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I have just checked my bank statement

 

and have found that this company have taken money from my account without my permission,

 

obviously a debt has been passed to them but do they have the right to do that

 

as i have never given this company my bank or debit card details

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Hi,

 

Whats the history with this debt ?


 
 

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I this some kind of payday loan or subsciption, account.


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If you had recurring payment account set up with a creditor and ROXY have aquired the account then they will act on ''the permission'' given on the original agreement.


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i don't know I have no correspondence with them and it was taken from debit card, I have not set up an arrangement with them, so i have no idea what it is for

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contact your bank and cancel this ongoing debit payments, quote to them the company details, and have you read above attachment?


:mad2::-x:jaw::sad:

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Have you had an account with any company paid by recurring payments fom your debt car.???

 

Two things to do cancel the card, and instruct the bak that ROX are not authoried to take payment.

THEN check your credit files it should give an insight as what the debt is.


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http://whatconsumer.co.uk/visa-debit-chargeback/

 

 

- The FSA website clearly states "The bank must make the refund immediately".

.

- The FSA website clearly states "Your bank must 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 conclusively proves you authorised a payment".

.

- The FSA website clearly states "Your bank must only refuse a refund for an unauthorised transaction if 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."

.

- The FSA website makes no mention of a 15 day wait due to having an "existing relationship" with the retailer/payee.

.


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dx, could i use that against santander who allowed payments through when there was no money in the account or would that be bcobs all the way?

 

bcobs.


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