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Daughter pressured into giving bank card details to makeover and photo studio.


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Good evening to all.

 

My 17 year old daughter has been foolishly duped into giving her bank card details to one of these makeover / photo session studios today and was hoping to get some advice on how to deal with the matter.

 

It started with her being approached recently in the high street by a young lady who took her contact info and said that she would be entered into a competition for a free makeover, photo session and complimentary picture.

 

She subsequently received a call today from a guy to announce that she was one of the lucky winners and he proceeded to take her card details for the purpose of securing a deposit against the possibility of her not turning up on the day, although the deposit would be fully refunded 7-14 days after the session. She then started to become concerned over his pushy attitude and said that she wasn't sure if she wanted to go ahead with it and he became even more stroppy and said that she would lose her money if she cancelled it, he then hung up on her.

 

She finally decided to fill us in on the whole situation, so I called the bank and they confirmed that a card payment had already been processed to the company in the sum of £70.00 and they were unable to reverse it as it was still going through authorisation (which seemed a bit odd), so we would have to wait for it to show up on the statement and then they could try and recover the payment.

 

My Mrs telephoned the studio and briefly spoke to what sounded like one of the "phonejacker" brigade and he also got stroppy and hung up. Meanwhile the studio emailed my daughter the booking confirmation which also outlines their terms and conditions.

 

I would have thought that some sort of consumer protection regulations might apply here. Isn't there a requirement to have a cooling off period? Can they retain a deposit from a 17 year old?

 

I would greatly appreciate it if anyone could advise on where she stands with this situation.

 

Thanks

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Hi Welcome to CAG,

 

To the bank as early as possible in the morning and insist that the payment is charged back immediately, this kind of nonsense has been going on for years and you are correct they should not take money in this way from a minor.

 

SO CHARGE BACK required.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks for your quick reply BRIGADIER2JCS.

 

I presume that a charge back will be her bank requesting their bank to repay the money. Do you know if they are obligated to do this regardless of the circumstances?

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do it now on the phone

 

there are several threads on the same 'fleecing antics'

by these photo artists..

 

all got their money back

 

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

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Explain that as your daughter is a minor she was pressurised into making this ''deposit'' payment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks for all replies.

 

We have been onto the bank again this morning and they are still maintaining that they cannot do anything until the money is confirmed as claimed on our account / statement, apparently whilst the payment is still pending / going through authorisation on their system they cannot stop it nor can they request it be returned by the recipient bank, it could take up to 7 days for them to be in a position whereby they can do a charge back.

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  • 2 months later...

Here's an update on this, as a matter of courtesy to all who responded to me and which may benefit others.

 

Barclay's turned out to be useless, countless calls to them which resulted in different advice and suggestions of how it could be resolved each time.

 

In brief, I contacted them about a week after post no. 8 and was then told that they couldn't do a chargeback

because my daughter had effectively authorised the transaction by giving them her card details over the phone,

which resulted in a long argument between myself and the operator,

my view being that she was only given the full terms of the transaction after providing her details, at which point she wasn't happy to proceed.

 

whilst we were dancing to barclays tune, I was also emailing the studio and highlighted to them that they had taken money from a minors bank account without permission

and they had agreed by email to refund the money but carried on messing about in regards to finalising things.

 

it was back onto barclays again and they said that as we had confirmation that the company would refund the money

we could go down the "non refund of transaction route" and would send out the relevant forms after another 14 days had passed.

 

Meanwhile, we had further contact from the studio and fortunately the lady dealing with it seemed to have a conscience

and actually transferred the money to my daughter from her own personal account.

 

So a bit of a bizzare situation overall, although a good outcome and an important lesson for a 17 year old.

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Well this is something that happens far too often, I made a suggestion to a bank some years ago regarding under 18s Debit Cards that any card issued to a minor and there must be many hundreds of thousands of them should be marked clearly HOLDER UNDER 18, this would also prevent use of debit cards for the purchase of alcohol and tobacco products.

So glad this is now resolved.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Good evening to all.

 

My 17 year old daughter has been foolishly duped into giving her bank card details to one of these makeover / photo session studios today and was hoping to get some advice on how to deal with the matter.

 

Please name and shame.

"Ask not what your country can do for you, ask what you can do for Poundland"

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on the front of Barclays and chargeback

 

they are WRONG.

 

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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