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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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    • 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

Asda on line shopping

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Hi Asda have offered me £10 compensation although i paid for a delivery of £5.50 and an evoucher which I asked not to be given as I no longer want to shop there.


The complaint consisted as under the sales and goods and services act s.13/s.14:



  • delivery was around 6 hours late
  • products missing an damaged
  • because we were waiting in couldn't go out to source food from another supermarket as still waiting for the arrival of Asda.
  • frustration and inconvenience as couldn't take lil one out as waiting for delivery, outside the time they were suppose to arrive.

Is it unreasonable for me to want more than a £10, which is really £4.50 as I still had to pay for delivery?


Any advice on next move??

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They dont tend to value such things. Most I got for similar scenario was 10.00 as well.


Did you ring the store directly to chase the delivery, or did they ring you and give a reason? If they didnt ring at least thats disgusting.


In any case best to shop with your feet if unhappy. You see I have had at least 6 issues in last 18months or so since they deliver to my area, they just accept it happened and offer to refund delivery on next order and if pushed on one occasion 10.00.


They are always asking us to fill in the online service feedback form, on one occassion I got a call back when ticked unhappy to basically everything that time, I still got a good apology but only delivery cost and to be honest I was happy enough with that. Fresh food looked like it had done a ten round heavy weight fight so bruised and bakery goods crushed.


Didnt use them for some weeks and get the we miss you emails, yuk, next gave me discount on shop, that worked so back with them. Dont know about you I always have to watch I dont overshop online, so easy to do with virtual trolley xx

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On the one occassion they were seriously late the van had broke down. They did ring and ask to deliver it some hours later and I said no, we got a taxi to tesco that day. The idea of the food sat for hours although probably rescued quick put me off it.

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I'm taking it further,total breach of contract, plus I had to use my phone to call them, pay as you go now nil credit.

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Don't think £10 is sufficient. I've just had my own experience of Asda's incompetent service. I live in France for much of the year, and shop on-line. My order comes in via a very good carrier service. Asda delivers in one day and it arrives with me here the next. Anyway this time I'd ordered £195 or stuff, as I stock up on pet food (expensive here) as well as other things. My order arrived via the carrier and the Asda delivery note stated there were 5 boxes, which I received, one with frozen, one with chilled, 2 with pet food, one with some car products and cold stuff. However there was no sign whatsoever of £42.00 worth of grocery products. The grocery products were the first thing on the delivery note and all were missing. I called customer services as I wanted a quick response ha. ha. First adviser put the phone down on me when I said it was regarding missing items, the second adviser simply offered me a full refund of the missing items without argument. But I actually want them. The second adviser told me his supervisor wouldn't let him ring me in France, I said that was ok because I wanted an email as I needed to let the carrier know when the items would be delivered into the depot. Asda informed me that they had to deliver missing items within 24 hours. It's now mid-day here and I've sent yet another email requesting delivery information, as I feel they've had enough time to sort this out. Up to now no response.


I've asked them for a full refund of the delivery charge, also costs of my phone call, and recompense for the inconvenience this has caused, because even though they apparently will redeliver (and I'm not holding my breath!), it will still take a few days for me to get the goods, and I will have to shop here.


They apparently have franchised all sorts of bits of Asda out to private companies, so nill responsibility then. Disgusting, after this Tesco here I come.


I would add, if I haven't bored you all to death so far, that the Carrier informed me when this happened that many customers of Asda had the same issues as I have but Tesco never misses anything. Thanks for your patience, and if I were you on the £10 refund, take it higher. If I can find out who is actually running the show, and I'm better placed than some to do this, I'll post it and the address to write to. Thanks again.

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