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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/
      • 11 replies
    • 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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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
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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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i will soon need to insure my daughter on her first car & was wondering if there were any pointers or things to watch out for

 

i know youre not allowed to 'front' a policy by having the child as a named driver if they are actually the main driver .......but does having a parent as a named driver on the policy make any difference...think i read somewhere it could bring cost down?

 

should i just do a comparison website check

 

or use a broker?

 

and what about excesses? keep high or low

 

and 3rd party fire & theft or fully comp

 

was hoping some of you may have already been through this process & know the best way

 

thanks :)

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Just insured my son for his first car and did it with the same company as me as they offered a discount for a second car in the household. It was also cheaper to have me as a named driver. They will probably insist on a high excess (around £500) but oddly fully comp was either the same as, or possibly cheaper than TPF&T.

 

I had already had him on my insurance with direct line as they let named drivers have a no claims discount, but they aren't that cheap anyway.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The insurance industry is all about risk... they gamble that the policy premium money they collect from everyone will be more than the money they have to pay out to people who collect from their policies. Insurance companies spend a lot of time and money analysing the claims that are made against their policies so they weight the premiums in favour of the lowest claim demographic in the male/female/age/marital status etc categories they analyse to formulate the basic premiums they charge.

 

These are what you should find on the insurance search sites, each companies assessment of the basic risks you have told them about in the pages you fill in there.

 

On top of these base premiums you can reduce or increase the actual premium you pay by altering the risk the company is taking.... for instance increasing the excess (the first bit of any claim that you pay for) should decrease the premium but it will mean you will have a bigger bill if there is an accident. Third party insurance should also reduce the premium but this actually means your only insuring for damage or injury to other people not for anything that happens to your car and I suspect a lot of companies dont like this type of insurance with younger drivers... would explain Caro's comment on TPFT.

 

Just like gambling its all reliant on assessment of the risk you want the insurance company to take.... how lucky do you feel? :)

 

pete

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Although my son's car is insured fully comp, the reality is that it's probably worth less than the excess so he wouldn't get anything for it.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks for your replies ...will see what they come up with on the different variants then

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:wave:

 

 

The best thing about comparison websites is you can get different quotes from alot of companies.

When I search for insurance I try at least 3 websites.

My daughter always has a quote from the broker she uses , :juggle: then inputs info on comparison websites then phones broker to tell them what they comparison website quote is, broker returns with a better offer which she the accepts. :thumb:

 

She gets a lower quote with me as a named driver.

 

In your own case you might want to check multicar insurance companies as well

 

:dizzy:

 

as caro said depends what the difference is between fully comp and TPFT.

 

 

:-)

 

 

dk


:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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Don't forget companies like Direct Line and Aviva aren't on any comparison sites.

 

Cashback sites might be worth a peek too, but clear your cookies if you use a company whose site you've already visited.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks DK.....i see youre liking the smilies!!

 

i think ill be busy sufing tomorrow then!

 

how do i do that caro? & what do cookies do

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:wave:

 

Don't forget companies like Direct Line and Aviva aren't on any comparison sites.

 

Cashback sites might be worth a peek too, but clear your cookies if you use a company whose site you've already visited.

 

 

 

Caro I do not think mutlticar companies on comparison sites either.

 

 

:-)

 

 

dk

 

Yes pinkduchess I do like the smilies


:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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Guest Jason King

Tell your daughter to buy her own policy in her name where she earns her own NCB. She will thank you for it in a few short years.

 

Yes it will cost but only for the first couple of years and even this can be trimmed by buying a sensible car (ie a small engine) for her capabilities, where I assume she is inexperienced on the road.

 

The NCB she builds up will instill a sound discipline to driving and if she is now, say 17, by age 20 she will have very affordable insurance in her own right.

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The best deal I got was with Admiral for my son. There's the young persons loading which I believe all policies will have until you're 25, in his case £150, + £100 excess so in total £250 to pay in the event of an accident. Quite low I think. We are all in a multiple policy and your protected no claims is not affected if anyone in the policy has an accident, as each person is treated individually. If you pay for the full year instead of monthly direct debit there is a substantial reduction in the premium. Just recently needed them to sort something and the after service is efficient and highly professional, such a refreshing change to many customer services. I love Admiral!

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Regardless of circumstances. ecar always seem to come out on top when it comes to car insurance.


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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I will see if they give a cheaper quote for my son out of interest. When my son was 18 cheapest quote he got was £1600, not Admiral at that time. Most quoted IRO 3k+ well he's a young male!

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didnt get round to looking today but will take all your comments into consideration when i look...tomorrow hopfully....thanks all :)

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Also consider that price comparison sites make money from your data, and are commonly very sneaky about getting you to consent to 3rd party marketting... read the small print and tick boxes carefully (some are tick to opt out, some are tick to opt in, and commonly next to each other LOL!)


If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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