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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?
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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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      I was in Sainsbury’s today and did scan and shop.
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It all happen when i got on a c2c train from barking to upminster

 

I touched in at the gates at barking got on the train to Upminster during the journey rail inspector asked for my ticket which I handed for checking but it wasn’t reading I opened up the sleeve to remove all the cards to find my oyster missing it had slipped into an inner pocket it took several minutes to actually locate the oyster card.

 

I buy each week zones 3 to 6, which expires on Sunday I had sufficient funds on my oyster to pay for my single journey fare to Upminster i had about £13 with the intention of purchasing my weekly 3 to 6 zones later on that morning, which I offered to do but was declined and told I didn’t have the cash at hand to do so.

 

i was given any caution of what act i had committed before my 'rights' where read and i was then asked questions upon questions because i didnt understand what was happening my oyster was taken away,

 

there were a couple of whispers among the inspectors in which i felt very intimidated i was not issued a penalty fare but a prosecution notice. i have never been caught fare evading, cctv footage will clearly show me tapping in.

 

i was made to feel like a criminal i dont earn much so i have to budget, it had never crossed my mind to evade a fare when i clearly had the means to pay and i think the inspectors were quite upset they had to get off the train with me cos one of them was mubberling they could have sorted this all out on the train before reachin upminster which is like a 6 minute journey.

 

sorry for the long story but i feel so helpless and need advice asap. thank you

Edited by honeybee13
I put in some paragraphs for ease of reading.

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Hello and welcome to CAG. I hope our transport guys will be able to get here later.

 

I'm not sure I follow, could I ask a couple of questions please?

 

You swiped your ticket when you got on at Barking, or was it your Oyster card?

 

Why did they confiscate your Oyster?

 

My best, HB


Illegitimi non carborundum

 

 

 

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thank you.

yes i swiped my oyster sleeve and was unaware my oyster card wasnt in that sleeve, unknown to me it had dropped into an inner pocket in my coat it took me several mins to actually locate it thats why the inspectors were moaning that they could have sorted it on the train before we got off at upminster.

The reason the inspector collected the oyster was because they were going to prosecute me, i was not told what i had done all i did was ask for a penalty notice so i could appeal then if i loose then i'll have to pay fair enough but instead he then began to read me my rights this was before handing me the prosecution notice when i did ask for my oyster i got a very agressive response and a smirk look from his other colleague and immediately left as i felt very intimidated by the 3 men. thank u for your response

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Thank you for that.

 

So you swiped an Oyster card that wasn't there? I think I'm right in saying that the inspector doesn't have to offer you a penalty fare.

 

Is this the first time you've had a problem?

 

My best, HB


Illegitimi non carborundum

 

 

 

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When you swiped the empty sleeve what caused the reader to beep & green light to activate to show that you had successfully touched in?

It is at the inspectors discretion how to deal with the offence, i.e. sell a ticket, warning, penalty, report for prosecution.

I suggest you have a read through the various threads on here & prepare a response to the letter that will eventually come.

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thanks all

yes this is the first time i have had a problem.

No the barriers were open i was in hurry and just tapped in and rushed to the platform to catch my train.

 

so the inspector doesnt have to issue me a penalty fare even though it wasn't intentional and there is cctv to show in touch if i did plan to evade i would have just walked through.

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Do you have an idea what is usually contained in these such letters?

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and there is cctv to show in touch if i did plan to evade i would have just walked through.

 

But I thought you just said you swiped an empty wallet? The machine would have told you if the swipe hadn't worked.

 

Do you have an idea what is usually contained in these such letters?

 

You should find information on other threads here. I believe it will say which byelaw, etc you broke and let you tell your version of what happened.

 

My best, HB


Illegitimi non carborundum

 

 

 

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It is quite unlikely in my opinion to swipe something which isnt there, even on no barrier Oysters you should wait for the beep and the green light.

 

So clearly you travelled on TfL without a valid oyster, if caught you could be given a penalty fare or prosecuted, Im afraid to say, if I was an inspector I would seriously doubt your story.

 

It is only your claim that it wasnt intentioanl, after all the swipe the empty oyster holder might be just a [edit] youve come up with.

 

Anyway, Im sure the others will advise you hopw to proceed, it is possible to reply to the prosecution letter, offer to pay an amount and the prosecution is then dropped.

 

Andy

Edited by honeybee13
Please refrain from trying to circumvent the language filter.

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Thank You all,

No it was never my intention, i do utterly regret this situation. i had more than enough money on my oyster to pay so there was no reason why i wouldnt.

something similar has happened same station swiped in when i got to my destination swiped out, later that day wanted to make a top up on my oyster and i was told i had a negative balance of £5 plus when i asked at the station what happened i was told i didnt touch in or out, so i got charged an incomplete journey. journey should have cost 65p. This was an innocent error on my part.

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