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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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medievil2003

MBNA Credit Card and Arrears after paid balance in full

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Hey guys,

 

I paid my mbna credit card in full a few months back now, and i have only just received a letter to say my account is now in arrears and will be noted down as a missed payment on my credit file.

 

I telephoned them and they very simply stated this is the interest on your balance that was due before you paid the card off, i understand that and i made damn sure when i paid my card online and confirmed the payment over the telephone that this was the FINAL payment and no further payments will be neccessary after this payment is made...I even asked about the interest for next month and they told me thats covered.

 

The lady on the phone which i presume is the arrears collection department said it does not matter what they said, you are still in arrears.

 

I can't see how this is fair and i have not paid it yet, do you think i should pay it and then dispute it and possibly try and ask them to remove it from my credit file? For years now i have never missed a payment and this has really pis'd me off after i pay them all their money.

 

Any advice would be fantasic.

 

Thank you,

 

Mehdi

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Hi,

I would stick to written communication from now on.

 

I would put in a complaint explaining everything you have put above. You never know, they might just have a sudden flash of compassion:!:

 

If you can remember the dates of the payment and the phone call, it may help you to SAR them.

 

Would there be any late payment charges on this account?

 

Fox


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Hey guys,

 

I paid my mbna credit card in full a few months back now, and i have only just received a letter to say my account is now in arrears and will be noted down as a missed payment on my credit file.

 

I telephoned them and they very simply stated this is the interest on your balance that was due before you paid the card off, i understand that and i made damn sure when i paid my card online and confirmed the payment over the telephone that this was the FINAL payment and no further payments will be neccessary after this payment is made...I even asked about the interest for next month and they told me thats covered.

 

The lady on the phone which i presume is the arrears collection department said it does not matter what they said, you are still in arrears.

 

I can't see how this is fair and i have not paid it yet, do you think i should pay it and then dispute it and possibly try and ask them to remove it from my credit file? For years now i have never missed a payment and this has really pis'd me off after i pay them all their money.

 

Any advice would be fantasic.

 

Thank you,

 

Mehdi

 

Hi medievil2003,

 

Hmm not nice but only what we've come to expect from credit card companies... all of them put on the statements that the balance shown may not be the full outstanding amount as there will be interest for the period after the statement date to add. :-x

 

Normally when you phone and agree on a balance and pay it there and then or within 24hours the amount quoted IS the amount you have to pay and thats the end of it.

 

So the key point I think is how long after being told the balance you actually paid it off. Also I dont suppose you recorded the telephone conversation by any chance?

 

Phoning them will probably not get anywhere and you'll have no paper trail just in case you want to take it further so I wouldnt phone them again.

 

Number of options as I see it:-

 

a) You can write to them as a formal complaint and set out what was agreed and the dates of payment etc and request they sort it out.

 

b) You can add to a) That you will be happy to refer them to the FOS (which will cost them £450) when they give their final response

 

OR

 

c) You can add to a) You will take them to court and will claim damages to your credit file if they make ANY negative markers in relation to this.

 

Meanwhile if you dont pay you can expect them to mark your creditfile

 

S.


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hey, thanks for your fast replies. thats some good advice both of you.

 

ok, i think i shall be writing them a letter explaining everything. The late charges have already been added but the lady on the phone said - "as a good will gesture we will remove the £12 charge".... thanks? lol

 

I shall write with a formal complaint first, but unfortunately i cannot remember when i spoke to them because i also closed the account so they should have it on file exactly when i closed it. If i dont get any joy from them the next letter will be as you said i will refer them to the FOS.

 

So do you suggest i pay this arrears? im worried that if i pay it and i have already closed my account they will come back to me and say there is nothing else we can do as you have closed it.

 

Thanks again

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