Jump to content
  • Tweets

  • Posts

    • 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..      
  • Our picks

    • 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/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • 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
wittsend

OH lloyds tsb visa card

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3328 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all, can I just thank you for the entertainment you have given to me since I found this site a few years ago, wish I had found it sooner.

 

 

 

Can any one tell me how many times a visa account can be "closed" (twice) defalted,(3times) even though we were paying the agreed reduced payment, restated, threatened with court action for none payment, even though we have a letter stating they will accept reduced payments, put on a "contractually binding agreement"? and be told to pay the full amount , OR ELSE!!!, before my head explodes

 

this has been going on since 2002.

 

any help?? x

Share this post


Link to post
Share on other sites

have you cca'ed these jokers?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Going off tomorrow, to Lloyds

Share this post


Link to post
Share on other sites

Any charges you could re-claim ?


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

unsure where we stood as we have been paying lloyds, but when this recent letter arrived I decided to look back in file and what did I find!!

 

You may need a coffee and a sandwich!

 

hubby has had this card since about 1978,

 

We contact tsb in Jan 2002 loss of income unable to pay willing to pay pro rata payments, worked out by CCCS but delt with by us.

28th Feb from tsb; We have closed your account due to the money owed on it, cut up cards ect, ect. Agree to £20 a month for 6 m, not to add intrest.

 

phone calls for increase, we say no

 

2003

 

26 May tsb; thanking us for keeping to the payment plan, it has now ended, and that future statments will ask for min payment, also added interest

 

May us; letter sent, unable to make payments offer prorata payments again.

No reply £20 sent may. june, july

 

 

1st aug tsb; they are dissapointed that we have not kept to payment plan, and if arrears are not paid in 10 days they would demand full balance.

 

letter sent to tsb; we have not defaulted on the plan

 

8th aug tsb; thank you for contacting us , we have now closed your account, they closed it in 2002 and asking us to fill in I & E form.

 

US; you've had one!!

 

default notice27th aug, pay arrears by 10th sept.

 

us; we are not in arrears

 

22 sept. SCM; you have ignored all letters and DN from Lloyds, we demand full payment,

 

22nd sept, tsb; they will accept the prorata offer for 6 months they will not charge intrest but any that has accumalated will be shown on next statment, at the end of the plan will go back to original agreement and payments.

 

this is getting boreing now will shorten things

 

oct; MHA asked to collect arrears on account. SCM will start getting rough,

 

2004

 

Jan 14; DN money to be paid by 28th

28th; tsb are sorry that dispite letters & DN our account still over due, cancelled all cards want full payment,in 7 days. yawn!!

 

this carries on like a tennis match until document Sept 2008 saying they are "making the arrangement contractualy binding against them"

we must make payments of £13 a month until we have made a payment that exceeds the ammount of the min payment of section 2.1

i tried to scan in but cant get it to attatch sorry

2.1 min payment by payment date

2% of ballance (min 5, or full ballance if less than) or if it is more

The total of intrest and payment protection cover premium shown in the statement ,

 

Then nothing till March this year when they state the arrangement has come to an end, I send letter saying cannot pay , offer lower payment. letterback being passed to the collection center (where I sent it) no interest to be charged till they contact me, statementsw till june ask for full min payment and intrest added. then letter from SCM 21st of this month wanting full payment or else.

 

If you made it this far, thank you for reading

 

what to do next,

 

maybe turn it onto a diary and sell it to Lloyds TSB ???

 

can they read english??

Share this post


Link to post
Share on other sites

1978 credit card

 

wheres the agreement?????????????????????????????

Share this post


Link to post
Share on other sites

well you've been fleeced by the ppi

get that reclaimedfor a start

you've prob go heeps of unlawful charges, get them reclaimed too.

 

those should bring the balance down and put the a/c into dispute as well.

in the meantime pay what you want, stick to your plan.

await the cca reply.

 

dx

siteteam.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

tanx for all your comments CCA sent, will sit back and wait.:)

Share this post


Link to post
Share on other sites

Reply from Tsb today 4th, posted 2nd class, letter dated 30th sept (cca sent 23rd sep rec by them 24th)

 

Normal temp letter, but,, As your agreement was made before 19 May 1985, we have no obligation to supply you with a copy of your executed agreement, Dispite this i have enclosed with this letter:

 

a copy of your Current terms and conditions; and

 

a signed statement of your account.

 

they also state that as they have no obligation to provide me with a copy of the original signed agreement, they will endevour to locate a copy, and that I can be assured that they would not have opened a cc account without having sight of a signed agreement.

They say the agreement I have is fully enforceable and they shall treat it as such. They will not be entering into further corrispondence regarding the provision of copy agreements.

 

The back of the lettercontains detailsof outstanding balance, Credit limit, Current intrest rates, arrears, the ammount they would like by 7th of month,ect ect ect

signed by the customer account manager.

 

 

What now???

Share this post


Link to post
Share on other sites

Forgot,

they ask if I would like to discuss my finances with one of their Financial Health Specialist, in a branch near me

Share this post


Link to post
Share on other sites

chancing their arm..........

 

i'd bet the amount of PPI & charges far outweighs the claimed outstanding balance.

 

pers, i'd write saying you thus lets call it quits or i'll start reclaiming.

 

they'll say 'you have no agreement, prove it!'

 

i think you've got 'em

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Thanx dx, will get account in dispute letter off to them and also SAR, because my argument is, If they closed the account in 2002, and in 2003. how can they reinstate the account to charge us interest, and ask for min payments,Without issuing us a new agreement and new cards,

Share this post


Link to post
Share on other sites

Sorry computer is having hiccups,

 

can anyone suggest where i go from here??

also note no leaflet as stated in last para,

I love the bit about being a responsable lender?? and that we have become a significant risk since we contacted them regarding section 78,

we have been on a repayment plan since 2002 how much more of a risk can we be

Share this post


Link to post
Share on other sites

images too small

attach as a pdf

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Dearest dx, how do i attach as a pdf, me no understand thingy that talks to me on table

 

sorry just being bitchy xxxx

Share this post


Link to post
Share on other sites

hehe

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
img004.jpg Edited by wittsend
my mistake

Share this post


Link to post
Share on other sites
Hope this has worked

 

[ATTACH]22651[/ATTACH]

hi thier letter says it all. when they find it they will send it. sit back and relax.

Share this post


Link to post
Share on other sites

pers i'd get a ppi reclaim going

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Going to Sar them, do i make the £10 p o, to lloyds or leave it blank??

Share this post


Link to post
Share on other sites

the £ 10 / p/o or cheque for the sar request is to lloyds . endorse your p/o or cheque to lloyds tsb bank.

Share this post


Link to post
Share on other sites

Thanks rhos,

just a thought, should I contact mr nevill at Lloyds cust relations to point out that they only sent me a copy of their present T & C and a statement of what I owe and what they want, and nothing of what my letter asked for

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...