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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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surrounded81

Problem with a laptop bought on ebay - Windows 7 problem?

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Hi :)

 

I'd appreciate if anybody could give me some advice on my situation, as I'm not sure what course of action to take right now.

 

I bought a second hand laptop from a local seller who owns a mobile phone type shop, on ebay at the end of June. The laptop was listed as used but in excellent condition. The operating system was Windows Vista, but the listing said it could be updated to Windows 7. I contacted the seller and asked him would he be able to upgrade it for me, and he said yes.

 

So I won the auction, and went to collect the laptop. When I got there, I paid the auction end price in cash, and the seller asked for another £20 for the Windows upgrade, saying he mentioned that when I asked. I later re-read the messages and he hadn't mentioned a fee for the upgrade so I wish I had refused to pay that! He showed me the laptop working, and all seemed ok so I left.

 

The laptop seemed to work ok later that day, I used it a little and there were no problems with battery life. However the problems started the next day. I had charged the laptop up and took it out with me to use at uni, as I'd just moved house and haven't had internet set up until yesterday. I was using the laptop for about 10 minutes when suddenly the battery died. Plugged it in and started it back up, and there was a message on the battery life icon saying "Consider replacing your battery".

 

To cut a long story short, since then the problem has rapidly escalated. I now can't use the laptop for more than about 4 minutes with it unplugged. Having researched the symptoms on the internet, it appears to be a problem with Windows 7, see here: Windows 7 and the battery error "consider replacing your battery" (Part 10). From what I can gather, it's a fairly widespread problem which alot of people are having but which Microsoft are denying and don't appear to be releasing any fix for.

 

I've tried a few of the solutions mentioned on the official Microsoft forums, but nothing has so far worked (for example see my post at the bottom of this topic Battery) and I have emailed the suggested address on this topic "Consider Replacing Your Battery" message.

 

I don't know what to do. Buying a new battery wouldn't help as lots of users have reported their new battery suffering from the same problem within weeks. I contacted the seller through ebay as soon as I was aware of the problem, he has suggested I just stick to Vista and then there won't be a problem. I've replied saying that I upgraded to Win 7 due to his listing saying that the laptop could be upgraded, and that the problem has been there since I received the item from him. He hasn't replied yet. I'm awaiting a reply from Microsoft but I'm not holding my breath. And Acer who are the manufacturer haven't released any updates for this laptop since it was manufactured, plus I have no original proof of purchase and it's out of warranty.

 

I really don't know what to do. I'm £280 down and am left with a good spec laptop but one which may aswell be a desktop pc as I can't use it unplugged :(

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as the problems with windows 7 itself I dont see a claim against the seller going far unless you can prove he knew.

this sounds like a compatibility issue so going back to vista may be the most practical option (prefer xp myself) and stick with that until a fix is available for W7. not what you wanted but it makes the laptop useable.


I was told life was supposed to be one long learning curve.

Mines more a series of hairpin bends.

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Thanks :) It's annoying cos I love Windows 7 apart from this one issue.

 

I just find it disgusting that Microsoft have got this topic on their forums which is now stretching into "Part 10" but they are failing to address it, it seems they're just ignoring the hundreds if not thousands of users who have had their laptops become desktops just by upgrading their software. Infuriating :rolleyes:

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i second what big steve has stated.

as windows 7 is still in its infancy, i would scrub it and put another o/s on it. I'd second the XP route also.


[sIGPIC][/sIGPIC]

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it is possible to install 2 o/s on your computer. you could use W7 when pluged in to mains and vista/xp when on battery.

try www.computeractive.co.uk and go into their forums you should be able to get advice their on how to do it. they have a section dedicated to W7 and may all ready have a thread on this problem and how to fix it, if not start one.

 

hope this helps computer probs can be a real head ache


I was told life was supposed to be one long learning curve.

Mines more a series of hairpin bends.

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Thanks alot :) I have thought of dual booting but I haven't got a Vista or XP disc so that would be more money I'd have to spend to buy one, unless the ebay seller was willing to give me a copy of Vista. I'm downloading Ubuntu as we speak, I'm going to try booting in that and see if my battery lasts as long as it should when running that, fingers crossed!

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good luck


I was told life was supposed to be one long learning curve.

Mines more a series of hairpin bends.

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Upgrade Vista to Windows 7 for £20!!

 

I think it might be worth checking if the Windows 7 that your seller installed was a legal version as if it isn't you might well have problems with Microsoft eventually.

 

If it isn't an authorised copy then the Vista OS might also have been 'iffy' and might this in combination be the cause of your battery problems?

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The Windows 7 is geniune, he used an OEM license, I have checked that don't worry :p

 

The Vista that was on it previously is what it was bought with from new.

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he used an OEM license

 

I'm not an expert but I don't think that is good news!

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I agree with the posts here, I cant see how it can be the seller's responsibilty if it is a known Windows 7 problem.

 

It's not a problem I've come across in my job in IT Support, although a quick google does show that it certainly is a problem many other have encoutered.

 

I run Windows 7 on all my PC's and laptops and I'm more than happy with it, there are always fans of XP for some reason, although if I were you i wouldn't want to jump back 10 years in time to use an antiquated operating system.

 

If you really wanted to you could pick up a copy of vista cheaply and you can get XP for next to nothing these days.

 

Andy

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Thanks all. You got me worried about my copy of Win 7 so I ran the Windows Validation tool thing through their website and it came back saying it was genuine. Does that mean it's ok?

 

I was wondering, if I was to download Vista from somewhere but then use the license key that is on the sticker on the bottom of the laptop, would that work and is that legal? I have no idea.

 

To be honest I am trying to avoid going back to the seller's shop, although he has replied to me saying he's away now for a couple of months but when he gets back he will put Vista back on for me. Don't really want to stay plugged in for the next two months lol!

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You can check the validity of the Windows and clear up the battery problem by getting up to date with the updates.

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First, OEM versions of Windows 7 cannot be used as an upgrade. Its licence stipulates a clean install on a new computer... not an upgrade from Vista.

 

To your next question, EVEN if it passes WGA, it can at any time (on a whim of Microsoft) be deemed not to be kosher and be restricted (Black background, warning message & no OD updates). Have others who have complained used OEM OS's?

 

I'd be concerned.

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Sounds like a microsoft issue to me.

 

I also agree about the possibly dodgy windows. It could be an OEM version, it could have been a fresh load rather than an in-place upgrade. OEM doesn't neccessarily make it licenced.

 

Have you considered trying Ubuntu Linux as a second OS? You might prefer it to windows & ditch win7, solving any possible licence issues as well. You can even try it out on a memory stick.

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