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    • Hello   Just found this on paypal website (uttterly shocked):   Read your user agreement:   3. Funding Sources   3.1 Linking your Funding Source. You can link or unlink a debit card, a credit card, a pre-paid card (in certain cases), a bank account and/or PayPal Credit as a Funding Source for your Account. Please keep your Funding Source information current (i.e. credit card number and expiration date). If this information changes, we may update it at our sole discretion without any action on your part, according to information provided by your bank or card issuer and third parties (including but not limited to our financial services partners and the card networks). If you do not want us to update your Funding Source information, you may contact your bank or card issuer to request this or remove the Funding Source in your Account Profile. If we update your Funding Source information, we may retain any preference setting attached to it.
    • its a lacking on our part  and yours as you didn't WRITE. instructing not to honour ANY payments to PP but that's NW for you.   you need to cancel the CPA.   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    
    • Do you ever sleep?  Just as well you had a holiday to have  a bit of a rest 😀   More seriously, well done on all your legwork, this Annie is damn lucky, all your preparation will stand you two in good stead for sending VCS back under their stone.
    • Hello again   So just a brief update.   A month ago I cancelled all bank direct debits and debit cards on file with paypal and explicitly stated to my bank Nationwide over the phone to ensure they block PayPal from making any deductions or payment requests. I since got a new debit card and have not logged into paypal since.   Randomly I received an email from paypal yesterday stating that I made a payment of £1.00 to ebay. I couldn't understand how this could have happened if paypal don't have any payment details of mine. I logged into my bank app to confirm and saw a £1.00 ebay paypal fee. I logged into my paypal account and went into the payment section and to my disbelief they had my new debit card on file. I immediately rang up nationwide and asked how this could have happened and they said the following:   That it is not unusual for companies like paypal to contact Visa and request new debit details if the one they have on file has become unuseable or has been cancelled etc.    I said that this surely must be illegal and asked them why the transaction wasnt blocked in the first instance like I requested. They told me when it comes to visa it is out of their control. I obvioulsy lost it with them and threatened to close my account in which they put me on hold, then came back and said they have put a block on paypal and asked visa to refuse requests for debit card details in future. I have since cancelled my debit card and requested a new one.   Paypal have clearly made an attempt to get access to my bank account/debit card by means without my knowledge or consent. They also seemed to have tested whether the card works with a £1.00 sellers transaction fee which I dont know what its for. Luckily they have not been able to deduct the £925 but obvioulsy could have done if I hadnt noticed the fact they got my new details.   What should I do now regarding this? So far only the financial ombudsman seem to be willing to pursue and help me with the original claim wih PayPal but I feel this is something additional that requires investigation.   any of your thoughts are welcome.   Thanks
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cerberusalert

Provident Financial - Panorama – Undercover: Debt on the Doorstep is on BBC1 at 8.30pm tonight

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Mentally ill woman 'given doorstep loans by Provident Financial

 

Investigators went undercover at Provident Financial, which has 1.8million customers, and say they found cases of lending that appeared to breach industry guidelines.

 

They interviewed the mother of the unnamed woman, who requires constant care but was allegedly given loans totalling several thousand pounds over a number of years.

 

 

 

The investigation, carried out by the BBC’s Panorama programme, claims one of the company’s agents acknowledged that the schizophrenic woman was ‘not all there’.

 

The programme also claims to show a Provident seller calling on another customer and accepting that she doesn’t think the woman can look after herself.

 

The company said: ‘Provident has strict policies to prevent loans being advanced to anyone it believes does not have the mental capacity to understand the terms of the loan.

 

‘However, with 1.8million customers we recognise that we will not always get it right and if we make a mistake we work hard to put matters right.’

 

Panorama – Undercover: Debt on the Doorstep is on BBC1 at 8.30pm tonight.

 

http://www.dailymail.co.uk/news/article-2211006/Mentally-ill-woman-given-doorstep-loans-Britains-biggest-lenders-despite-knowing-schizophrenic.html


Anthrax alert at debt collectors caused by box of doughnuts

 

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Shall watch with interest.


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apr 2943%[/QUOte

 

Disgusting, usuary!!!!


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Wish I'd have known about the filming for the program a while ago as I know of someone who was given a loan from one of the door steppers and the agent faslified the documents.

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See that woman throw her teddy out the pram when she realised that her "client" had paid Shopacheck instead of her - how sad never mind - and of course we never call our clients names to their faces - disgusting people


PGH7447

 

 

Getting There Slowly

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Pathetic/Twisted sales personnel selling to those who most illafford such loans!!


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I got one of these "Provvie" loand a few years ago when I lost my job.

 

I had no intention of paying it back though.

 

I got £200 at £10 per week for 32 weeks.

 

I paid once, then just ignored the door.

 

After 12 weeks I then paid £1 as, there is nothing they can do if you pay every 13 weeks.

 

Then after a while it gets passed to their pathetic inhouse DCA CK HeadButt who throw thier toys ot out the pram.

 

I havent heard from them for over 12 months now - think they gave up. Or realised they were wern't going to win lol

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I got one of these "Provvie" loand a few years ago when I lost my job.

 

I had no intention of paying it back though.

 

I got £200 at £10 per week for 32 weeks

 

 

I paid once, then just ignored the door.

 

After 12 weeks I then paid £1 as, there is nothing they can do if you pay every 13 weeks.

 

Then after a while it gets passed to their pathetic inhouse DCA CK HeadButt who throw thier toys ot out the pram.

 

I havent heard from them for over 12 months now - think they gave up. Or realised they were wern't going to win lol

 

 

As much as we all dislike doorsrep lenders CAG does NOT condone debt avoidance!

 

BRIGADIER2JCS


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Provident is a responsible lender and currently 80% of our loan applications are turned down

 

find that hard to belief


:???: what me. never heard of you never had a debt with you.

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Sounds like load of........................!!!


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In 2009, the children's charity Barnardo's published a highly critical report about the impact on families of being forced into the arms of door-to-door lenders. Its assistant director of policy, Neera Sharma, said last night: "Provident's profits are rising, making more and more money from the most hard up. Needy parents should not be forced into this downward spiral of debt, which can leave them feeling hopeless.

 

http://www.independent.co.uk/news/uk/home-news/doorstep-lenders-make-money-out-of-misery-2192460.html


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Over the years these parasitic lenders have exploited those in difficult circumstances, wthin the ''community'' that I worked in fo ver 40 years no small number of individuals and families have suffered at their hands.


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