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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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    • 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/
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    • 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/
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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
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Hi everyone,

So finally I have decided that I need to do something with my debts, I constantly have letters comming in telling me they're goin to take me to court? I just hide the letters thinking they will go away. Of course they're not goin to. I'm sure I have almost 10,000£ worth of debt and continuing as there is charges and interest. Does anyone have any links to templates letters for me to send to them

reguardig reducing the amount that I can pay as I am

up to my neck in debt? I've always made sure that my mortgage has been paid as I couldn't lose my house not with my two kids.

 

My debs are

Halifax loan £7500 over 7 years, only £2000 paid off, £156 a month

loan £5000 over 5 years £4000 paid over 1 year to go.

Vodaphone-£500

capital one- started off at £100 limit now at £500 because of charges.

DFS - £2000 two years still to pay.

 

I've buried my head in the sand for too long, I haven't paid a creditor in 6 months bar my mortgage, really need some help and I would rather do this myself than go to a company.

 

Many thanks

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Hi There are some really excellent cagger's on here that will help you so you will get help and soon. Sounds like you have already started to cope as you have prioritised your most important debt ie your mortgage. Have you read any of the other threads to give you an idea of what you need to do? This link is one that I think gives a great boost to others http://www.consumeractiongroup.co.uk/forum/showthread.php?263744-We-have-so-much-debt-it-seems-only-hope-is-selling-house!. Hope it works out.

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Hi Introuble1110,

 

As on your concerns involves an account with us I'd like to take a closer look at things to see what we could do to help you here.

 

To allow to access your account could you email the details across to us by following the details in our pinned thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems ?

 

Once you've sent it you'll receive an automated reply with a reference number. Could you update the thread with this so we can make sure it reaches us and we'll get back to you as soon as we can?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

 

 

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Hi Introuble,

If you deal Lee for the Vodafone issue separately, the rest of us can help with the rest

 

Attached to this link are some letters you could use to write to your creditors

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?20758

 

As to any charges you have paid. If you send the relevant creditor a SAR, they should send you all your statements where you will be able to work out exactly how much you have paid and then reclaim them with interest. I will hunt out a SAR template as my links are broken

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Forgot to mention, for the Vodafone problem, it would be better to start a separate thread in the telecoms forum

 

Here is a letter you could use for the sar(you will have to edit it accordingly)

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**&p=2283969&viewfull=1#post2283969


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi

That is abs brilliant, many thanks for the letter's I will get these all created and posted off.

 

Hi Lee

TBH, this vodaphone account is form many years ago and TBH I cannot remmber which address it is from but I want to get my name cleared and so I will complete this later on, as I am in work!

Many Thanks

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Hi Introuble1110,

 

Thanks for coming back to me.

 

When you send the email just provide as much information as you can at the moment.

 

If you've received letters from any DCA's these will usually have a reference number which will correspond with an account at our end just quote this as well and I'll do my best to track this down.

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Introuble, may I just add that before you go e-mailing Vodaphone Rep and getting the clock starting again, can you please try and remember if it is 6 years or more since you made payment? If it is, then the alleged debt would be statute-barred, and by contacting Lee, you could start the clock ticking again by acknowledging it, so be very careful in what you say or do. ;-)

 

Could you please start a thread for EACH of the issues you're facing, so we don't get all confused in the advice, and in each of them, can you please name the companies which have been hounding you, as I suspect a few of them if not all may be DCAs with no power to collect unless you let them, but we need to know more.

 

Re: mortgage, that is the ONE thing you MUST NOT stop to pay, even if it means all the others can go hang, but again, give us a few more details in a separate thread.

 

If you're not sure of what to write, just call each thread: "Introuble v [creditor]", then give the relevant info on each threads, and keep to each thread thereafter to update and read advice, a bit like your own personal diary for each event. ;-)

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Do many people have problems with Vodafone? What are the typical problems?


This is how I reached debt elimination

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Introuble, may I just add that before you go e-mailing Vodaphone Rep and getting the clock starting again, can you please try and remember if it is 6 years or more since you made payment? If it is, then the alleged debt would be statute-barred, and by contacting Lee, you could start the clock ticking again by acknowledging it, so be very careful in what you say or do. ;-)

 

Could you please start a thread for EACH of the issues you're facing, so we don't get all confused in the advice, and in each of them, can you please name the companies which have been hounding you, as I suspect a few of them if not all may be DCAs with no power to collect unless you let them, but we need to know more.

 

Re: mortgage, that is the ONE thing you MUST NOT stop to pay, even if it means all the others can go hang, but again, give us a few more details in a separate thread.

 

If you're not sure of what to write, just call each thread: "Introuble v [creditor]", then give the relevant info on each threads, and keep to each thread thereafter to update and read advice, a bit like your own personal diary for each event. ;-)

 

Hi Bookworm,

 

From my understanding of The Limitation Act 1980 once six years from the date on which recovery proceedings commenced has expired regardless of whether the debt has been acknowledged or payment has been made towards it.

 

I will of course double check this to make sure and should I have misunderstood anything I'll come back to correct any incorrect information.

 

Do many people have problems with Vodafone? What are the typical problems?

 

Hi Good Finder,

 

Should you need any assistance with a Vodafone related matter you're welcome to get in touch with the Web Relations Team by following the steps in our pinned thread in the Telecoms section here http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems

 

In the event that you do email us you'll receive an automated reply with a reference and to make sure it reaches us could you update me with this and I'll get back to you as soon as I can.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Hi Bookworm,

 

From my understanding of The Limitation Act 1980 once six years from the date on which recovery proceedings commenced has expired regardless of whether the debt has been acknowledged or payment has been made towards it.

 

I will of course double check this to make sure and should I have misunderstood anything I'll come back to correct any incorrect information.

I'll save you the trouble :-):

 

http://www.insolvencyhelpline.co.uk/debt_factsheets/liability_for_debts_and_the_limitation_act.php

 

You can argue that the creditor is out of time or “statute barred” from taking you to court for this debt:

if

The creditor has not already obtained a judgment against you

and

You, or any one else owing the money (on a debt in joint names) have not made a payment on the debt during the last six years

and

You have not written to the creditor admitting you owe the debt during the last six years.

HTH. :-)

 

In the above case, if your company didn't obtain a CCJ against the OP, and the OP neither paid any money or acknowledge the alleged debt pver the last 6 years, then the alleged debt is statute-barred and shouldn't be pursued, full stop.

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Have you read any of the other threads to give you an idea of what you need to do? This link is one that I think gives a great boost to others http://www.consumeractiongroup.co.uk/forum/showthread.php?263744-We-have-so-much-debt-it-seems-only-hope-is-selling-house!. Hope it works out.

 

I hope the info in my thread helps, the peeps have been great with their advice and help. :)

Edited by wilchil64

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