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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.
       
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      • 16 replies
worriedhants

Car Hire Company Report Car stolen for 1mth missing payment!

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Hi,

 

I was wondering if anyone can help me here. I have to report to my local station this evening on bail conditions.

 

I hired a car for my long journeys to work as my car was dying. The car hire company have known me for 10yrs and we are on first name terms with them. They know who my kids are and who I work for etc etc.

 

Anyway, I was driving to work on the motorway on 3rd Oct and I was pulled over by police, they then arrested me for being in possession of a stolen vehicle! I said there must be a mistake I pay the car every week on my card which they have in the office and they haven't told me it's been declined or anything. Nope they wouldn't listen, they wouldn't even let me ring the hire car office to pay for it there and then on the motorway.

 

My collegue who was also in the car was also told not to contact the hire company and they left him totally stranded!!!

 

I was arrested and put in a cell for 5 hours sobbing my heart out and terrified that I'd go to prison, even though I knew there had to be a simple error along the way.

 

After hours and hours I was interviewed and told that the company had been putting my card through for the past couple of weeks and they had to do what's called a forced payment, no idea what they meant. Anyway, they then proceeded to tell me the hire people went to the address they held on file for me to be told by the tenant I'd moved over a year ago. Which I had. I explained to the office yes I'd moved several times in 4 years trying to find the ideal rental property for my kids, no crime. But I hadn't changed my licence, my fault and yes it's a crime now. But the car hire people hadn't asked me for my licence due to them knowing me really well and the one they had in the office was years old due to them never asking me and due to the fact I'd moved 5 times and hired a van with them they obviously KNEW I'd moved lots! So partly their fault partly mine.

 

I was then told to report to my local station (tonight) and see what happens then. But NOT to contact hire company, so I can write to pay the £400 off! I'm so scared that one, I will lose my job if charged with stealing a car, two, go to prison for this stupid stupid mistake.

 

To top this stupid story off, once home and calm I then realised why the car had to be forced through!!!! I got a NEW card from NATWEST and hadn't changed it over for the car, I'M SO STUPID. I work a 16hour day my job consumes my life 24/7 and at times I just don't think about day to day stuff. My boss thinks it's ridiculous and said just pay it and that's it.

 

But the police say it's not..........they say I have alot of personal debt and they will be looking into it!!! It's council tax arrears I WAS on benefits managed to get off them by getting a good job and trying to repay what I can, not a crime, or so I thought.

 

Local solicitors can't help me!!! I could cry, I'm terrified that if I lose my job or worse go to prison I will end up on benefits again and my kids will suffer.

 

Please help, anyone!

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I didn't receive any replies to my original post, but I just thought I would let everyone know. I went to my local police station and they were dumbfounded at the ridiculous situation. Long and short of it is, they don't see it as a criminal offence, I didn't steal the car and it's now a matter between me and lease company, pay the missing payment and end of. WHEW

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Hello, sorry you didn't get any replies. I'm glad it all worked out for you in the end :madgrin:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

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