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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.
       
      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
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My father was driving his disabled friend to the hospital for a visit and gave my father his disabled driving permit. However my father did not know how this should be displayed and placed it in the window with just the disabled part showing. He later received a parking ticket in the post which states

' Contravention 40 Parked in a designated disabled persons parking place without displaying a valid disaped persons badge in the prescribed manner'.

 

Can he appeal this as £60 or £120 is alot for the disabled person to pay?

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Was this parking ticket issued by the council or by a private parking company? If the latter then he can ignore it as the blue-badge scheme does not apply in private car-parks.

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No, it was issued by Lambeth Council.

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then he has to pay

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only of the PCN has no flawss, the traffic order has no applicable flaw, if the signage is lawful, if the NTO is compliant, if any NoR is compliant. Why do people jump the gun in the absence of all the relevant facts ? we post here to help people. well some of us do.

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You have nothing to lose by making informal reps before the end of the discount period.


********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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I used my BB in a friends car, and because his dashboard ledge on the passenger side is so narrow, it fell off whilst I was away from the car.

 

I immediately wrote to my local council, [stafford], giving badge details, and they cancelled it - as they should, of course, I had displayed a valid badge, as required, and it had fallen off whilst not within my control.


All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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I used my BB in a friends car, and because his dashboard ledge on the passenger side is so narrow, it fell off whilst I was away from the car.

 

I immediately wrote to my local council, [stafford], giving badge details, and they cancelled it - as they should, of course, I had displayed a valid badge, as required, and it had fallen off whilst not within my control.

 

The badge needs to be displayed the entire time its parked whilst the Council can as they did in your case use discretion and cancel they are not obliged to.

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Can he appeal this as £60 or £120 is alot for the disabled person to pay?

 

Why then is he making his friend pay, it was his car he is liable why is he asking his disabled friend to pay his ticket?

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I am utterly confused.

 

If I am in someone else's car, and they are therefore using my blue badge, I would actually be the one to display my blue badge. At the very least, I would be present and be able to explain how to use it.

 

How come the disabled person, whose blue badge it is, was unable to do this in this case?

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I am utterly confused.

 

If I am in someone else's car, and they are therefore using my blue badge, I would actually be the one to display my blue badge. At the very least, I would be present and be able to explain how to use it.

 

How come the disabled person, whose blue badge it is, was unable to do this in this case?

 

This is what I was thinking as well. when I take my dear old mom out in my car, she is the one who places her badge on the dash. If the driver placed it incorrectly resulting in the ticket then surely it is the driver's responsibility?

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my scales at the bottom of my profile window on the left if you found my advice usefull.


Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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It is not difficult to figure out the answer to the prior questions.

 

These people are friends and the disabled person likely feels bad that his friend who was doing him a favour got caught out.

 

How friends fix these things between them has nothing to do with liability under the law.


********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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It is not difficult to figure out the answer to the prior questions.

 

These people are friends and the disabled person likely feels bad that his friend who was doing him a favour got caught out.

 

How friends fix these things between them has nothing to do with liability under the law.

 

 

I was not discussing liability, more whether the disabled person was present at the time.

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I was not discussing liability, more whether the disabled person was present at the time.

 

My father was driving his disabled friend to the hospital for a visit and gave my father his disabled driving permit.

 

Bit difficult to see how he could not be present when being driven and handing over the permit.


********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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In which case, my original question still stands - how come the owner of the badge did not know how to use it properly?

 

Many years ago, I used to give a blind friend of mine lifts (boy, were his directions interesting). Anyway, it was his badge, he would hand it to me when I parked the car, but he would tell me what to do with it, what to set, which way up, where I could park, etc.

 

I actually had a real go at one of our parking wardens a few days ago, he was ticketing a car with a blue badge displayed the wrong way up - and he told me that he does it because in his experience disabled people know how to use their badges, so he issues the PCN to stop abuse, if the blue badge is displayed wrongly it is usually because the person it was issued to is not in the car (he said). He also said that if the owner of the badge wrote in, and it turned out to be their car, or they had some evidence of them being there at the time, the fine would be lifted by the council.

 

I apologised for chewing him up.

 

I accept that not all councils will be the same, of course, but if the OPs Dad sends in evidence of the friends hospital appointment, and a reason why the friend could not explain how to use the blue badge, the PCN is likely to be lifted, the reason why PCNs are issued in that situation is to stop abuse.

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Very simple my wife is disabled but when we go anywhere and use her badge I am the one that puts the badge on display, it takes my wife all her time to get in and out of the car also the only place you can display it safely in my car is drivers side.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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It was my father's first time taking his friend on his appointment and the first time using the badge. His friend was issued with a new badge and may have thought that he knew how to use it. My father put the badge on the dashboard with only the disabled logo showing not a time or anything as you are meant to. His friend did not know this. My father uses his own car as he has taken over the responsibility from his friends daughter who now works and my father has recently retired.

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