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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
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Rite i think i mite be in a bit of trouble because i moved out from my parents address 2 years ago and ive had to pay a parking fine and a speeding fine which i gave my previous address because i hadnt got round to updating it, ive just got round to changing my address to find out that i need to fill in a medical questionnaire because i developed a mental heath problem 4 years ago which ive only just found out that its against the law not to tell them, so what to do think will happen to me? im expecting to lose my licence but its the fines im worried about. i no i should of informed them when i had the fines but i was considering moving back to my parents due to financial problems which have been sorted now. has any1 got a idea what they will do?

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you could goto a local mental health outpatient clinic and ask to speak to a c.p.n. (community phsyciatric nurse) or someone similar. explain your concern and see what help or advice they may be able to provide. they may even be able to assist you in your matter if necessary.

 

all the best.

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Why didn't your parents tell you about the letters?

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I think you need to contact the relevant people about the speeding and parking fine (which I am guessing is a council-issued PCN), and find out what the state of play is with each. You can decide what to do from there. I don't know much about speeding fines, but a PCN will normally be passed to bailiffs with more charges added on and you will have to pay or contest it. On the other hand, it may have been issued by a private company, and if it is, then you can probably ignore it.

 

If you can post up some more info here, then please do. It will make your position clearer.

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you could goto a local mental health outpatient clinic and ask to speak to a c.p.n. (community phsyciatric nurse) or someone similar. explain your concern and see what help or advice they may be able to provide. they may even be able to assist you in your matter if necessary.

 

all the best.

 

yeah i think i mite do that, because none of my doctors mentioned that i had inform them of my condition.

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I think you need to contact the relevant people about the speeding and parking fine (which I am guessing is a council-issued PCN), and find out what the state of play is with each. You can decide what to do from there. I don't know much about speeding fines, but a PCN will normally be passed to bailiffs with more charges added on and you will have to pay or contest it. On the other hand, it may have been issued by a private company, and if it is, then you can probably ignore it.

 

If you can post up some more info here, then please do. It will make your position clearer.

 

Yeah it was a pcn issued fine and i payed it but im worried if the dvla check up on my speeding fine and find out that i didnt tell them i change my address and just give them my parents address as my current address. because i stated on the form that ive been living at my present address for 2 yrs.

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Why didn't your parents tell you about the letters?

my parents told me about the letter, but i worried because i payed the fines and gave my parents address as my current address because i havnt got round to updating it.

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my parents told me about the letter, but i worried because i payed the fines and gave my parents address as my current address because i havnt got round to updating it.

 

Sorry I think I got the wrong idea, so you actually paid the fines and are worried about the licence not the fines?? You can use any address on your licence or registration v5 as long as you can be contacted at the address.

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Sorry I think I got the wrong idea, so you actually paid the fines and are worried about the licence not the fines?? You can use any address on your licence or registration v5 as long as you can be contacted at the address.

 

Yeah i paid the fines, thought i mite be in trouble paying the fine and not telling them i had moved.

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Yeah i paid the fines, thought i mite be in trouble paying the fine and not telling them i had moved.

 

No, you are ok as long as you don't give a false address to avoid prosecution and can be contacted you can give any address you like. The fact that you paid the fines makes it even more acceptable as they obviously can contact you! :-)

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No, you are ok as long as you don't give a false address to avoid prosecution and can be contacted you can give any address you like. The fact that you paid the fines makes it even more acceptable as they obviously can contact you! :-)

 

cheers for clearing that up for me mate, what do you think they mite do regarding not informing them about my medical condition.

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Information is available here http://www.direct.gov.uk/en/Motoring/DriverLicensing/MedicalRulesForDrivers/index.htm, If you have now told them and have not been involved in an accident or stopped by the Police for driving without due care due to your illness, I very much doubt anything will happen retrospectively. If you did get prosecuted the fact that you have mental health issues would I imagine be adequate mitigation for forgetting anyway and you would probably just get your licence revoked. If you had failed to inform them and had an accident or such like the consequences would be far worse.

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cheers, i was involved in an accident but it wasn't my fault and ive got 6 years no claims and havent had any dealing with the police apart from the speed camera fine which i got stung because it was a new camera, so i mite be ok regarding a fine, if i did no about informing them like you say i would of forgotten anyway so i will have to wait an see what happens about my license. thanks for your help mate much appreciated

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