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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.
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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.
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      • 16 replies

Agents insisting we use their contractors for carpet cleaning

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Dont know if anyone can help, basically my cousin just moved out of a flat, and the agency isnt happy they didnt use there instructed contractors and they want to reclean the carpets.


Can they insist you use there contractors?


Excahange of emails below, may explain more.







From: Tenant

Sent: 07 July 2010

To: Letting Agents

Dear Letting Agent:


Many thanks for the attached Checkout Report.


With reference to the table (p.6):


Room /Item

Pet addendum

Description – Repairs/Dilapidations

Tenant had a dog and had signed a pet addendum. At end of tenancy he has had the carpets professionally steam clean and de infested and invoice has been provided. However this was meant to be carried out by contractors instructed b y the agent, as worded in the addendum. Landlord please advise if your require further de infestation to be carried out as a precaution?


TT – as a precautionary measure the carpets will be re-treated for fleas as have no guarantee with outside contractors


Room /Item


Description – Repairs/Dilapidations

Salad draw in fridge had cracks to bottom at start of tenancy and is now in two half’s, see photo. Window roller blind had a control cord at start to raise and lower it, this is now missing, see photo.



We agree the roller-blind control cord is missing and should be replaced.


Unfortunately we do not agree with the following:


1.Pet Addendum - The Contractor we used found no evidence of flea infestation; however as a precautionary measure and as a gesture of goodwill we paid for the carpet treatment anyway.

2.Pet Addendum - We did not receive a copy of the Pet Addendum and were not aware of an approved list of contractors as mentioned above.

3.Kitchen - The fact the salad drawer was cracked when we moved in and then broke (in daily-usage over the course of a year) would suggest it’s attributable to fair wear and tear as it simply wore out due to the previous damage.


Hopefully we can reach a compromise on the issues above. Please be assured we took great care and attention in getting the property ready for the next tenant and – whilst we fully understand you have to charge for broken or missing items, the items above do seem unfair given the circumstances. This is compounded by the fact that, due to lino being fitted incorrectly after we moved in, we have already to gift our washing machine to the Landlord and now have to purchase a new one.


Finally, can I state that reason we moved were the damp and dangerous plugs in the living room, these were reported several times to Property Management since Christmas 2010 and nothing was done, these are captured in the Checkout Report images and we sincerely hope they will be repaired for the next tenant(s).


I look forward to your response.









From: Letting Agent

Sent: 06 July 2010 16:23

To: Tenant


Subject: Correspondence from Letting Agent


Dear Tenants





The inventory checkout has been completed at the above property and the findings of the Inventory Clerk are contained within the attached Checkout Report.


All items identified as being your responsibility in accordance with the terms of the Tenancy Agreement, will be charged to your Tenancy Deposit and the balance, if any, will be refunded directly into the bank account you have nominated.


If you intend to dispute or disagree with any of the issues raised in the Report then the following action should be taken:


1.Inform us immediately of your intentions.

2.Any undisputed sums will be refunded to you in accordance with the requirements of The Dispute Service.

3.If a satisfactory resolution cannot be reached You must instigate a dispute with The Dispute Service, their contact details are:

The Dispute Service, P O Box 1255 Hemel Hempstead, Hertfordshire HP1 9GN

Tel: 0845 226 7837, Fax: 01442 253193, Email: deposits@tds.gb.com

. The disputed sums will continue to be held by us as Stakeholder pending instruction from The Dispute Service to send the monies to them for adjudication.

4. The Dispute Service will only adjudicate on a dispute within a maximum period of 180 days from the end of the Tenancy.


The Tenancy Deposit is held by us as Stakeholder and protected by The Dispute Service.


Please do not hesitate to contact me if you have any further queries on 01273 744880 or city.pmd@leaders.co.uk.


Yours sincerely




Letting Agent

Encl. Check out report

Edited by danielson81

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