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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
shortwoman

Yes, Yes, UKPC again!

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My father parked in a retail park and left to attend the bank when he returned he went to the shop on the retail park to purchase and item. When he returned to his car he found a parking ticket which stated that

‘Parking Attendant No: 01609 had reasonable cause to believe that the following contravention of the parking regulations had occurred:

Vehicle owner/driver left site

The ticket stated £90 payable or £50 if paid within 14 days.

 

I wrote back to them and asked them for evidence of my father being the driver and also requested the PNC Contravention Code which covers 'Vehicle owner/driver left the site'. They wrote back stating that if my father could prove that he used the facilities by providing a receipt then they may be able to waive the fine. Otherwise he would have to pay £90. This was despite a notice (which I checked) stating £90 or £45 within 14 days.

If wrote back repeating an answer to my questions however they have now written back stating that my father must pay £90 within 14 days otherwise they would send a collection agent to his home to collect the money.

I would like to know if I can report their bully boy tactics to Trading Standards and write back quoting Section 40 of the Administration of Justice Act.

I would appreciate if someone could let me know.

Many thanks

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why or why are you even entertaining these clowns.....

 

its not a fine

 

its an INVOICE and it time to ignore them

 

read some threads in this forum

 

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.

 

 

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It is not really me entertaining them but as it is my father who is elderly and he will not ignore them like I would have.

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I like the bit about a "collection agent". Is he going to knock on the door rattling one of those charity tins asking for some money?

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the way they are attempting to sort the matter out financially, is tantermount to a fine or penalty. It is private property and thus is a civil matter and in law a civillian cannot impose a fine or penalty, even if the wording doesn't use such words the essence is the same. ie, if you stay more than 3 hours you will pay a 'fee'.

 

All the store can legally do is ask you to leave. If you don't they can sue you for 'tort'. In other words because you haven't left you are now trespassing and they can sue you for damage caused. That could be physical damage if you are doing so, or loss of earnings. Lets say they charge £3 per hour for parking, you park and don't pay for an hour, they have possibly lost £3 if someone else wanted that space and couldn't park and pay as a result.

 

The law they rely on is based around farming land rights effectively. You drive your tractor across my field and destroy a row of lettuse. I could sue you for the value of those lettuce at market, say 20 groats or three of your shiny coins. Or perhaps you park your combine harvester on my land for a day or two and I cannot plant anything there and then see you have damaged my fence., I could sue you for loss of use of the land and the damage. Obvioulsy the loss would be a proprtion of the entire field.

 

In the case of Morrisons and the like, they do not actually lose anything at all. Well, saying that if they could actually prove that a customer could not park at all as a result and that same customer went over the road to Sainsburys and spent £100 they might try to argue that they lost £100. However, that same customer could have just parked elsewhere and still shopped at Morrisons. You didn't block the door!

That is why these 'letters' asking for money are just that. A letter.

 

They try to use very similar wording, style and imply that you must pay. But a court will only enforce a payment if there was a debt. The fact they put up a sign is nothing unless they can show that you did indeed see the sign and agree to the terms. Even then, they cannot impose a 'fine' or 'penalty' only attempt to sue for their actual loss which in reality cannot really be proved. Who can say if the man in Sainsburys poked his tongue out a woman who then decided to go across to Morrisons, which she would not normally do.

 

I could look at one of those signs all day and not understand it because I am dyslexic. The fact I looked does not mean I understood the contents and certainly do not agree just by pointing my head in the direction fo the sign.

 

That is why it is bog roll.

 

nicked from Wheelergeezer

 

show him this post

or print it out

 

 

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.

 

 

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It is not really me entertaining them but as it is my father who is elderly and he will not ignore them like I would have.

 

I had a similar issue with my family. Please persist with the ignoring tactic. Do everything you can to prove and assure your family that this is a [problem] and the court is not going to fine them the full amount of their pension and that bayliffs are not going to rampage through their home.

 

I realise it's difficult to stand your ground but it needs to be done!

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