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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.
       
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Can anybody please help, I am looking at a Screen shot from Equita which is at best vague. Can anybody share what information they have recieved from their screen shot so a comparison can be made. Mine has very little detail of visits and fees etc. somthing doesn`t seem right

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With out looking at it we wont know, can you scan it taking out any personal information

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I can try and get it scanned this evening, however the page looks like it has just been typed rather than a shot from a computerised system. There is no running balance of monies, for the first alleged visit there is no bailiff named, it merely states, "passed to bailiff" . There is no feedback from this other than the next coment , "passed to ~~~~ (bailiffs name)" . According to the screen shot it was passed to 4 bailiffs yet it was only on the 4th that a report was posted back from the bailiff. Other than the 1st visit all bailiffs are named. Only one bailiff has ever visited or left a hand delivered letter, which was the last bailiff who submitted a report.

 

There is also little information on fees. It states the £42.50 staturtory fee for the 1st bailiff ( 2 visits in 2 days) whom is not named yet when the 4th bailiff to be passed the account the bailiff fee had dramaticly increased yet there is absolutly no record of this on the Screen shot. I would have assumed that even if the fee had increased by mistake it should still be recorded on the screen shot somewhere hence my wondering if I do in fact have a genuine screen shot or just a typed up letter of sorts.

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This was posted by tomtubby (bailiff expert) it gives you an idea of what your screen shot should have on it

 

 

 

 

A Screen Shot is a VITAL document because it is the COMPUTER RECORD of you ENTIRE account and it will show the following:

Amount of Liability Order

Date received

Details of any telephone callslink3.gif made to to bailiff co.

Details of messages etc from the local authority

Brief description of your house (colour of door etc)

Name of any bailiff who has visited your home.

Details of whether a person was at home or not.

Details of any "levy" made on goods to include a number plate of vehicle.

Full details of charges put onto your account and by which bailiff.

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If there has been no levy on goods your bailiffs fees are 1st visit £24.50 2nd visit £18 these fees can only be charged if a certificated bailiff has made the visits

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So if there was a record of just "passed to Bailiff" and not a name and yet charges were applied then you would think something is not right ?

 

There is no mention of a description until the final visit. I would have thought as well that the fee demanded on the 4th visit would also be recorded but it is not.

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So if there was a record of just "passed to Bailiff" and not a name and yet charges were applied then you would think something is not right ?

defiantly something not right

There is no mention of a description until the final visit. I would have thought as well that the fee demanded on the 4th visit would also be recorded but it is not.

i would say your final visit is in fact your first fist

What fee was demanded on your 4th visit any fees charged should be on your screenshot

Is very common for bailiff to add 1st&2nd visit fees as soon as the account is passed over from the council

Its also common for for bailiff company's to get office staff to hand deliver these letters then charge the visit fee (not allowed)

If you have been charged a visit fee and there is no bailiffs name next to the fee then this would suggest to me that there was no bailiff visit or it was the office boy/girl that hand delivered any letters you have had

Bailiffs collecting council tax cant charge for letters sent through the post either

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Here is the screen shot.

Bailiff demanded additional £220 on 4th Visit. As can be seen full balance was settled direct to council prior to the account being passed to a named bailiff hence our concern. I would really like to compare this to another screen shot that may have more detail

….cont

Bailiff reference **********

Client reference: ********

Liability Order date: *******

Charged Property: *******

Council Debt: £****

23/06/09 Case issued to the bailiff for the first visit to levy distress

25/06/09 Address changed from: ******to Royal Mail PAF version.

Not able to find address or occupants on Electoral Roll:

Phone number changed from:

Debtor listed in phone directory:

30/06/09 Bailiff unable to make contact or confirm residence. (Fee: £24.50)

01/07/09 Case re-issued to the bailiff for a further attempt to levy distress (Fee: £18.00)

08/07/09 Bailiff unable to make contact with debtor left notice for defendant

15/07/09 Direct payment of £*** received. Remitted on 20/07/09.

as per email bailiff enquiries - David. pmt made 10/07/09

20/07/09 Notice issued to the defendant informing them of further action

23/07/09 Case issued to bailiff; Brian O'Shaughnessy to visit.

28/07/09 Chase letter sent

31/07/09 C/p called - ref to bailiff

05/08/09 Direct payment of £**** received. Remitted on 10/08/09.

as per Sarah

10/08/09 Chase letter sent

26/08/09 Chase letter sent

16/09/09 Chase letter sent

29/09/09 Chase letter sent

09/10/09 Chase letter sent

20/10/09 BALANCE letter sent.

03/11/09 Case issued to bailiff; &***** to visit.

30/11/09 Case put on hold for 45 days, until 14/01/2010.

03/12/09 REPORT *********

Additional notes. Attendance was at current address.

ADD NOTES - 07900917061

04/12/09 Correspondence Received & Scanned in on: 04/12/2009

08/12/09 E-mail received from the debtor req a breakdown. Manual breakdown sent.

E-mail received from c/p - req SAR and states has serious complaint

E-mail acknowledged advising will get reply within 10 days - i will reply

Correspondence Received & Scanned in on: 08/12/2009

Correspondence Received & Scanned in on: 08/12/2009

09/12/09 Correspondence Received & Scanned in on: 09/12/2009

10/12/09 Manual reply sent to c/p - req £10.00 for SAR - adv once him complaint is received,

we will reply in due course

Correspondence Received & Scanned in on: 10/12/2009

Duplicate corros received. Note file only.

14/12/09 Correspondence Received & Scanned in on: 14/12/2009

Further e-mail received from c/p - acknowledged

Further e-mail received form c/p - states a "screenshot" doesn't require a £10.00 fee

- gives us 14 days to comply

Cont….

….cont

15/12/09 Correspondence Received & Scanned in on: 15/12/2009

16/12/09 E-mail rec'd pass to KC

although this could be old.

17/12/09 Manual letter sent to c/p - adv £10.00 is still required in accordance with DPA -

enclosed b'down previously sent - adv any further enquiries they have we will be

happy to assist

Correspondence Received & Scanned in on: 17/12/2009

12/01/10 Further e-mail received from c/p's - states we have refused to provide them with a

b'down

19/01/10 Correspondence Received & Scanned in on: 19/01/2010

Correspondence Received & Scanned in on: 19/01/2010

Manual reply sent adv he previously asked for a screen shot - adv b'down previously

sent - gave bailiffs cert details

29/01/10 Correspondence Received & Scanned in on: 29/01/2010

REC'D SAR LETTER WITH £10 CHEQUE.

BOOKED INTO ACHEIVER

* Balance £42.50 *

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made it a little more reader friendly :)

Bailiff reference **********Client reference: ********

Liability Order date: *******

Charged Property: *******Council Debt: £****

23/06/09 Case issued to the bailiff for the first visit to levy distress

25/06/09 Address changed from: ****** to Royal Mail PAF version.

Not able to find address or occupants on Electoral Roll:

Phone number changed from:

Debtor listed in phone directory:

30/06/09 Bailiff unable to make contact or confirm residence. (Fee: £24.50)

01/07/09 Case re-issued to the bailiff for a further attempt to levy distress (Fee: £18.00)

08/07/09 Bailiff unable to make contact with debtor left notice for defendant

15/07/09 Direct payment of £*** received. Remitted on 20/07/09.

as per email bailiff enquiries - David. pmt made 10/07/09[/font]

20/07/09 Notice issued to the defendant informing them of further action 23/07/09 Case issued to bailiff; Brian O'Shaughnessy to visit.

28/07/09 Chase letter sent

31/07/09 C/p called - ref to bailiff

05/08/09 Direct payment of £**** received. Remitted on 10/08/09.

as per Sarah

10/08/09 Chase letter sent

26/08/09 Chase letter sent16/09/09 Chase letter sent

29/09/09 Chase letter sent

09/10/09 Chase letter sent

20/10/09 BALANCE letter sent.

30/11/09 Case put on hold for 45 days, until 14/01/2010.

03/12/09 REPORT *********

Additional notes. Attendance was at current address.

ADD NOTES - 07900917061

04/12/09 Correspondence Received & Scanned in on: 04/12/2009

08/12/09 E-mail received from the debtor req a breakdown. Manual breakdown sent

E-mail received from c/p - req SAR and states has serious complaint

E-mail acknowledged advising will get reply within 10 days - i will reply

 

Correspondence Received & Scanned in on: 08/12/2009

Correspondence Received & Scanned in on: 08/12/2009

09/12/09 Correspondence Received & Scanned in on: 09/12/2009

10/12/09 Manual reply sent to c/p - req £10.00 for SAR - adv once him complaint is received, we will reply in due course

Correspondence Received & Scanned in on: 10/12/2009 Duplicate corros received. Note file only.

14/12/09 Correspondence Received & Scanned in on: 14/12/2009 Further e-mail received from c/p - acknowledged[ Further e-mail received form c/p - states a "screenshot" doesn't require a £10.00 feegives us 14 days to comply

15/12/09 Correspondence Received & Scanned in on: 15/12/20091

6/12/09 E-mail rec'd pass to KC although this could be old.

17/12/09 Manual letter sent to c/p - adv £10.00 is still required in accordance with DPA - enclosed b'down previously sent - adv any further enquiries they have we will be happy to assist

Correspondence Received & Scanned in on: 17/12/2009

12/01/10 Further e-mail received from c/p's - states we have refused to provide them with a b'down

19/01/10

Correspondence Received & Scanned in on: 19/01/2010

Correspondence Received & Scanned in on: 19/01/2010

Manual reply sent adv he previously asked for a screen shot - adv b'down previously sent - gave bailiffs cert details

29/01/10

Correspondence Received & Scanned in on: 29/01/2010 REC'D SAR LETTER WITH £10 CHEQUE. BOOKED INTO ACHEIVER* Balance £42.50 *

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made it a little more reader friendly :)

 

Most bailiff companies use the same software for their Screen Shots. Equita's one is deifferent.

 

The above however IS a Screen Shot.

 

It would appear that Equita have applied an "enforcment fee" to your account. The statutory regualations do not provide for such a fee and in reality it is really an "attending to remove" fee.

 

HOWEVER, this fee CANNOT be charged UNLESS a bailiff has PREVIOUSLY been to your property and Levied upon goods.

 

The Screen Shot does not confirm if a levy has been made on goods.

 

Questions need to be asked and if a levy has NOT been made BEFORE the Enforcement fee then the enforcement fee and any "levy" fee MUST be removed.

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