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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Halifax dispute the fraudulent transaction on my account, help needed please


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Hi,

 

Ive recently had a fraudulent payment from my bank account,

 

the Halifax have said they dont see it as fraudulent and have refered it to there disputes team,

 

as a result its cost me £110 &

 

today they have offered a £40 compensation payment to me,

 

can anybody help me please &

 

also can someone advise how I should proceed.

 

many thanks lee

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explain what you mean by fraudulent

what has happened

 

dx

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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I had 2 payments in total takne from my account,

one has been refunded in full without hassle

 

the second however they are disputing,

it was to moneywarehouse.com,

it wasnt done by myself

however they seem to disagree,

 

they also have sent me a letter I received last friday in another persons name at my home address,

god knows how or why but they did,

 

I had a second letter that the Halifax fraud department sent to me,

 

I had to sign this and return it for the refund they did.

 

The fraud dept sent me 3 pages

2 from my own account and

a 3rd from someone else's account,

with full card details available & bank account number,

with home address & full customer name,

 

my main concern is that Ive recently had fraud on my account,

 

how can the Halifax be secure when their own fraud dept cant respond accordingly?

 

Most of all Im stressed with all the hassle as Ive had to take items to the pawnshop to have disposable cash at home,

 

Im down £110 & the Halifax offered me £40 in compensation today,

which I took as an insult rather than a solution to the issue.

 

your help would be most appreciated

 

lee

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Well don't accept the payment UNLESS it on top of the money you say was taken fraudulently.

 

As for the breach in data, that will be a matter for the ICO to deal with.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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visa chargeback or cancel the CPA.

 

GENERAL NOTES ON CHARGEBACK & CPA

.....

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.?

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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I got a letter from Halifax today, apologising for there mistake and confirm ing they have credited my account with £40 compensation, I didnt agree to that lol

They are really starting to take the p### now, whats best for me to do, do I keep it and thank them but tell them I will try to get back what Im owed?

 

thanks

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Ive contacted the bank to cancel all payments for now, Im currently filling in the FOS paperwork to post off tomorrow, Im unsure how to react with Halifax crediting the £40 compensation they offered me, can I keep it & just say sod you or should I leave it and close my account?

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