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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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    • 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/
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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
billy_79

Mail order item not arrived

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I ordered a cd from a website (eil.com) at the beginning of June. The cd had an 'expected delivery' date of about 7-10 days from when I placed the order (it didn't say whether the item was in stock or not). That date came and went, each time I've since logged into their website to check the status of my order, the expected delivery date has been put back. So it's over 10 weeks since I ordered, and theres no sign of my purchase actually arriving.

 

I've just contacted them to request that they make delivery by the current 'expected delivery date' of 18th August, and asked that if they cannot fulfil the order by then, that I would like to cancel for a refund.

 

Normally, I wouldn't have any concern, as I'd be covered by credit card protection. But I paid for this purchase using their Paypal option (even though the funds came from my credit card via Paypal). I guess that means I'm not eligible for cc protection, and it's only possible to start a Paypal dispute within 45 days of payment, which has now long gone.

 

I still want the item, but I don't want to wait forever! What are my rights if the supplier doesn't fulfil or refund as requested? Do I have any comeback against Paypal (I've had bad experiences with them as a seller)? I'm guessing the credit card company won't be interested as their transaction was with Paypal?

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Have you tried phoning the supplier? 10 weeks + is a ridiculous waiting time, so you have a strong case to demand a refund direct from them. An option may be to call, cancel the order and request an immediate refund, then (once the refund has gone through), reorder (from a different supplier).

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What was the value of the purchase?

 

Just confirm it was a 'Credit Card' and not a 'Debit Card' ? The term credit card is used generically some times.

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What was the value of the purchase?

 

Just confirm it was a 'Credit Card' and not a 'Debit Card' ? The term credit card is used generically some times.

 

Value was just over £20, and it was definitely credit card (but via Paypal).

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It would be PP you would have to complain to, but if over their time limit, this still does not mean you've lost out - the supplier has to supply OR provide a refund, so enquire directly with them, askinbg for the goods to be supplied in (say) 14 days, otherwise you require a full refund. If they don't, then you can raise an action against them for the repayment.

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You should also state with the 14 days, that you are 'making time of the essence'.

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They've just replied to my email to say that they won't be able to meet the latest delivery date, and they aren't even hinting at any realistic date. They have offered me a credit against an alternative item, but there isn't anything else I would like. They haven't offered me a refund, am I entitled to one?

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Open a dispute with Paypal.
This won't work if the time limit has passed. However the issue is with the supplier - you do not have to accept a credit note if they do not provide the goods, a full refund is required.

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I sent another email back on the 18th August requesting a refund, but received no reply. Sent another one today.

 

So how do I go about requesting a refund via Paypal, as it's well past their 45 day dispute period?

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You ask them to refund your PayPal account.

 

If you mean how can you force PayPal to refund you without the cooperation of the seller, you cannot after the 45 day limit.

 

If the firm refuses to refund, you need to raise a small claim against them after sending a LBA.

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I asked on the 18th August for a refund to my Paypal account, and again today. So my only further option is a letter before action and small claims?

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Yes - Best to send it by Recorded Delivery, referring to your 18/8 letter that had no response. If they don;t redpond to the RD. you've a paper trail to show the court that you've got nowhere by asking nicely. Keep a copy and the RD receipt.

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