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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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      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.
       
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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Gupsy

Redundancy - Unfair Dismissal

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I received an email from my immediate manager inviting me to a meeting at our head office, where HR would be present. When I queried the agenda for the meeting I was informed it was a 'catch-up and nothing to worry about'. At the meeting my immediate manager and HR told me that I was at risk of redundancy.

 

This was the first I had heard about any redundancies happening within the organisation. Having read up on redundancy, the 3 step process was not followed, in that I did not receive a written letter beforehand from the employer setting out that there was a potential reudndancy situation. They gave me a letter at the meeting.

 

Furthermore, I was given only 7 hours notice before having to attend the meeting, and I was not given the right to be accompanied to this meeting.

 

I had submitted a reqest to work flexibly 3 weeks before the meeting and I believe this was one of the reasons for their decision. they had previously rejected my request, and all the reasons set out in the original rejection no longer applied.

 

At the meeting they went on to advise that there were no suitable positions within the organisation and that if I left sooner, I would receive more of a redundancy payout. I felt so rushed into a decision, and feel i was forced into leaving 3 days after the initial meeting.

 

Please help me.

 

Gupsy

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They gave me a letter at the meeting.

What did that letter say?

I felt so rushed into a decision, and feel i was forced into leaving 3 days after the initial meeting.

How did your employment end?

Did you resign/ sign an agreement/ what happened?

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Need to know more about what you signed and what was in the letter.

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Hi,

 

Within the the letter they thanked me for attending the meeting. They said they had placed my role at risk of redundancy. They would be going through a 30 days consultation, etc

 

My employment ended in that after the meeting, I was informed I could work from home the following day to get my head around what had happened. When I returned to the office the day after working from home, no one in the team spoke to me all day (including my managers. they did not even ask me how I was , etc). My managers then took my colleagues in meetings to explain to them about my situation (I am not fully aware of what they were told) but a few of them approached me to say that they 'knew of my situation'. I felt they had breached my data protection in releasing information without my knowledge or without even inviting me to the meeting(s). I felt extremely alone, and as no one spoke to me all day, I decided to leave sooner rather than later.

 

I never actually signed anything.

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How many others havce the same role as yours within the organisation? What were the reasons given for your position being 'at risk'? What other opportunities were discussed whereby you might remain in work?

 

Your position cannot be made redundant until the end of the consultation period. That is the reason for having consultation, so that all alternatives may be explored. It is hard to claim any breach of data protection, but it certainly adds weight to any complaint that the redundancy was prejudiced prior to the completion of the consultation period. These things are never straightforward, as much depends on the nature of the redundancy and what was actually discussed at the meeting.

 

Strangely enough when I was made redundant I was invited to a catch up meeting at head office, but at least I knew that the writing was on the wall so wasn't surprised.


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Thanks for your responses.

 

There were 3 of us doing very similar roles. I was the only one selected for redundancy. When I raised my grievances, they basically told me the others were doing very different roles, which according to their CV (which a friend passed onto me) show we were all doing similar roles.

 

They told me that the role of team leader was not required anymore, and this role would essentially be managed by my manager. I accepted this, but I was not happy with the manner in which they completed the entire process.

 

During my only meeting (which I was unprepared for) they infomred me of an admin role, which they said they did not think I would be interested in. They sent me a vacancies list, which was essentially blank as they did not have any roles.

 

During the grievance they said that they did not mention my situation to others, and the reason why management did not speak with me when I returned to the office was because it was one of their busiest days, despite telling me that they were not busy, which is why my role was coming to an end.

 

There have been so many contradidctions in the entire process, which are further backed-up by their down grievance outcomes - where 1 document contradicts the other.

 

Gupsy

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