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Lift N Glo Got Me too

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Hi, I'm not sure where I should post this but here's a brief outline of how I have been "conned".


I saw an advert online for a free 2 week trial of a product called LIFT & GLOW PRO (supposedly a super duper cream which instantly reduces the appearance of wrinkles and lines on its very first use). I only needed to pay £1.99 p&p for a cream that was normally mega expensive and way out of my price range. I completed the form and paid the p&p by debit card on Friday 29th March. As it was easter weekend the product didn't arrive until Thursday 4th April.


I was unimpressed the first time I used it - the packaging was cheap and nasty and the pump action dispenser didn't work properly. In a word, it was "crap".


On 16th March I checked my by bank account online and saw that a payment of £84.71 had been taken by this company.


I contacted them straightaway to query this payment and was told that as it has been a 2 week trial period,

and I hadn't cancelled the agreement, the full price of £84.71 was payable.


I explained that I had seen no mention of this on the order form and was told that it was "in the terms and conditions" on their website.


I told them I was unimpressed with the product, and certainly not willing to pay £84.71 was something which was no better than a cheap moisturiser.

I also pointed out that I hadn't had a 2 week trial as they took money 12 days after I received the product

to which the lady replied "well it was despatched".


She cancelled any future orders there and then (otherwise I would have been sent a replacement product every 3 months and charged £84.71 each time)

and said that someone from customer services would get back to me about my concerns.


I phoned my bank to make sure no future payments could be taken!


I went straight onto their website and right at the bottom of the page in very small lettering is a link to their Terms and Conditions

which confirm exactly what the lady on the phone had told me.


A further search online showed hundreds of unhappy customers who had all been "conned" by this company in a similar way.


Some people even cancelled within a couple of days and were still charged.


I received an email from customer services on 18th April saying that they couldn't get me on my mobile.


I confirmed my mobile and landline numbers. Lo and behold just after I had gone to bed that evening my mobile rang twice,

followed by my landline - 10.30pm.

I told the caller it was not an acceptable time and to call back the following morning. I have heard nothing more since.


I am really angry about this and want to take every action possible to get this money back.


The money they took was my food, gas and electric money for the entire week (I had to lend money from a relative to feed my kids).


I could really kick myself as I have never been tricked by these kind of companies in the past.


Can anyone explain whether I have a valid case against this company, as


(1) I did not knowingly give permission for money to be taken from my debit card

(2) the terms and conditions were not set out and explained clearly

(3) I had not had a 2 week trial as the product arrived 4th April and I was charged on 16th April.


Surely this kind of practice must be covered by some consumer regulation or another?


Any help would be appreciated.

The same has happened to us we are on a low income we have now lost our rent money this must be stopped .....
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We are with you all the way any thing i find out i will post . I am at my wits end they have taken our rent money all we thought we had to pay was £ 1.99 How can they get away with this ????



they are very devious ,

i tried ringing their phone numbers and i got a recorded message saying an advisor will be with me shortly

then it played some music and the line went dead so


i had no choice but to write but at least i have proof of postage ,


i did the two unfortunately lift serum pro and lift and glo pro ,

2 different websites ,

and phone numbers but one has an address in north london

and the other was in the czech republic !!


trading standards advised me to cancel both in the one letter

as it is obvious that they are one and the same company .

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own thread created

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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do a chargeback or a CPA to your bank



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... 

Link to post
Share on other sites

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.



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




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.”



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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