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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.
       
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ncthomas1606

Foster Care application and Enhanced CRB Checks

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Hello there, I am new here and apologise in advance if I have put this in the wrong section!

My husband and I have been thinking for a long time about fostering. We finally looked into it all and had a home visit today, which seemed to go very well indeed.

Both my husband and I are law-abiding people, and neither of us have ever had so much as a parking ticket, let alone any criminal convictions.

The social worker that came to see us spoke about an Enhanced CRB check, so we have been looking on line for information about it. It would appear that it means that the social workers will be asking the local police force about ANYTHING that may be relevant to us fostering.

Totally understandable, but we are slightly worried. Just about a year ago, we (hubby and I) had a bit of a domestic which got a bit heated and there was shouting. The police came and spoke to us and calmed us down, and then left. A few days later I got a call from the local authority asking were we ok, as the police lady had contacted them becuase I have a daughter (13, who wasnt even in the house at the time) I explained to the local authority lady that this was just an argument that got over heated, everyone over reacted, and that we were all totally fine. I never heard anything else.

We are just really worried now that the police records will show that they came to our house to deal with a "Domestic" which was basically nothing more than a heated argument between my husband and I (Which, I may add, is one of only TWO arguments we have EVER had - seriously we never have a cross word, as hard as that is to believe, it is true.) and that the foster people will be upset with that and not allow us to foster becuase of it. We both are professional people, I am an accountant, a councillor, a school governor etc, hubby is retired from the forces, so as I said, we are both good people, who had a lousy day and a bit of an argument that got out of hand and police came to shut us both up! Nothing has happenned since. Can anyone give us some advice on this as I am worried. Many Thanks

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I have to say, I have had a real negative experience here, due to a malicious and vexatious complaint (against hubby of last 20+ years) from a family member with a personality disorder, which had absolutely no basis in fact, and yet it stopped us in our tracks, despite all reasoning to social services from all family members. It remains the single most traumatic thing that has ever happened to me - as of course, I had done nothing wrong, other than being closely related to someone who sees the world a little differently..shall we say..

 

 

 

However, I do believe the gov are relaxing the rules, would post a link but not allowed, as not a regular enough poster on here yet, although I read a lot, but try crb then dot homeoffice then gov then uk....and hope you find the latest news here...............

 

there was some announcements the other day - and given the detail involved, a more supportive social services may just look differently, and see this as the one off which you say it is - but you may want to look upon the services of a family lawyer, just for your own peace of mind. I would.

 

Good luck (and I DO hope you dont live anywhere near me, and therefore share the same social work department)

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I have got to be honest - it should show up on an eCRB. The best thing to do is to be honest and say so to the social worker. This is life, not a fairy story, and Sh!t happens! I'd be a damned sight more worried if you were a perfect couple who never had a problem that got out of hand. Biological parents don't have such lives (often because of the children!) and you'd be lucky fosterers if life isn't going to throw some interesting curve balls! They aren't looking for perfection - they want safety and security. So given it should show up, and may well do so - get in first and tell them! Then it won't come as a surprise or an alarm bell - just "one of those things". Appearing to hide it may raise alarm bells that aren't realistic.


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I am a barrister specialising in employment law, and only represent employees. My advice on employment issues is advice - not legal opinion - and is based only on the facts you provide. If you want an accurate assessment of your case and prospects, you should get legal opinion from a lawyer - not a public forum. Anything I tell you is for guidance only, and is based on my experience of the law in the context of what details you provide.

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hello,

 

As far as im aware any incident is reported and logged on the P.N.C. police national computer, so there will be records regarding any issues. tell tell tell everything to all the relevant people in your situation, hold nothing back as if you do they will think you have something to hide. being truthful is more thought of than holding things back because if any incident has been reported ect they will find out.

 

good luck, i hope things work out

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just to add i dont think it will be on an enhanced crb at all, i had many issues with my ex and none of this showed on the many enhanced crbs ive had, (the police were often called) however it will be recorded somewhere, like i said the P.N.C.

 

hope all works out well

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hello,

 

As far as im aware any incident is reported and logged on the P.N.C. police national computer, so there will be records regarding any issues. tell tell tell everything to all the relevant people in your situation, hold nothing back as if you do they will think you have something to hide. being truthful is more thought of than holding things back because if any incident has been reported ect they will find out.

 

good luck, i hope things work out

 

Just a slight correction for reasons of clarity. Whilst convictions and official cautions would be reported on the PNC (and therefore a police visit would not show up on a standard CRB disclosure unless further action was taken), the enhanced CRB needed in this case is dealt with by the local police authority and involves searches of locally held records of police involvement (such as calls to Domestics) even where no further action was warranted. If the record is felt appropriate to the purpose of the application (and just about everything, if the applicant is dealing with potentially vulnerable people, will be deemed potentially relevant) then it will be included.

 

I can only echo the sentiments above. It is extremely likely that this will show up, but it is not necessarily the end of the world. It was a one off incident, it happens to a lot of people, and arguments are a part of normal family life. There has been no repetition and it would have no bearing on the level of care given or environment in which the foster child would be placed.


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Speaking from experience (working in Social Services) checks would be made from within, so this means that the previous call will be logged in the records. They will be aware of this, and may ask about it.

 

As somebody said just be honest - this happens all the time. Which family never has arguments?

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Thank you all for your advice. I think you are right, it is best to just call the lovely lady that came to see us, tell her about the silliness that was that day we actually had a row, tell her what happenned and that this was one of those stupid situations that just got a little too heated and the police came to see us to shut us both up from shouting basically!

I will give them a call tomorrow and tell them how worried I have been about this, and hopefully they will be able to tell me that I have done the right thing in telling them, and that honesty is the best policy. Im sure you are all right, thanks for the advice, will keep you posted.

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Fingers crossed for a good outcome, and please let us know how it goes.

 

HB x


Illegitimi non carborundum

 

 

 

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