Thank you. What is missing from the document they did send through originally? (Post 10)
To me I don't see;
No reference to card limit?
If they supplied the above would that make it enforceable?
The other thing that gets me is the mention of USwitch, it's alleged I applied via there, but until 2019 I didn't have a USwitch account? 😕
Thanks for the reply dx100uk, trying not to split hairs, surely I can verbally withdraw consent for any such usage of a debit card at any point which I thought I did when requesting the replacement?.
The bank has indicated the only reason the transactions were authorised despite being a replaced card was because as you say a continuous payment arrangement. Though surely this would only apply to individual products or services (games & services like Xbox live) that required an initial payment to receive such services in the first place. In the case of a free to download & play game can the same agreement really be valid as a user would never have made a pre agreement under the same continuous payment terms?.
Nw are one of the very few original creditors that do do court on rare occasions and don't like selling debts to DCA's.
but in this instance they wont go near a courtroom door and I expect sell it on.
until either of those happened i'd tell him to sit on his hands with regard to this debt.