Orange demand

[Deedee_UK]

Last week, I came home to a letter from Orange stating that they were going to take a 'delayed payment' at the end of the month.

It said, that in November the debit card payment I made did not go through.

On checking my bank statement, I can see this is true to fact.

 

However, the previous month I had been on holiday and my bill was excessive.

 

Since them my circumstances have changed dramatically and if this payment goes through I will be in financial hardship.

 

I contacted orange who said I needed to ask the bank to cancel this.

 

They informed me that they could not do this as I owe the money.

 

I'm not disputing I owe the money, I just need some time to get this together etc

 

I have contacted every department I can, with no out come. Email after email and no reply.

 

It's making me ill with worry

[maroondevo52]

Hello and Welcome,

 

Sorry, who said they could not cancel this 'delayed payment', the Bank or Orange ?

[Deedee_UK]

They both did

[dx100uk]

so you pay by direct debt

 

dx

[Deedee_UK]

No I paid by debit card... The letter states as this payment was already authorised they can take it now.

Orange and Barclays have confirmed this.

[dx100uk]

wrong typical Barclays...

 

see the cpa bit in this:

 

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

[Deedee_UK]

Thank you for your advice... I'm at my wits end. I'm going to try everything you are suggesting

 

I appreciate your time

 

Deedeee

[path_finder]

sorry to disapoint you, but the advise from dx100uk is incorrect, this is not a regular payment as you have called to make a single payment to pay a single bill. As you have done this on the basis that the funds would be taken from your account and given an authorisation code.Any company that you make a payment to has up to six years to claim that payment, your bank is not oblidged to cancel the payment

[dx100uk]

sorry to disapoint you, but the advise from dx100uk is incorrect, this is not a regular payment as you have called to make a single payment to pay a single bill. As you have done this on the basis that the funds would be taken from your account and given an authorisation code.Any company that you make a payment to has up to six years to claim that payment, your bank is not oblidged to cancel the payment

 

no!!

 

dx