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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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Hi guys,

 

I recently admitted a debt to a creditor and had a decree granted. I arranged direct with the creditor a monthly payment plan of £85 and informed them that i would set this up as a standing order through my online bank. I have not done this properly and it turns out payments have not been getting sent.

 

I only found this out after receiving an e-mail from my employer saying that someone called Amanda called looking for me with a number to call. Turns out it was a Sheriff Officers in Glasgow saying they have a "Charge for payment" to deliver to me from the creditor.

 

Will i be able to pay my arrears from the payment plan and set up a DD direct with the creditor or will i have to do something else? I can not afford to have an earnings arrestment, it wouldn't be worth me working if i did in my situation.

 

 

Thanks

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Hi,

 

I take it this is not Council Tax.

 

You will have to contact the Sheriff Officers with an offer of repayments and stick to it, do not offer any more than you can comfortably afford.

As for the arrears I would think they would let you include them in your repayments.

 

If you don't act swiftly they will go for a wages arrestment.


 
 

Any advice I give is honest and in good faith.:)

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Hi,

 

I take it this is not Council Tax.

 

You will have to contact the Sheriff Officers with an offer of repayments and stick to it, do not offer any more than you can comfortably afford.

As for the arrears I would think they would let you include them in your repayments.

 

If you don't act swiftly they will go for a wages arrestment.

 

Thanks for replying!

 

Its for an old car i handed back but still owed money on after the sale etc.

 

I spoke to the Sheriff Officers who have said they are acting on behalf of Optima Legal, a Solicitors in Glasgow. Should i call them or the car lender? To be fair, the car lender can be quite aggressive

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I'd deal with the Sheriff Officers, when you spoke to them was there any mention of making repayments.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I'd deal with the Sheriff Officers, when you spoke to them was there any mention of making repayments.

 

No, She just advised me that they had to hand deliver it to me on the instructions of Optima. When i told her about the internet banking payments, she asked if i wanted to pay the debt? and i said yes. She said it would be best to speak to Optima.

 

The girl i spoke to wasn't the officer, she was what sounded like, an admin worker or tracer? She called my HR dept in London (god knows how she found out who i was working for. Only way i can think, is its on my Facebook profile) and they then e-mailed me telling me someone called Amanda at ****** number was trying to contact me.

 

I asked if i could pick up the letter in person and she saif she would get the Sheriff Officer to call me on Monday when he was back in the office.

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Hi,

 

If you feel you can deal with the Origional Creditor rather than the Sheriff Officers then do so, though I think you can apply for a Time to pay order.( I've pinched the next bit from IdaInFife, Site Team )

 

Once they serve the charge for payment you have 14 days to respond, You can find a time to pay order in here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?185249-Have-you-received-a-charge-for-payment-arrestment-summary-warrant

 

Print it off and fill it out.

 

I would advised that you attach a full budget sheet with it rather than the one on the form and just mark attached over the one on the form.

 

you can use this budget sheet in the library

 

http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

you must return this to the issuing court no later than 14 days from the date on the charge for payment, hand it in and get a receipt if possible if not send SD.

 

If you do not respond to the Charge for payment they can then go for a Wages arrestment or Bank Account arrestment.

 

There's a table of wages arrestment here................

 

http://www.legislation.gov.uk/ssi/2009/395/schedule/made

Edited by maroondevo52

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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Thanks Maroon.

 

 

I'll call them tomorrow and explain the situation and see if i can resolve it.

 

Does the 14 days start from when i actually receive the documents or when they confirm i still stay at my address?

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I would think 14 days from the date you receive the charge.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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I would think 14 days from the date you receive the charge.

 

Got you

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Just another note, Can i apply for a time to pay even though i have had an arrangement in place with the creditor to pay the £85 a month?

 

 

 

I'd say you can as you have not missed payments on a Time to pay, the charge for payment gives the debtor a final opportunity to settle the debt or negotiate payment terms before enforcement action is taken.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I'd say you can as you have not missed payments on a Time to pay, the charge for payment gives the debtor a final opportunity to settle the debt or negotiate payment terms before enforcement action is taken.

 

 

Ok, so i have spoken to the car company this morning and explained the situation. They were quite stern in saying that the charge for payment was issued due to me not keeping up with my arrangement with them (all my own fault to be fair)

 

 

I asked if i could clear my arrears at the end of the month and continue on the £85 arrangement and she said that she would not stop any arrestment action until the arrears had been cleared. She also said that even when i do clear the arrears, the earnings arrestment will not go away, it will just sit in the background and be enforced should i default on the arrangement again.

 

I don't get paid till the end of the month! I have not retrieved the Charge For Payment in my possession as yet so will there be enough time to sort this out?

Edited by ronzo9

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Sorry to be a pest, Im worried about the 14 days to respond to the charge for payment!

 

 

I still haven't been delivered this and don't have any documents relating to it. Will i still be in the 14 days or will this commence from the date i physically get this?

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The charge must be served and the 14 day period must have expired before any enforcement action can be sanctioned.

 

A charge is a formal request, in writing, served on a debtor demanding payment due within a particular period of time. It also warns the debtor that if payment is not made within 14 days, enforcement action can start against her/him. A charge is valid for two years but a creditor can have a further charge served within or after the two years.

 

When a charge is served, a debtor can apply to court for a time to pay order as long as s/he has not already had time to pay the sum due under a time to pay direction, or a time order under section 129 of the Consumer Credit Act 1974.

 

If Decree has been granted, I am at a loss to understand why your employer would be contacted by telephone as your home address would be included in the court documentation and should have been served to that address.

 

Are you absolutely sure that Decree has been granted, the reason I ask as that some Sheriff Officers also include a debt collection department ( which is an entirely different Beast with no powers of enforcement)

how much is claimed on this account and do you have additional debts as there may be other options worth considering ?

 

The Debt Arrangement Scheme for example stops all enforcement action including arrestment.

Edited by Crocdoc

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Do not ignore a charge for payment.

 

You have 14 days from the date on the a charge for payment to apply for time to pay order.

 

I would recommend you follow moroondevos advice and get it back to the issuing court.


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Do not ignore a charge for payment.

 

You have 14 days from the date on the a charge for payment to apply for time to pay order.

 

I would recommend you follow moroondevos advice and get it back to the issuing court.

 

I would agree, however the problem here is that the Charge has not been served, we only have verbal that it exists. That is why I suggested DAS as a possible option as an intimation in advance to the Accountant in Bankruptcy would stop any enforcement action including Arrestment even if it appeared during the setting up process.

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Ahh yes now re-reading the initial post the charge has not been received as yet


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