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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.
       
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      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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Mummytothree

No contact from employer weird situation!!

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Hi all,

 

I'm looking for some advice on what might seem to be a strange situation. I was employed to do a job three years ago (october just gone) and was never given a written contract to sign, only verbally told my hours of employment were 12 (4hours over three days) 12 months into my employment (sept 2009) my hours were extended to 19 hours a week. I was told I would be allocated holidays (which have always been paid when I'd taken them). In April 2009 I found out I was pregnant and verbally told my boss a few weeks into my pregnancy (his attitude towards me somewhat seemed to change) i.e I had booked a days holiday and forgot to fill out a holiday form (which had never been a problem prior but was acceptable if this was the procedure) but had written it on the holiday board, when the time came to take the holiday he said I couldn't have it because I didn't fill out the form, also there was talk of my area of work being changed to an area with a high crime rate (I was a little nervous to say the least) especially after finding out I was pregnant. I was finding it increasingly difficult to continue with my day to day working due to suffering from SPD (a condition brought on with pregnancy) and due to my job entailing a lot of walking and my doctor advising me that this would not be helping I went off sick, this continued up until I planned to take my maternity leave at 29 weeks!! I wrote to my employer at 25 weeks pregnant and advised them that I would like to take my maternity at 29 weeks, but never heard anything back from them so I continued to send in sick notes up until 39 weeks of my pregnancy when I required work to stop paying me so my Maternity Pay could take meaning I would have longer off with my baby. I had no risk assessment done in my pregnancy and no communication was made to me as my boss said they couldn't contact me by law because I was of sick as it would be harrassment hmmmmmmmmmmmmm???? I sent in my SMP maternity claim form and they sent it back with the relevent documentation stating that I couldn't claim SMP this was the only corrispondence from them up untill May this year when they sent a letter containing my p60 asked what my future intensions are regarding going back to work. Now my employer has moved offices and I have had no information regarding their whereabouts (although it shouldn't be too hard to track them down), surely I should have been informed about this?? As far as I'm concerned i'm still employed by them but feel a little putoff about returning to work for them as I feel that they are going to make it difficult for me to work there upto the point where i'll just want to find alternative employment!!

 

Can anyone advise??

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OK - yes, I agree. That's weird. But since they asked you what your intentions about returning to work were in May - what was your reply? And where have you been between then and now - I'm having a bit of difficulty working out when your maternity leave started and when it finished / finishes, or what maternity leave rights you exercised.


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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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I am yet to reply to the letter, my maternity wasn't due to expire until mid September and have decided to take extended maternity leave without pay until December 2010.

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I am yet to reply to the letter, my maternity wasn't due to expire until mid September and have decided to take extended maternity leave without pay until December 2010.

 

I'm afraid that it doesn't quite work like that. If they wrote to you and you didn't bother replying, then it isn't a case of them not contacting you - you failed to answer their query six months ago and they can reasonably say that they assumed you were not returning". The responsibility to communicate is two way - and it was you who didn't reply! So if you haven't informed them that you intend to return (or informed them of anything at all) then I am afraid they probably interpreted this as a resignation


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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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according to maternity rights it states that the employer should have written to me to confirm my return to work date. I have never received this, along with no risk assessment, or any benefits I should have received whilst on my maternity leave

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no other commuication was sent other than this letter in may.

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according to maternity rights it states that the employer should have written to me to confirm my return to work date. I have never received this, along with no risk assessment, or any benefits I should have received whilst on my maternity leave

 

They did write to you. They wrote to you in May and asked what your intentions were reagrding going back to work - and you didn't reply! So how were they to interpret that lack of a response from you? It is normal when going on maternity leave to say whether you intend to return at the end of it or not - many people do. So basically you left them hanging with no idea of whether they had someone who intended to return or not. From their point of view - it wasn't them who diappeared but you. You could have written back and said that you were returning after your maternity leave, or that you weren't, or that you hadn't made up your mind. But you did not do any of these. At best this is therefore six of one and half a dozen of the other.

 

I don't know what you mean by your not receiving any benefits whilst on maternity leave because you haven't said. But again, communication is a two way thing. They wrote to you and you didn't reply. If they failed to provide benefits that they were supposed to - why haven't you contacted them sometime between May and now to find out what has been going on?


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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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