lloyds debit card charge back PDL companies raiding me - they so NO CHARGEBACK!!

[paxon]

I have had some unauthorized payments leave my account and Lloyds tell me that , the payments have to clear before they can put a charge back in place.

 

Does anyone know if that’s correct or am I being fobbed off?

[dx100uk]

you are being fobbed off!

 

chargeback is immediate

and they should investigate afterwards.

 

what are they payments...

 

dx

[paxon]

Sorry for the late reply. there have been payments taken from my account yesterday for pay day loans. The problem is the bank say it has not cleared yet so I have to wait a few days as they can not see who took the payments.

[dx100uk]

they are spoofing you....

 

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

[dx100uk]

moved tyou to the PDL forum

 

have a read here of some threads here

 

you ARE being fobbed off!!

 

dx