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
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3284 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

Has anyone had any recent problems with Excell Parking Services ?

Hi to everyone,

Firstly, I would like to thank anyone in advance who can help me with some advice. I’m acting on behalf of my father but I may be unavailable to reply for a couple of days but at least my father will hopefully have a few replies to read in my absence.

 

I'm just in the process of fighting a so called “parking fine” with Excel on behalf of my father who has recently had heart surgery and has walking difficulties.

He entered the car park that is controlled by Excel parking services and parked in a parking bay. He simply got distracted by conversation and walked to a local shop. He then realised his error that he had not purchased a parking ticket and immediately walked back to the car park and duly paid for 2 hours of parking time. He then innocently continued with his shopping trip safe in the knowledge that he had paid. A week or so later he was shocked as he received a parking fine of £60.00, rising too £100 if it remains unpaid.

 

I contacted Excel to explain that my father has had recent heart surgery and suffers mobility problems and explained that he had paid his parking fee Excel wrote back saying that my father had been on the car park for 88 minutes out of his 2 hour period which Excel agreed in a written letter. The “fine” was issued for paying his parking fee just SEVEN MINUTES LATE !!!.

Apparently they allow you 10 minutes “goodwill” time in which to pay and collect a ticket. My fathers ''crime'' was to pay just SEVEN MINUTES LATE of their 10 minute goodwill allowance.

 

At no time has Excel lost any parking fee revenue as the fee was paid 17 minutes after parking and for 2 hours of which 88 minutes were used for parking. I will be fighting this all the way to court, if it ever goes that far.

I've written several letters in reply to Excel’s correspondence on behalf of my Dad to save my father any worry and stress but Excel will not let the matter go. I wrote a further letter to them explaining of the worry they are causing my parents. In the letter last letter to them I said that I would hold them personally responsible if my father was made ill due to his poor health , I was polite but firm and said that the TV and newspapers would love to hear a story like this. Their response was to ignore me completely and write DIRECTLY to my father with their threats of debt collection and court proceedings.

 

I can only consider that this a very unpleasant scare tactic, but my Mother is getting very concerned by the fact that they will not give up and thinks my father must pay the “parking fine”. I cannot afford for either of my parents to have unnecessary stress as my Mother had a pacemaker fitted last year.

Obviously given my parent’s ages and the fact that my father has had recent heart surgery, I am in the process of writing to them again giving clear instructions that ALL further correspondence must go through me.

Has anyone else had problems with Excel and please can you tell me where we legally stand.

 

Just to clarify, my father was photographed entering the car park. He then simply got distracted before going to pay and get his ticket which was 17 minutes after entering the car park. He then went innocently went about completing his shopping trip with my mother before returning to his car. He was photographed again leaving the car park 88 minutes after entering.

Excel have lost no parking fee revenue as my father had paid for 120 minutes, he used only 88 minutes of his parking allowance. At no time did his car leave the car park so this isn’t a case of not paying it is an argument that my Dad paid 17 minutes after entering the car park, his crime is that Excel give a 10 minutes allowance to buy a ticket. My Dad paid for his ticket 7 minutes later which means they are trying to charge him a colossal £8.57 for every minute that he was late paying. Talk about legalised highway robbery.

 

Look forward to hearing your advice.

 

All the best,

 

Nick.

Share this post


Link to post
Share on other sites

No need to fight, just ignore.

 

You've done far too much already. They're running a [problem]. They just send out threatening garbage and wait for people to send the cheques in.

 

Everybody knows Excel well and everyone knows to let them swivel.

 

The charge is unenforceable. All you have is an invoice which you should disregard. They'll give up after 5 or 6 bits of junkmail.

Share this post


Link to post
Share on other sites

Hi there. Relax and have a read around this forum regarding Excell. What you have is an unenforecable invoice and not a fine. Its just a mail based [problem] so feel safe to ignore. The photographic evidence is irrelevant also so dont worry about that. Be prepared for another 3-4 threatograms from Excel's DCAlink3.gif and 'Solicitor' (man on the next desk :wink:)- they will disappear after that :grin:


If you believe that this post has helped in any way please click on the star to the left

 

DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

Share this post


Link to post
Share on other sites

as the others said ignore the first letter is from the tea boy then the next letter is from the office cleaner and so on

Share this post


Link to post
Share on other sites

They will ignore all your letters unless they contain a cheque, they will especially ignore instructions like, 'all communication through me' etc. Don't waste your time. Tell your parents to pass their unopened junk mail to you and then you can ignore them on their behalf.

regards


Please remember our troops, fighting and dying in our name. God protect them.

Share this post


Link to post
Share on other sites

Thank you to all those who have replied, I will collect their future letters that they send to my Dad and ignore everything from now on. From what I see they are nothing more than a bunch of crooks, how the hell they can prey on vulnerable people is beyond me.

 

Thanks again,

 

Nick

Share this post


Link to post
Share on other sites

could it be by being scummy immoral money grubbers ?

Share this post


Link to post
Share on other sites

Nothing to worry about at all. You wil get the nasty letters then the threatening one from the solicitors and then it all stops. Just ignore and ignore some more.

Share this post


Link to post
Share on other sites

Thanks again to all those who have offered valuable advice. With your help my parents have agreed that this company is just using bully boy tactics in an attempt to gain payment. They have agreed to ignore all future letters from this company.

I will keep the forum updated as to what future threats are received from Excel so that our experience can hopefully help others in a similar situation.

 

Thanks again. All the best,

 

Nick

Share this post


Link to post
Share on other sites

Ive also got a parking fine from these cowboys, im not paying anything end of...

However if you just send the letters back unopened they cant do anything if youve not read it right?.... Just put on the letter wrong address or something to fu(k them up!!! HAHAHA:D

Share this post


Link to post
Share on other sites
Ive also got a parking fine from these cowboys, im not paying anything end of...

However if you just send the letters back unopened they cant do anything if youve not read it right?.... Just put on the letter wrong address or something to fu(k them up!!! HAHAHA:D

 

Please don't dignify this demand by calling it a "fine". It's not, it's an unenforceable invoice.

Share this post


Link to post
Share on other sites

Hello,

 

i've been ignorong the letters since I received a parking charge from them in december 2010, today a lady from Graham & White solicitors rang me today? She caught me off guard, wanted to come to an agreement with them, I told her to take me to court then, and put the phone down.

Has anyone else ever received a call from them?

Share this post


Link to post
Share on other sites

Hello there. If you have a read around the forum, you'll see plenty of people have heard from Graham White and Roxborough [spelling?, could be Roxburghe] debt collectors who are associated with them.

 

These people don't do court.

 

My best, HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites
Hello,

 

i've been ignorong the letters since I received a parking charge from them in december 2010,

 

Excellent.

 

today a lady

 

???????????:-o:-o:-o

 

from Graham & White solicitors

 

It's actually Graham White Solicitors, but in reality the moron on the next desk, Graham White is this forums pet joke.

 

rang me today? She caught me off guard, wanted to come to an agreement with them, I told her to take me to court then, and put the phone down.

 

Well done even though caught off guard responded excellently.

 

Has anyone else ever received a call from them?

 

Loads have, it's nothing special.

 

regards


Please remember our troops, fighting and dying in our name. God protect them.

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...