no understanding of the problem whatsoever.

 

It's an easy problem to solve one way or another. Do the tests that I have suggested and that will prove categorically one way or another if there is an issue and they (AC) should pay for it.

 

Why they don't want to do this is beyond me unless they have something to hide, which I think is the case, and probaly explains why they and the Slough connection won't release the full info.

 

If I was in AC's position and I was certain what we had done was right then I'd present you with the results and say that's the end of it .........but they won't will they.

 

Unbelievable really.

 

I wouldn't waste any money on publicity. I think there is enough on here for the time being hence Dan Dare occasionally picking up on stuff he obviously gets out of his depth with.

Share this post


Link to post
Share on other sites

Well, I suppose that just about sums it up Heliosuk. But it is interesting to note that it was after the large article in the Sunday Post (ac using guys van), that Mr. Craig started on this particular website.

Surely, no company can go on indefinately when adverse publicity abounds.

The penny appears not to have dropped with the Clark organisation, that I now have the time and money to keep this complaint going indefinately.

I would prefer not to use the term A-s-le Clark, as other posters have used terms such as Arnold Shark or Al Capone, which may be seen as more appropriate, don't you think?

Edited by scaniaman

Share this post


Link to post
Share on other sites

If you Google 'Arnold Clark problem', you get 134,000 hits and there really are some horror stories like I have never read before about any company never mind car sales.

Share this post


Link to post
Share on other sites

Must join that site and make it 134,001 LOL.

I know that the AC complaints site goes back several years, which begs the question "Why are the authorities not doing something about them?"

Realistically, I think that only Joe Public can sort these people out by not being so vulnerable and buying elsewhere.

Share this post


Link to post
Share on other sites

Time to bring this out of the cellar and back into the sunlight

Share this post


Link to post
Share on other sites
Lasertung, thank you for your post, we are in posession of the OFT document having obtained this on the day of release. We are in the process of ensuring all Managers receive a copy.

 

Regards

 

 

Well Ali, It wis fower months ago that you got the OFT report, yet nithin has changed in the wye your people treat punters. Only twa wicks bye I wis witness to another case whaur a punter wis bumped on fit should hae been a warranty claim, bit in the interests of safety the punter pied up jist tae mak the motor tempory safe but certainly no richt. Efterhind i met up wi this punter and left ma contact number, sayin that if they hid an unexplained accident I wid staund up in coort an testify that the fault had been registered but no action taken by the clark dealership involved even although the car wis still under six months fae purchase. Jist be reminded Ali that the great Arnold Clark comes as much under SOGA rules as the wee chancer whoe sells a haundful o cars by the road side.

Share this post


Link to post
Share on other sites

Does that come with a translation?

Share this post


Link to post
Share on other sites

See post5. I'm having a big enough struggle trying to learn Polish just now never mind english. LOL LOL

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...