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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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Response received from Apex following CCA request - what next?

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Following advice from here, I sent CCA request to Apex Credit Management who bought by CC debt from Egg over a year ago - up until recently I was just paying them without question.

 

They replied to my CCa request as follows (sorry cant scan letter on):

 

"We confirm we have referred this account to Egg for them to provide a copy of your agreemtn under CCA 1974, to enable us to deal with your queries"

 

"We have placed your account on hold and you will not receive any further contact from us until we have the received documents from EGG"

 

"We will continue to chase Egg, but would like to manage your expectations by explaining that we are limited on the number of requests we are able to send".

 

My question is - what do I do next - it seems to me that they dont have copy of CCA and unlikley to get it. Are they saying I should stop paying them until they respond further or that I should continue paying them and they just wont give me updates until the CCA is received from Egg??

 

Should I just issue the next account in default letter advising I will not be paying, they responded to my CCA request in 3 days so they do still have time within the 12 +2 days situation. Should I wait till then and then send the 2nd letter??

 

Thanks for any pointers/assistance

 

M

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You can stop paying whilst the account is on hold. It's your call and depends on what end game you are playing. Personally I always stop paying in this situation but will resume token payments if they find a CCA.

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Thanks for the advice, can I maybe suggest to them we write off the o/s debt - I have paid them close to £1k since November last year and if they cant provide CCA I didnt need to pay them at all??

 

On basis that they have bought the debt for a small figure and I have paid approx 11% of the o/s debt to them they probably made out of it anyway??

 

Anyone had similar experience. I am very nervous about stopping paying but my financial state is getting worse and this extra part would really help. I am very conscious of repaying every penny of what I owe but I do blame my creditors a lot for letting me have more credit without me asking and when I had no real way of repaying it!

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If they don't have a CCA you still owe the money but it can't be enforced in court. If the CCA doesn't turn up it's not unknown AFAIK for them to give up but they may sell the debt on or continue hounding you. At that point you may want to try a low full and final settlement offer if you can afford it and if your goal is to get all debts dealt with. If that's not your goal, or if they produce a valid CCA, I personally would be looking to make small monthly payments while looking in the longer term to get a settlement at a big discount.

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My goal is to get all debts settled as soon as possible. I have been paying 6 credits reduced DMP payments for close to 4 years now and its getting harder as my personal circumstances worsen - so I am going to need to reduce payments to them all soon. However since joing this group I have more faith in dealing with it properly and got some excellent advise - I'm hoping that as Egg sold my then debt at around £7k to Apex I have since paid close to £1k to Apex they may eventually expect something nominal as a Full and Final offer. Any ideas of what % they may accept?? Are we looking at 20-40%? Or less?. I guess Apex really paid pence for the debt - I have heard mabe as low as 1% of o/s balance, any truth in that?

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