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

Big unsecured debts, bank charges, debt collector correspondence ..... where do I start?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3641 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

Hi everyone,


I've been scouring over the posts made in these forums for the last couple of days looking for advice on dealing with some fairly hefty personal unsecured debts. The advice has been quite different in different posts and hard to pull together so I'm hoping that I might be able to pull some direct answers in to a single post that might help a few people in a similar position to my own.


Just for a bit of background here is my situation:


I owe around £50000 to 6 creditors roughly shared equally between 5 of them, and the last one I owe £13000 to. I have been living outside of the UK for the last three years and have not yet informed my creditors I have returned (only been back a week). I am hoping to have my wife of five years and my young daughters join me in the UK in about 6 months. I really want to pay off my debts but some have them have increased substantially in the last four years but only through interest and charges. I only left the country originally to be with my wife and children after my wife was ill during her pregnancy in the UK and returned to her home country. I have received threatening letters from debt collectors from 4 of my creditors. I would prefer to sort out my debts myself without resorting to bankruptcy, IVA's or paid debt management.


Here are my thoughts and questions kind of mingled together:


1) Presumably the first step is getting a statutory credit report to find out who I owe debts to (it's unclear as to whether my debts have been sold) and sending a CCA request to each of the creditors as well as asking for a current balance? Also, is there anyway of keeping creditors or debt collectors off my back while I sort out this information?


2) I am currently unemployed though I'm hoping that situation will change in the next 4-5 months. If I were to send each of my creditors an offer of £5 a month until my situation has improved to repay more of my debt but my creditor refuses the offer what generally happens afterwards? If I ended up in court would the court actually appreciate that I have been trying to sort my debt out and resuming payments after my time out of the country?


3) Even though I'm in quite heavy debt is there anyway to get interest and charges from the last three years removed? My RBS overdraft had doubled to almost £5000 in this time.


4) Is there any pitfalls that might become me whilst trying to ask for information from creditors or sorting out my debts with them? For instance, I had only been back 5 days when RBS sent three debt collection letters to my correspondence address - something must have triggered it.


5) How do I find out who owns my debt now and are the creditors rights or my rights affected by the sale of them?


6) Is trying to deal with my own debts and making a reasonable offer to creditors futile these days? They only seem interested in making threats through debt collecting agencies or forcing people int IVA's and bankruptcy.


I really appreciate any advice that can be offered. Don't worry about making your answers politically correct or anything but please remember that I am trying to take responsibility for my debts though I do resent the charges applied to my accounts that have in some cases doubled what I owed at the beginning. It does seem that those of us trying to resolve our debt situations get more of a kicking than those of us that don't.


Thanks all. Oh, and if and advice is offered and useful to anyone please let me know what happened in your situation.....

Share this post

Link to post
Share on other sites

so how long ago would your last financial use of each debt be?


might some not be nearing the 6yrs statute barred state?


and how old are the cards [when did you take them out?]


might be an idea to CCA everyone [barring the bank a/c's]


to see WHO can legally demand money from you.


pers ...i'd get your CRA file first, before doing anything...



please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites
so how long ago would your last financial use of each debt be?


Now there is a good question, and quite honestly I'm not sure. There are at least two credit cards I haven't used since about 5-7 years ago but I have had communications of the obvious sort since then and plenty of charges/interest. I was under the impression though that this was only relevent if I hadn't received any communication from these companies over a six year period?


Getting the CRA's as I type......


Thank you for the advice.

Share this post

Link to post
Share on other sites



if YOU have not used them in/out


then they could well be statute barred..


6 yrs



please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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...