pointpay take 40 per month from my halifax

[shineygirl]

I have called Halifax twice about a company called pointpay.

 

 

they are taking money each month, I have no account with them, have emailed them. Called halifax.

 

I had one payment pending this weekend which I need for a flight tomorrow. Halifax want to open a long investigation but wont stop the pending payment.

 

what can I do

[padja]

how are they taking it? direct debit? standing order? If you have no account or any business with them I would say its theft or fraud (I could be wrong on that) and I would personally talk to police. if its standing order or direct debit quite easy just cancel either one

[maroondevo52]

Didn't buy an electric toothbrush did you ?

 

http://forums.moneysavingexpert.com/showthread.php?t=4452341

[shineygirl]

Yeah unfortunately but never actually did anything with them. Asked the bank to stop two months or 80 pounds ago.

 

most bothered with the current month

[shineygirl]

It is like a standing order but on my debit card

[shineygirl]

Never received toothbrush

[topcat1802]

Sounds like a continuous payment authority. In most cases, you should be able to cancel by contacting the company taking the payment and asking it to stop. However, you do have the right to cancel directly with your card issuer (your bank). Once you have done this, it must stop payments immediately – it cannot insist that you agree this with the company taking the payment first.

 

 

Any related payments taken after you ask for a continuous payment authority to be stopped are considered to be unauthorised transactions. Card issuers must refund these payments and any related charges immediately.

 

 

If payments continue, contact your card issuer to arrange a refund. If it fails to do so, you should make a complaint to the card issuer and, then, if you are not satisfied with its response, take the complaint to the Financial Ombudsman Service.

 

 

Maybe the threat of this action will be enough to get your card issuer (the bank) to stop payments, so tell them unless they stop payments you will be contacting the FOS.

[renegadeimp]

Halifax are very well known for ignoring the rules. Their staff are woefully undertrained, including most branch managers.

[shineygirl]

I think they have stopped now, I called halifax again today. the last two months were particularly annoying because Id already contacted the bank.

[shineygirl]

The guy on the phone with Halifax was a bit unhelpful too, like we cant do this for you, cant do that, you did this. Oh well!

[renegadeimp]

They CAN. As i already said, the reps, especially the min wage phone reps are VERY undertrained and have to adhere to strict time limits on calls. They basically dont want to put any effort in.

[shineygirl]

Halifax fraud dept want to talk to me tomorrow, I was wondering if it counts as fraud and if it is worth to keep talking to the bank to get a refund. I get really different answers from them ranging from we are going to reverse all payments to we cant do anything. Is it better to write it off or keep on with it

[renegadeimp]

Why would you write it off if you never authorised the payments? Is there something you havent told us?

[shineygirl]

No just thought it might be hard with the bank. Already called them about 8 times and wrote one time

[renegadeimp]

The bank is fobbing you off. I would be getting actionfraud involved so the bank are forced to do something.

 

The reason the bank is unwilling to help is because there are tens of thousands of people like you that wont complain or force them. The bank then thinks they can ignore regulation as nobody will challenge them.

[yesilgozlerim]

You should ring the bank back and get them to put u through to visa disputes or give you a number to contact them directly.

[shineygirl]

I had an email from actionfraud saying that the investigation was completed, when I registered I sent the crime ref number to halifax but no joy. Have called multiple times. They always say they are only refunding to the date which I called them first. Which isnt the first time I called actually.

[shineygirl]

Any help would be great. This also caused bank charges

[renegadeimp]

You need to get a full complaint direct to the CEO and also consider court action if they mess you about. Stop dealing with the silly call centre monkeys and go right to the top.

[shineygirl]

You need to get a full complaint direct to the CEO and also consider court action if they mess you about. Stop dealing with the silly call centre monkeys and go right to the top.

 

I tried to write to the CEO and was redirected to the 'appropriate department' and I said not on the phone and they are phoning. Is there a legal way I can write to them which is more serious, I already attached actionfraud verdict

Edited April 3, 2014 by shineygirl
mispelling