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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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      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.
       
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      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.
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caoimhoo

purchase receipt used to get a warrant

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Hi folks

Anyone know if a purchase receipt can be used as proof of ownership of a vehicle? And can a warrant be granted based on this?Personally I would have thought not but one has been granted for an unpaid pcn and now I have bailiffs coming round.They are not looking for me but they are coming to my home.Any help would be greatly appreciated or a pointer to another thread regarding this as I can't seem to find one..Thanks

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I assume the NTO has gone to the person on the V5 who has stated they sold the vehicle to you......is that correct?

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Thanks for the reply green and mean,but nothing has come here because I didnt purchase the car.I know nothing about this car ,I am neither the owner or keeper and never have been and this car has never been connected to me or my home ever, This was confirmed by the dvla , who actually do have the keepers name and address on database but cant reveal who.Of course they shouldnt and I dont want to know either .I will be receiving urgent confirmation of this info from them about the lack of connection whatsoever to me or my family or my home..So why are bailiffs here??Apparently whoever bought this car used my address fraudulently and thats being investigated now, but the pcn was issued and a warrant sought in court for non payment and bailiffs instructed based on this purchase receipt!!!I've received nothing about anything except this bailiff visit and its not even me hes looking for!!!

Edited by caoimhoo
typo

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There seems to have been some sort of mix up along the way. If the person had used your address to fraudulently register the car you would have received the notice to owner etc by mail before the baliffs came so that does not appear to be the case. I am confused where the information comes from regarding the receipt, the parking ticket would have gone to the keeper on the v5 if he had sold it the process would start again with the person they sold the car to, did you get a NTO? Surely the person buying the car gets a receipt not the person selling so why would they (the council) have a copy of the receipt? None of this makes sense? Sometimes if they go to the registered v5 address and the keeper has moved they will try and trace the keeper using various means, electoral role etc but the warrant will only go to the person who has had a nto and charge certificate?

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It is possible that a transfer of liability was done to a person unknown, and in their efforts to trace that person they are under the impression they are living at your place. They could therefore be paying visits without having previously posted mail there. As you say, "They are not looking for me but they are coming to my home".

 

If I were you I would call the council first thing and try and get to the bottom of where they got your name and address from. They will help you sort it out if there's been an error.

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It is possible that a transfer of liability was done to a person unknown, and in their efforts to trace that person they are under the impression they are living at your place. They could therefore be paying visits without having previously posted mail there. As you say, "They are not looking for me but they are coming to my home".

 

If I were you I would call the council first thing and try and get to the bottom of where they got your name and address from. They will help you sort it out if there's been an error.

 

If that were the case then the person deemed liable would have got an NTO not a visit from the baliffs, you cannot just blame someone else at the warrant stage.

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It is definitely all been a clerical mistake on behalf of the pcn issurer and the bailiff only act on what the warrant says. The bailiff has now backed off me and hopefully the pcn issurer may just ring the dvla and get the keepers name and address and send the pcn to them.They hadnt done that originally ,apparently, even though their website says tht this is their procedure.Its been very frustrating and hopefully the matter is over.I have sent proof of my identity and hopefully its done and dusted.Thanks for all the help.My stress levels reached record highs and hopefully will return to normal soon

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It is definitely all been a clerical mistake on behalf of the pcn issurer and the bailiff only act on what the warrant says. The bailiff has now backed off me and hopefully the pcn issurer may just ring the dvla and get the keepers name and address and send the pcn to them.They hadnt done that originally ,apparently, even though their website says tht this is their procedure.Its been very frustrating and hopefully the matter is over.I have sent proof of my identity and hopefully its done and dusted.Thanks for all the help.My stress levels reached record highs and hopefully will return to normal soon

 

With due respect you obviously have no understanding of the process they cannot and do not just issue warrants willy nilly a PCN, NTO and Charge Certificate must have already been issued. I would suspect that as I stated earlier the correct procedure had been followed up to the baliff stage and then the keeper wasn't at the warrant address so the baliffs have for some reason connected them with the address you live at. A warrant is issued to a person not an address so apart from the inconvenience there is little to worry about since you are not the keeper stated on the warrant and your car was not the vehicle that got a PCN.

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