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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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DECA357

Lloyds tsb ppi claim unsuccessful

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I've just recently received a final letter from Lloyds in regards to a PPI claim. Letter stated that I was unsuccessful on the grounds that I did not provide enough evidence to back up my claim.

 

My claim was based around a Lloyds credit card PPI policy that was sold to me during a financial review meeting back in July 2003, during that time I was working less that 16 hours a week in a local pub; having just finished university. I was never informed during the meeting that I wouldn't be covered.

 

Would the next obvious step be the FOS? and in regards to evidence to support my claim, would I need a National Insurance statement for 2003? All I have currently is bank statements showing my weekly pay.

 

Any help or advice would be greatly appreciated. Cheers.

Edited by DECA357

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Welcome to the site.

I am currently assisting another person with the same after Lloyds refused.

How did you take up the card ?

Was it in branch or by postal app/online ?

Have you got any of the terms/agreement ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Welcome to the site.

I am currently assisting another person with the same after Lloyds refused.

How did you take up the card ?

Was it in branch or by postal app/online ?

Have you got any of the terms/agreement ?

 

I was sold the policy & card during a financial review meeting in 2003 at my local branch. Think my claim was slightly rushed, in regards to that I failed to send off a SAR request; I didn't have much in the way of the original paperwork.

 

Going to send off my SAR on monday.

Edited by DECA357

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You need to get the SAR sent off and get the credit agreement.

 

Please read though this information from FOS. http://www.financial-ombudsman.org.uk/publications/technical_notes/PPI.html

 

It gives some very useful information which you could use in your resubmission.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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Lloyds will almost certainly say that you agreed to their terms and conditions,had a cooling off period as well as option to cancel at any time.

They will also say that you were provided with a policy summary explaining terms and conditions.

 

Is this case actually at the Court stage ?

If so have they filed a defence? also is Hammonds or SCM dealing ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Deca,

 

Sounds like you have had a standard fobb off letter from Lloyds in the vain hope you will give up believing you have no further options.

 

Of course you know different and come to the right place for help and suggestions on what to do next.

 

The first thing that jumps out in Lloyds letter is that you failed to provide enough evidence. It is their duty to prove it was not mis-sold rather than yours to prove it was.

 

As you have now had a full and final from Lloyds, I suggest your next move would be to refer the case to Financial Ombudsman Service. This will cost you knowing, but FOS will charge Lloyds £500 for the pleasure.

 

It may well take some time for your case to rah an adjudicator at the FOS, I am aware they have been snowed under with new claims, some suggesting approx 2000 new claims received a week for ppi.

 

Also Lloyds have announced they will not be processing any further claims for PPI mis sell until the outcome of the legal challange between British Banking Association and the Financial Services Authority. Which will likely take quite some time to even get to court, then possibly through the whole appeals process. This being despite FSA stating they expect all claims to be processed as normal.

 

As I say, is entirely your choice which route you take, but my suggestion would be FOS as soon as possible.

 

Good luck

 

DJ

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All banks are sending out a FOS questionaire (to those seeking PPI refunds) which they request is filled in.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i beat them

have you sent out the lba?

 

ps..... gota phone call today from bbc journalist they want to interview me friday on claiming ppi......... documentary called rip of britain

anythings worth a go

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SAR & CA request with payment sent off this morning, hopefully will hear back from Lloyds in the next couple of weeks. Then I’ll take my complaint to the FOS.

Just to clear up this isn't going court, I still haven’t complained directly to the FOS. Thanks to everyone for their advice up to now, much appreciated. clip_image001.gif

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Lloyds will probably taske full advantage of the 40 days on the SAR they usually do. If you get everything have a look at your contact record they sometimes show up some 'interesting' things which you can use against them


If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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subbing


IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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After sending my complaint to the FOS back in January, I finally received a letter from LLoyds TSB dated the 01/08 last Thursday offering a full and final settlement of £2753. This was including 8% interest.

The letter stated they would transfer this into my Lloyds current account, how long does it normally take to receive payment?

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It didn't take long with my claim but I honestly can't quite remember. I know they exceeded teh FOS stated time scales regarding calculating teh rebate in the first place but the payment was sent out very soon after I received notification


If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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I phoned Lloyds last night, they quoted the usual 28 days.

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