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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.
       
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      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.
       
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      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.
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      • 16 replies
selinajayne

what is bos suppose to look like

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i just recieved my bos and it has a court stamp on it dated the same day as i got the loan it has no signitures

it has a solicitors address my name nad nine regions

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where do they actually get it stamped at

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where do they actually get it stamped at

 

 

Hi selinajayne. they can only get stamped at the supreme court. and having the same date as the date you took the loan out is not right. it has to go to a solicitors first then to the supreme court. were did you go to take the loan out ???

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i met the man at the local cheque exchange shop but it was shut so we did all the paperwork in the car

the solicitors is an hour away and london is a good 2 hours away

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i met the man at the local cheque exchange shop but it was shut so we did all the paperwork in the car

the solicitors is an hour away and london is a good 2 hours away

 

 

so when did you get the money ???

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when we did the paper work

i met him the 12 dec 2008 did the paperwork and got the money all the same time

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when we did the paper work

i met him the 12 dec 2008 did the paperwork and got the money all the same time

 

 

Hi selinajayne. just reading your other posts. you say your loan is now paid off with just costs to pay..... there is no point doing anything with your bos now. your charges are not on a bos they are attached to you CA a bill of sale is done on amount and if that is paid it is finnished. charges can not be added to a bill of sale but can be added to your CA so you need to find out how much is owed in charges. (remember they have the same APR as the loan)

 

but just for info lbl CAN NOT do loans in a car or a house they are only licenced to do loans at places that has a credit licence i.e cash convertors/ mobile money / as these places are your witness

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yes i have paid it off and they want their charges now

they are asking for charges on phone calls they never made, i thought if my bos wasnt valid i could just refuse to pay the charges

the charges have had no interest put on

do you think i could go along the lines of it not being witnessed

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yes i have paid it off and they want their charges now

they are asking for charges on phone calls they never made, i thought if my bos wasnt valid i could just refuse to pay the charges

the charges have had no interest put on

do you think i could go along the lines of it not being witnessed

 

 

who ever told you your charges do not have the same APR are giving you crap. (read lbl terms) and you have a CA and if i was you i would make your payment though a solicitor just so it is documented you have paid the final amount.

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nope definately no interest on it

i have the charges all listed and the total for final payment to be made next month

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nope definately no interest on it

i have the charges all listed and the total for final payment to be made next month

 

 

 

selinajayne. please please take this as a warning. do not trust lbl at all. if you want to be free of lbl. get a solicitor to look at what you think is the final payment and have them also contact lbl for there final payment figure. this will cover you.

 

 

another lbl case (same as you)

 

final payment £147 they thought it was over 1 month later another bill charges for late payments / phone calls / letters total £800. they took the car under the bill of sale 8 days later.

 

please protect yourself on your final payment GET IT IN RIGHTING

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this letter says final amount payable £200 and its for all the charges

the most of it is right im just disputing the phone calls

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this letter says final amount payable £200 and its for all the charges

the most of it is right im just disputing the phone calls

 

 

i can only give advice................

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do you think once i have paid this amount they will send me another bill

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do you think once i have paid this amount they will send me another bill

 

 

Oh yes, they want you to keep paying, regardless, Do as CCTV has suggested and go see a SoL, I will tell you this, the charges can be challanged-they are usally charged at £25 a throw and letters at £40-49 a throw, Go See a SOL....

 

trooepr68


Trooper68:)

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