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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.
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jonas87uk

Letter from customer compliance team

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Hi I've been on ESA for several months now and today I received a letter from the jobcentre's customer compliance team.

Any idea what this is all about?

 

Here is what the letter says.

 

 

 

Invitation to office interview

 

Dear Sir

 

We need to see you in order to discuss a query that has arisen concerning your claim to benefit. It is essential that you make yourself available as to not do so may affect your benefit.

 

Would you please attend yadayada

 

To avoid unnecassary delay, please bring this letter with you and show it to the receiption immediately on your arrival. Please ask for Mrs smith. Please arrive at the office prompty as it may be difficult to fit in another appointment if you are later.

If you cannot keep this appointkment please contact me as soon as possible to arrange a mutually convenient appointment.

 

Things we need to see

 

Proof of ID such as

- passport

- driving license

- utility bills

- Rent agreements

- Bank statements etc (bearing your name)

 

Evidence to support your claim to benefits -

 

Bank statements

 

 

So it looks like they only want a bank statement from me. Any idea what they want? I read somewhere that these are to investigate fraud :shock: I'm sure I haven't done anything wrong unless I made a mistake somewhere. :eek:

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I assume your ESA claim is income related, and not based on contributions? I ask because it appears that they want to know about your income/capital. They are part of fraud but lower level fraud.

 

Any income which you haven't declared?

Any savings above £6000?

 

If the answers are no to both, and your bank statements reflect this, then they've been given duff information from somewhere. Did they specify what period the bank statements must cover?


My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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I assume your ESA claim is income related, and not based on contributions? I ask because it appears that they want to know about your income/capital. They are part of fraud but lower level fraud.

 

Any income which you haven't declared?

Any savings above £6000?

 

If the answers are no to both, and your bank statements reflect this, then they've been given duff information from somewhere. Did they specify what period the bank statements must cover?

 

 

I checked my savings and they're nearing £6000 not quite there yet (unless I have money I don't know about) O.o

I thought if your savings go past £6000 it means your money is just reduced a little? I'm sure no one has given duff information as only my family know I'm on ESA. The letter just says bank states but no date is given..

 

Thanks for your help

 

What if my savings are slightly past £6000 does that mean they're going to lock me up? :shock: If I have passed the £6000 it must be recent.

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If you go over £6000, you should declare this and they will reduce your claim accordingly.

 

It's reduced by £1 per week for every £250 (or part of £250) that you have in savings between £6000 and £16000.

 

It's strange that they haven't specified for what period they want the bank statements. I would say just a routine compliance check but those types of checks don't usually advise that a "query has arisen". This normally means that they have information from somewhere to indicate that you might not be entitled to some or all of the benefit.

 

As all they have requested is your bank statement, I can't see it relating to anything other than income/capital. I wonder if they have issued the wrong template letter.


My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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If you go over £6000, you should declare this and they will reduce your claim accordingly.

 

It's reduced by £1 per week for every £250 (or part of £250) that you have in savings between £6000 and £16000.

 

It's strange that they haven't specified for what period they want the bank statements. I would say just a routine compliance check but those types of checks don't usually advise that a "query has arisen". This normally means that they have information from somewhere to indicate that you might not be entitled to some or all of the benefit.

 

As all they have requested is your bank statement, I can't see it relating to anything other than income/capital. I wonder if they have issued the wrong template letter.

 

I just found out that my grandparents gave me premium bonds and I had no idea that I had them because I was a kid at the time.. -.- l Maybe that is the problem because they're considered savings? I don't even know how to withdraw the premium bonds as I said my grandparents and parents set it up and neglected to tell me -.- It's only £100 but it could be causing the trouble.

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