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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.
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      I feel terrible. I have to declare this to my employer and NMC.
       
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      • 16 replies
42man

British Gas just simply appalling...Call centre staff lied to me

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Despite being a customer for the last 20 odd years.....I have had nothing but problems with this company...today they have called round with a warrant to put us on a pre payment meter. They asked me to contact them before the 22nd, so I phoned them on the 21st paid half of the bill (my gas account is in credit !!!) transferred the balance from the gas bill to the electricity bill with a small amount outstanding, told them I would be paying this amount on the 7th November. Just to confirm this I phoned them again last week to confirm that the warrant would be stopped and that everything will be fine and I don't need to worry. Who calls round today - British Gas saying they can't stop it. So basically I have been lied to by British Gas.

 

When I moved in to this house 8 years ago, it was Manweb, I phoned British Gas to explain that I wanted to change to them and their dual fuel package, I gave them the readings and they (British Gas) sent me a letter saying YOU DO NOT NEED TO DO ANYTHING, I start receiving a bill. And pay regularly. Then 2 years later they send me a huge bill for £3,000 saying that I hadn't paid anything for my electricity !!!

 

4 years ago they suddenly changed me from a residential address to a business address and started charging me for business VAT !!!

 

Not only that 2 years ago, I find out that my account had been in credit by £1,500 for over 12 months and never once had they told me this or sent me any kind of statement. I only got the money back by issuing a LETTER BEFORE ACTION.

 

When I set up my direct debit payments for the gas account, I attempted to set up a direct debit account for the electricity too, they couldn't do it at the time due to their computer systems. I was told I would be called back due to their call back 'promise' - I never was. My wife again tried to set up a direct debit with the company a month later, and had to hold for 40 minutes, again she was told they would call back - they didn't

 

Needless to say I will be writing a letter to Roger Carr (Chairman)..and I will never be using this company again.


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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British Gas was billing my partner for a meter that didnt exist, for 3 years!!!!!

Took me months to get the money back for him, no apology or compensation, and they still have withheld £100 and no explanation to why this happened.

What made me giggle is that he had a 'sorry your leaving' letter off them after all had been sorted and asking him to return as he was a good customer ... How can he return as a customer when there is no meter??? BG do not know their arse from their elbow and Im getting to think that with most utility companies. I have to say though BG have caused me no end of troubles in the past.

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BG keep ringing me on my mobile and each time they ring I demand they remove me from their database as I will never go with such a useless company-EVER. A month or so later, they ring again. Nothing as bad as the above posts. They carried on billing me after I had left them. Took me two years of letter writing, phone calls (pre-cag) before they admitted they were wrong and of course-no apology.


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