LIFT AND GLOW - beware!!

[livewire1]

It is the same company that produces mens health stuff like Test force extreme and lean muscle.

 

They have another name 'Juveneu'.

 

The law should put a stop to companies like this.

Their stuff is total rubbish, desn't work and is extremely expensive for even stuff that would work.

They will not refund money or want anything to do with unhappy customers.

A trial period of a fortnight is not worth a light as nothing like this would work overnight .

 

Yes, i have been conned by them.

 

Even rang them and they were so 'nice and understanding' saying that all they could do was close my account

and a senior rep would ring me within 24 hours as i was a 'special case'.

Needless to say no one from that company has rang.

 

However a few days ago I immediately got in touch with my bank when

i saw two lots of £84.71 taken out of my account.

 

What makes me sick is I only ordered the one product but they sent two and charged me accordingly.

 

My bank had to cancel my card and have issued a chargeback to the company.

 

I doubt if I will get a refund as this company are just liars and evil predators.

And they will, no doubt, lie like heck to win a dispute.

[livewire1]

Did the bank get your money back Angie?

 

My bank said it would take up to ten days as they would be filing a dispute chargeback.

 

So I don't hink I will see my money again.

 

This company is totally fraudulent .

 

See my post to0day on mens health stuff by the same company.

[livewire1]

Well further to my problem with this company my bank has actually refunded, via chargeback presumably,

the trial price £3.98 ( 2x £1.99).

 

I am still waiting for the 2x £84.71.

 

But i do not understand how they can refund the trial price and not the full charge price at the same time.

 

So I still don't know whether i have won this 'dispute' ( as lloyds bank call it). Anyone know?

[livewire1]

I have been in touch with the disputes section ( based in the Philippines 3 times).

 

They say 7 to 10 days but that doesn't mean i win the dispute as i believe that even though they chargeback

the money i lost they can still lose the dispute and then I will have have to refund the money back!

 

At least I think that is what will happen.

 

I agree this company is absolutely evil.

 

They are also known as Juveneu, in Harley street!!!

[dx100uk]

all of need to NAME AND SHAME YOUR BANKS.

 

demand and stay on the phone until you GET your first card payment back FROM THE BANK

there IS NO RULE that says they have got xxx days they must wait.

THERE IS NO RULE that you must contact the retailer and ask for chargeback

 

CHARGEBACK IS INSTANT!!

 

THEN they investigate.

 

go up the ladder on the phone and don't get fobbed off!!

if no.1.wont do, it demand a supervisor , and theirs if necessary.

 

if a bank refers to this and that why they can

get them to QUOTE YOU the actual chargeback rule section that states that..

as you wish to ring the FCA advisor ...GET YOUR MONEY BACK

 

THEN

 

you need to get all the others BACK under CPA rules.

read the link at the bottom

 

all the info is below:

 

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 [now the FCA] 11:24 31/05/2013 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

and

Attach the following to your claim and in the interim period write to your bank and attach the following (Keep a copy)

Regulation 55 of The Payment Services Regulations 2009:

55.—(1) A payment transaction is to be regarded as having been authorised by the payer for the purposes of this Part only if the payer has given its consent to—

(a)the execution of the payment transaction; or .

(b)the execution of a series of payment transactions of which that payment transaction forms part. .

(2) Such consent—

(a)may be given before or, if agreed between the payer and its payment service provider, after the execution of the payment transaction; and .

(b)must be given in the form, and in accordance with the procedure, agreed between the payer and its payment service provider. .

(3) The payer may withdraw its consent to a payment transaction at any time before the point at which the payment order can no longer be revoked under regulation 67.

(4) Subject to regulation 67(3) to (5), the payer may withdraw its consent to the execution of a series of payment transactions at any time with the effect that any future payment transactions are not regarded as authorised for the purposes of this Part.

This means that you can simply ask your bank to refuse the payments, it is also good practice to let the lender know too.

So, if you would like your creditor to stop trying to take a payment all you need to do, in theory, is to inform them that you remove their authority. It's probably better to do this in writing and via recorded delivery - if possible.

You can learn more about your rights via the following fsa guide :

Ending recurring payments from credit cards

57 Recurring payments, is the term used to describe transactions for which a client has granted written permission for her/his credit or debit card to be debited for recurring goods or services, for example, club membership subscriptions, insurance cover or payday loansicon. The card may be debited annually, monthly or at other regular intervals.

.

58 In most cases, recurring payments can be cancelled by telling the trader taking the payments. However, a client has the right to withdraw consent by simply telling whoever issued the card (the bank, building society or credit card company) that s/he does not want a payment to be made. S/he can tell the card issuer by phone, email or letter.

.

59 The card issuer has no right to insist that the client ask the trader to stop taking the payment first. The card issuer has to stop the payments if the client has asked them to. The client could point out to the card issuer that they should follow the FSA guidance available in the FSA know your rightsicon booklet which is available on the FSA website at www.fsa.gov.uk.

.

59a If money is still taken from the client's account, it will be deemed to be an unauthorised transaction, and the card issuer must give her/him an immediate refund. The card issuer will have to cancel any interest and charges added to the her/his account because the payment was taken. It is not up to the client to prove that s/he told the card issuer to stop taking payments. Instead, the card issuer would have to prove that s/he did not tell them to stop making payments.

.

60 The client should make a complaint to the Financial Ombudsman Service when all the internal complaints systems within the company issuing the card have been exhausted.

I hope this information is of assistance

 

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.”

 

http://www.ftadviser.com/2013/06/28/regulation/regulators/fca-banks-have-to-cancel-recurring-payments-if-requested-UxbeHUuYQIy0SEYbGRE4tJ/article.html