AOL - still taking money from hubbys account

[Carlybird]

Hi Folks

 

 

I really hope someone can help me.

My husband was in a previous relationship that the OH abused his bank account and got him into debt.

One of the things she did was use his bank details for an AOL broadband account. The account was in her name but with his account details.

This was in 2006.

Despite phoning them several times and speaking to his bank they are STILL taking appx £30 every month.

We need to get this stopped and would like to claim in back as its fraud.

 

Any help of where to start would be gratefully appreciated.

 

C x

[ericsbrother]

Tell the bank to stop the payments. They have to do as instructed or they become liable for the losses. If they ahve ignored his written instruction then he would be entitled to recover the money from the bank. Phoning up is an absolute waste of time as it means nothing. Write or visit the branch where account is held

[dx100uk]

you should get it all back under the dd guarantee scheme.

 

dx

[ericsbrother]

Forgot to say, if you can prove that account was set up without authorisation the bank has to refund all the monies but your hubby will probably have to sign statements and go to court as a witness. I canr undersatnd why it has taken so long to take action, when did he first raise the issue with the company/bank?

[Carlybird]

Forgot to say, if you can prove that account was set up without authorisation the bank has to refund all the monies but your hubby will probably have to sign statements and go to court as a witness. I canr undersatnd why it has taken so long to take action, when did he first raise the issue with the company/bank?

 

It's not a DD it shows on the statement as a recurring visa transaction.

He went into the branch and they said he would have to contact AOL which we did last year.

Hubby not very proactive so iv decided to try and deal with it.

The unusual thing is that he has new cards every two years so how are they managing to take it as its not a direct debit.

[dx100uk]

aha

 

you might have luck using this info then

 

pers i'd question the bank upon the point you raise

 

WHERE did they get the new card numberfrom/

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

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.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

dx

[Carlybird]

Hi DX

 

Thanks for this - will get the letter off this week.

 

C x