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seanmac

Stemologica

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What is puzzling me is that everybody complaining about this Company, my wife included, signed up for 1 Trial offer.

 

She received two emails, 1 from Stemologica and 1 from Beautemer confirming Kit has shipped.

 

Each order had a different Order No. Stemalogica Order ID: NL4-9ML5D , Beautemer Order ID: NL4-NMLST.

 

Both orders arrived in 1 Package. 3Items from Stemalogica and 1 item from Beautemer.

 

My debit Card was debited £9.95 for C P TO stemalogica.com,9 and £3.95 by C P TO beautegold.com,3.

 

2 Accounts were registered for on each of their websites with an autogenerated password and an AutoRefill ticked @ £49.95 in each.

 

Is that a similar experience for everybody else?

Edited by seanmac

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yes

 

its a spoof that is happening all around the world

 

there are threads here which detail how to go about getting redress

and where to do it.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I would like to know if my experience is similar to that of everybody else who signed up for the Stemologica and similar company Trial Offers?

 

My wife signed up for 1 Trial offer from Stemologica..

 

She received two emails, 1 from Stemologica and 1 from Beautemer confirming Kit has shipped.

 

Each order had a different Order No. Stemalogica Order ID: NL4-9ML5D , Beautemer Order ID: NL4-NMLST.

 

Both orders arrived in 1 Package. 3 Items from Stemalogica and 1 item from Beautemer.

 

My debit Card was debited £9.95 for C P TO stemalogica.com,9 and £3.95 by C P TO beautegold.com,3. 2 amounts even though 1 offer was taken up.

 

2 Accounts were registered for her on 1 on Stemalogica an 1 on Beautemer websites with an autogenerated password and an AutoRefill ticked @ £49.95 on both sites.

 

She did not physically register either account on any of the sites.

 

Then 2 payments of £97.50 were taken from my Bank account at the end of the trial period.

Edited by seanmac

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Have you contacted your bank and asked them to cease making any further payments ?


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Yes!

Have logged into both sites and unticked the AutoRefill monthly payments.

What is the legal position re signing up for one offer and being signed up for another?

I didn't authorise the payment for it, neither did I register the online account with its AutoRefill order.

Edited by seanmac

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Ignore anything you did online with this outfit, simply demand your money back via Visa debit chargeback, the bank should know this is a well worn con when you mention the name.

 

Instruct your bank to stop all further payments to them, and cancel any CPA they might have set up.

 

And finally report them to Action Fraud and/or your local trading standards.


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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GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS

.....

We have been telling people to put a letter into their bank instructing them

not to make any payments under any circumstances to these companies

.

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

usually this should be done using the number on your debit card

.

banks MUST follow written intructions from their customers !

.

This fsa guide has now been updated:

.

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf

http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel

.

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,

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.

and that CANELLING YOUR CARD WILL NOT STOP THE CPA

.

..

.

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.”

.

.

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.?

.

.In the FSA's own words:

.

..

What should I do about a payment from my account that I didn’t authorise?

.

Your bank must refund an unauthorised transaction.

Money can only be taken from your account if you have authorised the transaction

or if your bank can prove you were at fault –

.

see below.

Contact your bank immediately if you notice an unauthorised payment from your account.

.

If you are sure you did not authorise the payment, you can claim a refund.

.

However, your bank does not have to refund you if you do not tell it about the payment until 13 months

or more after the date it left your account.

.

Your bank must refund an unauthorised transaction

.

------------------

.

Your bank may only refuse a refund for an unauthorised transaction if:

.

? it can prove you authorised the transaction

– though your bank cannot simply say that use of your password,

card and PIN proves you authorised a payment; or

.

? it can prove you are at fault because you acted fraudulently,

or because you deliberately,

or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction

.

-----------------------

.

How quickly must my bank refund me for an unauthorised transaction?

.

The bank must make the refund immediately unless it has evidence that one of the above reasons applies.

Your bank may ask you to answer some questions and fill out a form confirming what has happened,

but it cannot delay your refund while it waits for you to return the form.

If the bank has evidence that one of the above reasons for refusing a refund applies,

it may investigate before making a refund

but must look into it as quickly as possible.

If your bank rejects your claim for a refund it should explain why.

If the transaction was on a credit card, the refund may not happen immediately.

But the card issuer cannot charge interest or ask for repayment of the amount unless it can prove you are liable to pay


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2015 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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