advancedketoneplus taking money & Advice Re: Bank refusing CPA

[CerberusSco]

I'm helping a friend with http://www.advancedketoneplus.com/ who has been charged £94.97 after her free trial had expired.

 

However, it wasn't explained to her that after the 14 day trial she would be charge a regular, monthly CPA of £94.97.

 

She has contacted her bank this morning and the bank are refusing to help her.

 

Is there anything that can be done to get this refunded?

 

Obviously if she paid by Credit Card then she can contact her card issuer and look at a refund.

 

Can we look at a chargeback route if she paid by debit card?

Does the bank have a duty to refund her or help her more than they have done?

 

The company that provide the above weight loss supplements have already had an ASA judgement against them regarding their T's & C's - http://www.asa.org.uk/Rulings/Adjudications/2013/3/Beyond-Nutra-Ltd/SHP_ADJ_217447.aspx

 

She just wants her money back from her bank as she has 2 children and is on Student Finance, so things are a little tight.

She has the product still sealed, unused and in the original packaging.

 

Thanks.

[dx100uk]

sound very much like the lift & glo issues

 

[type that in our search of the grey toolbar uptop.]

 

the bank are sadly wrong here

 

name and shame them.

 

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,

y.ou 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

.

http://www.theguardian.com/money/2012/feb/24/continuous-payments-authority-know-your-rights?newsfeed=true

..

.

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

.

Also mentioned your displeasure that as whomever took your money had obviously attempted this many times

probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.?

[CerberusSco]

dx as per you're a legend.

 

The bank in question is with NatWest and I am currently constructing a letter on behalf of her to send to her bank stating the above.

 

The company in question is:

 

Inter Nutra LTD

D11 Glyme Court

Oxford Office Village

Langford Lane

Kidlington, Oxfordshire

OX5 1LQ

United Kingdom

 

A letter will also be winging it's way to the MD, a Mr Allan Neyman.