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    • So you're telling me you wouldn't rule it out but agreeing with others it's true without qualification. Hardly objective.   There is no evidence it's true and not even Labour are suggesting it. Like I say, opinions are fine but they are worthless unlesss they have at least some factual basis.   Germany put Spain on their quarentine list yesterday, are you blaming that on Brexiteers too?
    • 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        
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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.
       
      No excuse.
      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.
       
      The cost of the items was about £40.
      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.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
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The train companies should be able to retain our personal information...  

14 Caggers have voted

  1. 1. The train companies should be able to retain our personal information...

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Yesterday I received a £20 penalty fare at Waterloo. Later that day I discovered that the ticket inspectors are supposed to offer you the chance to pay the penalty fare upfront- this one didn't, he insisted upon me giving my details of address so that SWT could bill me the fare which is a real inconvenience as I'm at University and don't live at home much these days. When I asked him if I could pay it upfront he said that I couldn't because he'd already started filling out the form- but this is not in line with SWT policy on penalty fares. I've heard that the penalty fare can be paid online but I'm still irritated that SWT now have me on record and can use this case against me in the future. Have I been mistreated here? Is there such a thing as appealing against the unfair retention of my personal information? Would I be likely to succeed in such an appeal? Thanks.

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Hi AJ

 

Welcome to CAG

 

The guys will advise you as soon as they are available.

Edited by MARTIN3030

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Whether you pay 'up front' or later, he is still entitled to request your details. I am surprised that he didn't accept your full payment, if it was 'on offer'. However, the penalty fare schemes do not allow 'collectors' to demand full payment on the spot. (They may ask, they may not 'demand') There are also many circumstances where they are required to consider your welfare over 'collection'.

Edited by MARTIN3030

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They are entitled to keep your details for a 'reasonable time'. The word 'reasonable' is one of those wonderfully imprecise words. I suspect that the data may be kept for about 7 years, unless you do 're-offend', in which case, it could be kept for a similar length of time from the date of the fresh offence. However, they need to have a reason to keep it.

Edited by MARTIN3030

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Yesterday I received a £20 penalty fare at Waterloo. Later that day I discovered that the ticket inspectors are supposed to offer you the chance to pay the penalty fare upfront- this one didn't, he insisted upon me giving my details of address so that SWT could bill me the fare which is a real inconvenience as I'm at University and don't live at home much these days. When I asked him if I could pay it upfront he said that I couldn't because he'd already started filling out the form- but this is not in line with SWT policy on penalty fares. I've heard that the penalty fare can be paid online but I'm still irritated that SWT now have me on record and can use this case against me in the future. Have I been mistreated here? Is there such a thing as appealing against the unfair retention of my personal information? Would I be likely to succeed in such an appeal? Thanks.
As Wriggler stated, the staff are entitled to request your details regardless, as you didn't have a valid rail ticket. Your post worries me a little, as I fear you are of the impression you were given a Penalty Fare, where in fact, you were reported for an alleged offence. Were you given the necessary Penalty Fare paperwork? Some Revenue folk aren't as clear as maybe they should be when reporting somebody. The person being reported should be told, in no uncertain terms "I'm reporting you, as I believe offences might have been committed" and also that "This is not a Penalty Fare matter".

 

I strongly agree with them holding details, as it helps to combat fare evasion. Even if you'd have paid up-front, the staff are entitled to, and really should but often don't, take your details, for the sole reason I meantioned about combatting fare evasion.

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I think Stigy may possibly have hit the nail here.

 

You say you were 'given a £20 penalty fare'

 

Did you sign a numbered form, which was then handed to you?

 

The form will say on it when the appeal must be made, or penalty must be paid by. (If a penalty fare notice was issued yesterday you would have until 30th of January.)

 

If you were not given the form it is likely that you have been reported.

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funny how the ones who have voted against the poll are all fare evaders.......


Views expressed in this forum by me are my own personal opinion and you take it on face value! I make any comments to the best of my knowledge but you take my advice at your own risk.

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Hi guys. I keep finding this thread highlighted in bold and saying there's a new reply, but when I click on it, there's an old message, today it's RPI from 16/11.

 

Is it because there's a poll on the thread?

 

My best, HB


Illegitimi non carborundum

 

 

 

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That has confused me too, HB!

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3190 days.

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