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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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mobeyone

Personel injury claim - advice needed please

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All,

 

My parents were involved in an RTA a couple of years ago Rear ended on a bridge all on cctv.

 

The car was a modified van which took the impact well bar some scracthes and teh bumper coming loose. Exchanged details and went away.

 

contacted the insurance company who then informed the solictios who then contacted my dad to open an injury claim. They did have some back pain as they were jolted and bearing in mind they were in a van. They were told no win no fee... My dad told them that damage was minimal bumper was loose and they said no problem forms sent out and medical carried out.

 

The third party then disputed liability saying that no accident happened despite my dad having a piece of paper from the third party with all relevant details. My dad then started to recieve threatning letters from the solicitors asking for information regarding the accident and that he would be pursued for costs as the third party were not admitting liability. umerous phone calls and letters then nothing.

 

He is now in reciept of a letter stating that third party has admitted liability and that they are now saying that the third party rolled into him causing no damage... bearing on mind he was on a hill... and that due to this there is no injury and no settlement to be made.

 

My dads solicitors are now forcing him to take a conference call and to speak to a counsel to establish wether or not a claim can be made in court and are threatning him with legal costs if he does not instruct to go to court.. my dad said from the start as above but they took the case on knowing that there was minimal impact and are now looking to shaft my dad with llegal costs from both sides.

 

Can anyone give any advise on this? or what he can do from here? and clearly... there is no such thing as no win no fee..

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All,

 

My parents were involved in an RTA a couple of years ago Rear ended on a bridge all on cctv.

 

The car was a modified van which took the impact well bar some scracthes and teh bumper coming loose. Exchanged details and went away.

 

contacted the insurance company who then informed the solictios who then contacted my dad to open an injury claim. They did have some back pain as they were jolted and bearing in mind they were in a van. They were told no win no fee... My dad told them that damage was minimal bumper was loose and they said no problem forms sent out and medical carried out.

 

The third party then disputed liability saying that no accident happened despite my dad having a piece of paper from the third party with all relevant details. My dad then started to recieve threatning letters from the solicitors asking for information regarding the accident and that he would be pursued for costs as the third party were not admitting liability. umerous phone calls and letters then nothing.

 

He is now in reciept of a letter stating that third party has admitted liability and that they are now saying that the third party rolled into him causing no damage... bearing on mind he was on a hill... and that due to this there is no injury and no settlement to be made.

 

My dads solicitors are now forcing him to take a conference call and to speak to a counsel to establish wether or not a claim can be made in court and are threatning him with legal costs if he does not instruct to go to court.. my dad said from the start as above but they took the case on knowing that there was minimal impact and are now looking to shaft my dad with llegal costs from both sides.

 

Can anyone give any advise on this? or what he can do from here? and clearly... there is no such thing as no win no fee..

 

If you instruct a solicitor (& you have by lodging a claim) its essential that you cooperate with them as only by cooperating will they be paid by the otherside (assuming you win) & if you don't they can require their client (your parent) to pay their costs to date

 

Also there's a 3 year limitation on such claims & there's nowt worse than clients who won't help themselves They waste so much time time which could go to helping those who want & mostly need the help

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I understand that but given the details as above that were given at the time, the solicitor is clearly now making steps to make my dad responsible and seek money from him as the third party is both changing thier stories and now statig that there is no claim as they claim there was very little impact

 

The car in question has now also been sold. The solicitor i question where very keen from the word go to logde the claim and it was them who guided and advised him on what to do.

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I'm sorry but your father MUST have given his consent for them to continue AND when you 1st give details further question usually arise sometimes many months later & a solicitor will expect their client (your parent) to cooperate if they don't they can be asked to pay any fees plus disbursements up to the date of their last activity

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I'm sorry but your father MUST have given his consent for them to continue AND when you 1st give details further question usually arise sometimes many months later & a solicitor will expect their client (your parent) to cooperate if they don't they can be asked to pay any fees plus disbursements up to the date of their last activity

 

Thats the thing, they did not.

 

My father told them from the word go and they within a month or so had him sent off for a medical. He did not hear anything until nearly a year after he started to get these letters advising of a problem with liability and the fact that the driver was claiming he had not hit my father.

 

At no point did the solicitor before the medical get in touch with him asking for further details about the accident. they rail roaded the claim with minimal corrospondance.

 

He has now changed his story to him rolling into my fathers car bearing in mind that this was on a hill with cctv footage available.

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He went for the medical yet he didn't instruct them! Then he shouldn't have gone for the medical should he as the medical will have cost something & if a consultant approx £1,000 The point I'm making is that if he acted as if he was going ahead the solicitor would have concluded that he intending pursuing a claim The problem is that as you admit he ignored their letters & now they are demanding his cooperation as a last resort before deciding on their next course of action which may include charging your father. I strongly recommend that he cooperate & 'willingly' take part in the conference in order to put the matter to rest for all concerned

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All,

 

My parents were involved in an RTA a couple of years ago Rear ended on a bridge all on cctv.

 

The car was a modified van which took the impact well bar some scracthes and teh bumper coming loose. Exchanged details and went away.

 

contacted the insurance company who then informed the solictios who then contacted my dad to open an injury claim. They did have some back pain as they were jolted and bearing in mind they were in a van. They were told no win no fee... My dad told them that damage was minimal bumper was loose and they said no problem forms sent out and medical carried out.

 

The third party then disputed liability saying that no accident happened despite my dad having a piece of paper from the third party with all relevant details. My dad then started to recieve threatning letters from the solicitors asking for information regarding the accident and that he would be pursued for costs as the third party were not admitting liability. umerous phone calls and letters then nothing.

 

He is now in reciept of a letter stating that third party has admitted liability and that they are now saying that the third party rolled into him causing no damage... bearing on mind he was on a hill... and that due to this there is no injury and no settlement to be made.

 

My dads solicitors are now forcing him to take a conference call and to speak to a counsel to establish wether or not a claim can be made in court and are threatning him with legal costs if he does not instruct to go to court.. my dad said from the start as above but they took the case on knowing that there was minimal impact and are now looking to shaft my dad with llegal costs from both sides.

 

Can anyone give any advise on this? or what he can do from here? and clearly... there is no such thing as no win no fee..

 

 

What is the issue with a conference with a barrister? Do you not think the term "forcing" is a bit extreme? It is a fairly routine thing to do before a trial and if your father is not local then it will be done over the telephone. All that will happen is the Barrister will go through the facts of the claim and ask your father questions relating to it and he just needs to tell the truth. It's done to see how well he would stand up as a witness in court as it will be his word against the Defendant and the judge will have to decide based on the oral evidence (and medical report etc).

 

What did the medical report say? Did it confirm that he had suffered an injury? If it did then there is nothing to worry about.

 

Your father really needs to start co-operating as under the terms of the CFA he will be liable for costs if he doesn't. Remember the solicitors have to act in his best interests, it will be no win no fee if your father co-operates!

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Quite!

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