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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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JGJ

Lloyds TSB (Stupidity)

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Hello all,

 

I recently sent Lloyds a Change of Address form with full new particulars and took a copy

 

form into my local Lloyds branch for their perusal etc.

 

Lloyds then decided for "my security "they would send the attached letter to me, I was only

 

able to retrieve the letter, as I have redirected my mail for the last three months. Why would Lloyds

 

think that sending it to an obsolete address ,would benefit "my security" :noidea:

 

All comments will be gratefully received.

 

"EXEMPLO DUCEMUS"

 

LloydsCHANGOFADDRES0001.jpg

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Plonkers, and about the normal for the banks. No wonder half of them went under.

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Me-defend a bank-not normally but on this occasion, I do.

 

What they have done (or should have ) was to send TWO letters, one to you and one to your old address. This is a fraud prevention measure.

Imagine if someone has "stolen" your account and sets up a new address with your bank. How would you know unless the bank wrote to your "old" address.

 

I know it seems silly but they do have the customers best interest at heart (on these occasions)


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^^^^^

That said, what do you think they would do if that letter was returned as "not known"?

 

The OP didn't say they also sent a letter to his new address, though I can see where you are coming from.

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Hello all,

 

 

Lloyds have "not" sent me any correspondence to my new address, which was clearly stated on the forms and

 

when I went into my Local branch, I also informed them as to my change.

 

I have also informed my local County Court as I have ongoing cases against Lloyds. Lloyds are and probably will

 

remain a bunch of Dysfunctional *ankers. :rant:As an aside I have been communicating with their sols the one and

 

only SC&M and they do reply to my new address. :???:

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You really couldn't make it up :shock:

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silverfox1961,

 

Please take a look at post #5, I would be very interested if you still try to defend Lloyds actions or

 

more to the point lack of actions. (IMHO) they are the most irritatingly dysfunctional bunch of *ankers /people I

 

have ever

 

had to deal with and that is why, they are top of the league of *ankers for their appalling customer care (less)

 

service.:frusty:

 

 

"EXEMPLO DUCEMUS"

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Hello all,

 

 

Lloyds have "not" sent me any correspondence to my new address, which was clearly stated on the forms and

 

when I went into my Local branch, I also informed them as to my change.

 

I have also informed my local County Court as I have ongoing cases against Lloyds. Lloyds are and probably will

 

remain a bunch of Dysfunctional *ankers. :rant:As an aside I have been communicating with their sols the one and

 

only SC&M and they do reply to my new address. :???:

 

**** are quite entertaining ;)


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Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

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As you say you never got the "second" letter then I do withdraw my (grudging) support. Without sending a second letter to your new address, it just defeats the object.

I would imagine it's a cost saving initiative (just like not offering receipts when you deposit money over the counter)

My own bank (Santandurrrr) do send two and they informed me when I changed my address that they would do so. (not defending them either as they are just as big a bunch of muppets)


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Thank you all for your comments and support they are appreciated.:frusty:

 

 

"EXEMPLO DUCEMUS"

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