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
Consumer dude

Supermarket question

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3635 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 often hear the alarm going off in our local supermarket as customers leave.The security would then approach the customer and the customer shows the receipt. Is there any obligation for the customer to cooperate with any request for any confirmation any goods have been paid for ?

Share this post


Link to post
Share on other sites

As far as Im aware, no.

When asked if your goods can be checked you can simply say no and walk on. There is nothing they can do.

 

I believe circumstances change when you have been observed being up to no good.

 

If you use the store a lot it might save you hassle in the future to sort it out instead of walking away and getting a name for yourself.


Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

Share this post


Link to post
Share on other sites

There has to be an arrestable offence been committed for a civilian (ie not a police officer) for a detention to be made. So if there was no offence but merely a mistake eg tag not removed after purchase then they have no power.

Share this post


Link to post
Share on other sites
As far as Im aware, no.

When asked if your goods can be checked you can simply say no and walk on. There is nothing they can do.

 

I believe circumstances change when you have been observed being up to no good.

 

If you use the store a lot it might save you hassle in the future to sort it out instead of walking away and getting a name for yourself.

 

 

 

 

Point taken when you have been observed up to no good but the idea of being stopped because there security set up is sensitive to what ever and other customers watching well they should sort that out..

Share this post


Link to post
Share on other sites
There has to be an arrestable offence been committed for a civilian (ie not a police officer) for a detention to be made. So if there was no offence but merely a mistake eg tag not removed after purchase then they have no power.

 

 

So you could infact walk away if no evidence is fortcoming and a stern word to the customer services department that you are not to be approached in this way again without there being a criminal suspision beyond reasonable doubt..

Share this post


Link to post
Share on other sites

have you got an experience you want to tell us about???????

Share this post


Link to post
Share on other sites
have you got an experience you want to tell us about???????

 

 

 

 

No experience but just wondering what I would do. I guess most people would just play ball to keep the peace, but it would be interesting if one just walks away because you would know they would have no business to detain you..

Share this post


Link to post
Share on other sites

it would certainly mark you out for future surveillance that's for sure.

Share this post


Link to post
Share on other sites
it would certainly mark you out for future surveillance that's for sure.

 

 

 

 

Me watching them watching me, now that would be fun, lol..

Share this post


Link to post
Share on other sites

Very interesting thread. A friend of mine who is 100% deaf was leaving a well known high street chain one day at the same time as an apparantly well known shoplifter. They were not together and have no connection, the shoplifter apparantly does this so that when the alarm goes off there is a chance the store detectives may pick on the wrong customer.

 

Anyway, as my friend went thorugh and the alarm went off the store detective said 'hang on there a moment'. or something similar. Of course my friend did not hear anything and then spotted his bus at the stop 50yds or so away and made a run for the bus. He was tackled to the ground by a plain clothes store detective. Of course my friend thought he was being mugged. There was by chance a police car passing and they stopped to assist. He was taken back into the store and a member of staff in the store recognised my friend and explained that he is deaf. His bag was still searched. The receipt was found and he was sent on his way with the words 'don't run next time' or similar by the police attempting some sort of sign language.

 

I advised him to sue the security for assault, but he found it funny and it went no further.

Share this post


Link to post
Share on other sites

Your deaf friend really should have. How very tolerant of him. If a Police Officer makes an unlawful arrest he could be investigated for a criminal offence, if the Custody Officer then goes on to detain that person in a cell the sergeant is in bigger trouble. I was told once how much that costs in compensation something like £150 per minute, and that was years ago. How long ago did this happen?

Share this post


Link to post
Share on other sites

He was not arrested, simply asked to go back into the store. Of course had he refused he probably would have been arrested. He is a very nice guy and very tolerant. He saw the funny side. I didn't. He has been back many times since. It happend about 4 or 5 years ago.

Share this post


Link to post
Share on other sites

He was 'arrested' not by the officer but the store detective. The very fact that he was unable to freely move where he wanted to go meant that he was detained.

 

What should have happened is that the officer should have explained, in writing if need be, that he was detained unlawfully and actually assaulted, albeit a common assault, and did he want to take any action. The officer treated the store detective as if he was a police officer who would have had a lawful power of arrest in those circumstances. An apology would have been necessary especially by the store detective and the store. He was treated appallingly in my view by both. It says more about the goodness of your friend than the actions of these two and the store.

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...