Old supplier recovering debt can I ignore them?

[sam joyce]

I had a supplier of broadband at my old address for a 4 year period (I left this address 2 years ago),

when I went to cancel they told me I was still in a 24 month contract with them

because I had upgraded my download limit some months previously and by their terms this meant I was in a renewed contract.

 

I disputed this as I hadnt agreed to this

the only proof they sent was a letter confirming the upgrade of my service which they didn't send at the time.

 

After many calls and what seems like hours on the phone they just brashly tell me I am in a contract and have to pay off the term to leave.

 

I was advised to send them a SAR (subject access request) with £10.00 fee insisting on the info they had that I agreed to the contract

but had no reply to it (21 months ago).

 

It was sent recorded asking to let me know what I owe of the final payment and informed them of my new address. I still have the copy letter and receipt of postage.

 

By chance I went into an old hotmail account which I was using at the time and found an email asking for some £500.00 claiming costs are still rising.

 

I would like to ignore this company at all costs as I am fed up with the time they have taken from me on the phone and in letters.

As they have not contacted me at my new address and I would have not known about it if by chance of signing into my old email can I forget about it.

 

I have spoken to citizens advice and annoyingly they mention trying to continue to waste time with the company in case they affect my credit rating.

 

Do I really have to do this...?

 

Many Thanks if you can help!

[dx100uk]

is it trashing your Credit file?

 

whos the company, Vermim?

 

dx

[sam joyce]

...last time I checked approx 8 months ago nothing but can they cause damage in the future?

[dx100uk]

whos the company please

 

dx

[sam joyce]

....they havent responded to my new address which was sent recorded but only to an old email so I could blag I didnt hear back if I reveal them here then I could have blown it!!...does it make a difference who they are?

[Old Cogger]

No who are they!

[sam joyce]

......Supanet!

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?350126-Supanet-xxxxxxxxxx-****-Resolved****&highlight=Supanet

[sam joyce]

Thanks dx100uk but this one doesnt answer my question?

[dx100uk]

never heard of supanet appearing on cra files.

 

pers i'd ignore them.

 

dx

[sam joyce]

Ah well short lived

 

I have had an email from supanet saying they are going to take £500.00 from my account 4 Jan,

 

I have spoken to Barclays and the long and short of it is I cant stop them doing it

and this is going to bust me for Christmas.

 

I can close my account but dont want to update my payment info with all my clients ( I am self employed) and change debits to new account if I can help it and why, wh, why should I ever have to be forced into this situation? this has compl

etely ruined a nice Christmas with my daughter now I have this grey cloud over me,

 

I have made a big tax payment and just about worked out money to go through Christmas and new year...

....am I able to just take them to court to get them away from me..

..how are they allowed to do this to people?

 

recap....

Joined supanet for 4 years

Upgraded download allowance 4 months before attempt to terminate

Told cant terminate as I am in 24month new contract as increase in download limit meant new contract

Told them I wasn't told at all this change would mean new contract..... to no avail

Eventually sent SAR recorded two years ago asking for info that they made it clear I was re-newing contract...no reply

Email last week for £500 odd pounds.

 

I dont know what else to say I am passed angry....any help to see some light and relax at Christmas would be great!

 

Many Thanks again.

[silverfox1961]

What utter rubbish from Sharkley. It is your money, you have control. You tell them that Supanet do not have any authority to take your money and if they refuse to stop them, you will take action against the bank.

 

Just how can Supanet take your money anyway. If they have set up a direct debit without your permission, the DD guarantee comes into play.

[dx100uk]

how did you used to pay supanet?

 

if it was by DD then cancel it.

 

as for this bit that I didn't quite take in from your 1st post..

 

they can't just 'sign you up' to a new contract without your agreement anyhow.

 

you are being had by them here.

 

dx

[sam joyce]

It was by bank card number that was for my current account with Barclays, but I have been re-issued a new card since then....so my best move is to sit tight?

 

 

"they can't just 'sign you up' to a new contract without your agreement anyhow." .......this whole dispute is that their terms say when I upgrade my account it is for 24 months, but they are classing a casual phone call to up my usage limit is account upgrade so therefore I have agreed it!....so Barclays told me as I have agreed these terms it is likely that after they refuse the payment supanet could enforce it!

[dx100uk]

right its a CPA

go cancel it and TELL Barclays they ARE NOT to honour any payment to supanet or ANYONE by CPA

unless you give them WRITTEN CONSENT.

 

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/...J/article.html

.

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

 

dx

[dx100uk]

you can do this on the phone NOW

[sam joyce]

...so the payment was cancelled/deleted online a long time ago is this sufficient?

[dx100uk]

NO CPA runs till cancelled

 

hence how these old payday loan companies are getting money.

 

cut your losses

 

do the CPA

 

Barclays obv know about it [the CPA] and it must be listed

 

as for Barclays saying they/you have a contract - NOTHING AT ALL TO DO WITH THEM.

 

they are YOUR BANK, they DO as they are TOLD with YOUR MONEY.

 

dx

[sam joyce]

....many thanks dx100uk but not clear what to do,

 

I have no listed or "live" payments going to supanet now to cancel on my account.

 

..what do you mean by cut your losses do the CPA?..

 

....so you say say "NO CPA runs till cancelled..

.so deleted payment from the list on my account online..

.sent recorded letter to supanet saying I want to end all services as of today (dated of letter)

and if you think I have a contract with you action the SAR (same letter) that confirms via phone I clearly agreed to contract which they ignored,

so have I cancelled (or tried) sufficiently you think?

[dx100uk]

CPA is never shown

if you wrote to them

they should have cancelled within 14 days

 

you owe nowt.

 

as for the CPA - you NEED to phone the bank and do as the CPA link advises.

 

dx

[sam joyce]

Thanks dx100 Christmas is looking up again....Merry Christmas!

[sam joyce]

Many Thanks dx Merry christmas!