Barclays Refuses to Cancel Continuous Payment Authority

[BRIGADIER2JCS]

Unlawful yes,illegal NO, this would have to be challenged through

due legal process, ( CIVIL LAW) not criminal.

[Conniff]

It seems that reporting or loosing a card doesn't seem to have much affect on the payments any longer, so can't even do that.

Edited June 6, 2012 by Conniff

[joesoap]

It seems that reporting or loosing a card doesn't seem to have much affect on the payments any longer, so can't even do that.

 

No it doesn't. I argued the toss about that but they've already got the details they need. I stopped the card and said "if I go to the hole in the wall, will I be able to get some cash". The answer was obviously "no". So, what's the difference. Stopped the card, withdrew authorisation but still the bank releases payment. Weighted against the customer again...!

[BRIGADIER2JCS]

The parachute account must no be set up with

a bank in the same group as the original account.

[45002]

Something to think about in the future about continuous payment from credit cards/debt cards

 

Pay as you go credit cards.

 

This card http://cash.orange.co.uk/?

 

for example,you can top up with say 100 pound and they only charge you £1.50 for the top up.

 

[joesoap]

Would anybody like to say anything about this Email reply I've just received from one of David Chan's minnions. I have been getting charge backs but it appears that Barclays have now decided to take a different stance and I won't be getting anymore.

Thank you for your email. Unfortunately, the Bank are now not able to undertake chargebacks for payments made to the loan companies, as we do not consider them Continuous Payment Authorities, as described under Regulation 55 of The Payment Services Regulations 2009. Whilst I initiated cancellation requests on your behalf as a gesture of goodwill to try and stop the payments, you will need to contact the loan companies directly in regard to your dispute

If they have decided that they are not CPA's then surely they shoudn't be letting the payments go!

[manontheweb]

Halifax Easy Cash account has no credit check and comes with VISA electron card

[renegadeimp]

@Joesoap. You really need to be in contact about that with the FSA, as barclays are wrong. What they are using IS a CPA. There is no other way of a merchant debiting the account unless a single direct payment is made. If you previously informed the bank and the PDL not to debit the account, they MUST comply. If they dont, then they are complicit in theft.

 

You MUST speak to the FSA as soon as you can about this, as it could have a knock on effect around all banks once others get wind of what barclays are doing. This could mean there is no comeback on the PDL's and they will continue to debit whatever they like, when they like.

 

The reason i say this is because all other banks currently class it as a CPA and are accepting cancellation instructions from the account owner, albeit half-heartedly. This means theres something very strange going on over at barclays and they need bringing back into step.

 

Also, contact Stella Creasy and see what she can do. Having a MP behind you with journalists read and waiting to make stories like this public will make the banks think twice.

[joesoap]

Email addies please for Stella Creasy and FSa.

[renegadeimp]

FSA: http://www.fsa.gov.uk/consumerinformation/if_things_go_wrong

 

Stella: http://twitter.com/#!/stellacreasy or [email protected]

[sequenci]

It'll be the FOS for a complaint re: Barclays.

 

http://www.fos.org.uk/

[huxleypig69]

Well if they're not considering them CPA's then what ARE they?

[joesoap]

Well if they're not considering them CPA's then what ARE they?

 

I've asked but they've not come back yet.

[joesoap]

Just sent this to David Chan

Mr Chan

Further to my previous Emails and Mr latest reply viz...

Thank you for your email. Unfortunately, the Bank are now not able to undertake chargebacks for payments made to the loan companies, as we do not consider them Continuous Payment Authorities, as described under Regulation 55 of The Payment Services Regulations 2009. Whilst I initiated cancellation requests on your behalf as a gesture of goodwill to try and stop the payments, you will need to contact the loan companies directly in regard to your dispute.

I totally disagree with this reply

What Barclays is using IS a CPA. There is no other way of a merchant debiting the account unless a single direct payment is made. As I have previously informed Barclays and the Pay Day Loan companies not to debit the account, you MUST comply. I respectfully request that you reconsider your position and make a charge back for the four unauthorised payments taken from our account.

All other banks class these payments as CPA's and are accepting cancellation instructions from the account owner. Is there one law of the land for Barclays and another for the rest of the banks?

 

I have contacted Stella Creasy MP as she has taken an interest in this type of situation. I have of course, also contacted the FSA and FOS to make a complaint.

[renegadeimp]

Ah. The good old " gesture of goodwill" remark.

[manontheweb]

tell them you will be leaving their shoddy bank and moving elsewhere.

barclays used money that was in my savings account to pay a debit from a PDL on my current account which has no overdraft. then they wrote me a letter and charged me for it

 

i have since moved to halifax

[Conniff]

I trust that when you left them you also left them with the charge they tried to put on you!

[huxleypig69]

I've had worse issues with Halifax, I'm currently taking them to court. They are worse IMO.

[joesoap]

Well if they're not considering them CPA's then what ARE they?

I asked what CPA's are and this is the reply I got........

Thank you for your email. A Continuous Payment Authority is an agreement between the customer and the merchant where a payment will be made on a certain date for a service or goods they are receiving. Eg weekly, monthly, annually, etc. Payday Loan companies are (mainly) short term monthly loans where the full balance owed is collected on a set date. If the company is unable to collect the full amount they will, on some occasions every day, seek authorisation for the payment, and then lower amounts, trying to retreive any funds available to assist towards the repayment of the loan; this is usually detailed in the terms and conditions of the merchant allowing them to do this.These merchants are not subject to cancellation requests as these are not Continuous Authority Payments leaving account; I would respectfully advise you to contact the relevant merchants.

I have of course, contacted the PDL people, does this man think I'm an idiot. I've already told him this more than once!

[renegadeimp]

Barclays are wrong. Plain and simple. you need to get formal complaints started.

[Conniff]

I asked what CPA's are and this is the reply I got........

Thank you for your email. A Continuous Payment Authority is an agreement between the customer and the merchant where a payment will be made on a certain date for a service or goods they are receiving. Eg weekly, monthly, annually, etc. Payday Loan companies are (mainly) short term monthly loans where the full balance owed is collected on a set date. If the company is unable to collect the full amount they will, on some occasions every day, seek authorisation for the payment, and then lower amounts, trying to retreive any funds available to assist towards the repayment of the loan; this is usually detailed in the terms and conditions of the merchant allowing them to do this.These merchants are not subject to cancellation requests as these are not Continuous Authority Payments leaving account; I would respectfully advise you to contact the relevant merchants.

I have of course, contacted the PDL people, does this man think I'm an idiot. I've already told him this more than once!

 

 

So what are you doing about it ?

[joesoap]

I sent another Email to David Chan (and his chum) on Friday and a reminder this morning telling him I did not agree with Barclays interpretation of the law and demanding my charge backs. In addition, I have advised him that I have complained to the necessary and informed Stella Creasy MP. So far, no reply.

[renegadeimp]

Did you complain to the banking ombudsman as well?

[joesoap]

Not yet, I was caught on the hop as Barcs had been making charge backs, even though they shouldn't have let the payments go in the first place. I am somewhat put off by the Ombudsman note.

[renegadeimp]

You don't have to report them, but it is a very good idea to do so.