Jump to content
  • Tweets

  • Posts

    • 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..      
  • Our picks

    • 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/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • 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

Omg!!! What a mess help?????!!!!!!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3651 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have only just posted a previous thread on here about my washing machine and to add matters worse I have just been digging out my contract with Brighthouse to find that my TV has been sold to me at the NEW price when it says USED on the contract!!!! The TV was a display model but I was told they had no new ones and that the display one was in fact NEW but I thought it was strange that it didnt come with the original remote and had some scratches on the base of the tv which I did complain about to the store. With regards to the remote when I complained I was told I could buy one off the internet for £70 at my expense!!! And the straches they werent even bothered about. The thing is it took 3 weeks for them to deliver it and in that time i was paying for an item that was still sat in the shop window everytime i went into the store, I cant believe how stupid I have been havent a clue where to go from here?????

Share this post

Link to post
Share on other sites

Not sure where you stand on this one, as it would appear that you were aware of the scratches before purchasing the tv, but still went ahead with the purchase. I can't make out from your posting whether or not you knew about the lost remote at the time of purchase or whether it arrived without the remote when you thought it would arrive with one. If you had been expecting the tv to come with a remote control, then you may have been better refusing the tv on delivery as being faulty because by accepting it you could now be seen as being happy with it.


If I were you, I would contact your local trading standards (number easily available in the phone book or from the website for your local council) and ask them for their advice. Things might hinge on the difference between new and used on the contract, and whether or not you agreed to pay the full price. Also, it might be worth checking whether or not there is any clause in the contract (if it's worth the paper it's printed on that is) that allows for you to return the tv within a set time if you are unhappy with it. Again, I think trading standards might be a good place to start on that one.


Good luck. It is so very frustrating when you realise that you have been taken for a ride, so I really hope you manage to sort things out.

Share this post

Link to post
Share on other sites

I only saw the scratches when it was delivered

Share this post

Link to post
Share on other sites

Oh and with the remote it had the original when i saw it in the shop on display when i complained about it i was told it most probably got nicked cos it was on display!!!:-(

Share this post

Link to post
Share on other sites

It sounds like the seller has put 'used' on the contract to get round this, however have they put in writing anywhere that there were any faults/missing parts? I think you need to get onto the seller and explain that you want to refuse the goods as they are not in the condition that you were expecting. Like I said, I think a call to your local trading standards may be a good idea as they can help you clarify exactly where you stand. Also, you can use their information when contacting Brighthouse, who might be more inclined to listen if they know that you are aware of where you stand.


Just one small point that comes to mind... Can you actually use the tv without the remote? I know that my tv is almost impossible to use without the remote (can turn it on, but not off again without actually switching it off at the mains!) If you can't use your tv without the remote then it's no good and it should not have been sold to you.

Share this post

Link to post
Share on other sites

I was given a replacement remote a cheapo one but as I am paying full price and was told the TV was new so I want all the original accessories

Share this post

Link to post
Share on other sites

Hi. And welcome to CAG


It would appear to me that you are very unhappy with the service you have received from BrightHouse (taking your other thread into account as well.) But, to be honest, it's all because you are looking at things in the wrong way... And, to be even more honest, that's because BrightHouse don't explain how "things really are" in the right way to their customers..


You are not BUYING, nor have you been SOLD a TV from BrightHouse (or a washing machine for that matter), you are only HIRING (renting) them - with an option to purchase them when, and if, all (hire) payments are completed. Also, contrary to what you may have been told, you will only ever own the items if, at the end of the contract, you apply in writing (and within 30 days) to have “ownership” transferred to you. If you choose not to do this, then the items should be returned to BrightHouse. In all fairness, most branch managers don’t bother with transferring ownership, they simply write the goods off… But, they do not, at any time during your contract, belong to YOU.


So you see, that’s the long and short of it. And, once you get your head around THAT bit, BrightHouse suddenly becomes a lot easier to deal with…


As you are also purchasing BrightHouse Optional Service Cover (which, again, is NOT a policy owned by you, it is just simply a “pay-as-you-go” weekly service provided by BrightHouse), just cancel your contract(s) and have BrightHouse take the goods back. End of. (All payments you have made to date were nothing more than hire charges whilst the goods were on-hire to you.


Now then, having done that you could (if you wanted to) renegotiate NEW hire contracts on both a TV and a washing machine, but this time making sure you get the items you actually WANT. (Or, you could take your business elsewhere… There ARE other “rent to own” companies on the high street… all the same deal… all the same system…)


This, in my view, is the easiest and most straight forward way to solve your problems. (You could go down the road of involving Trading Standards and invoking the power of the Supply of Goods and Services (Implied Terms) Act 1973, but you’ll only end up at the same place.


Hope this helps





PS—why not have a good old read of our BrightHouse FACT SHEET here … It could have saved you lots of hassle...

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!


Please help to support this site with a small donation... every little helps...


CAG- The Nation's Weekly Info Store!


Share this post

Link to post
Share on other sites

Thankyou I understand what you are saying its just that I wish to own the products at the end of it and dont want old goods from the off set if you understand what i mean I have no problems with the payments I just want the right goods that I am paying for if I wanted refurbed goods then I would have signed up for that in the first place but as it goes I wanted them new from the start with regards to the goods could I just go back to the store and say come and collect them because with the TV i dont have the OSC??? Thanks

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...