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how long has it been since you first complained to the bank?

if 8 weeks has passed then FOS can be involved regardless of final response.

 

 

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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Yes theyr'e definatly messing about,

 

 

The first week i was getting passed from one person to another,

 

 

Then i got the woman who rang me up saying they had looked into it and nothing was intitled to be paid back to me,

Simply Company Policy, As it was After 13 weeks,

 

, Thats when i said Ok, That's fine, I'm taking it further,

 

 

Can you send me a Letter to Confirm You wont pay me back, So I can contact The Ombudsman,

 

 

They said,. You will recieve a Letter Stating This, Within 6/8 weeks, From Our Complaints Department, Which's Company Policy, They'll be in contact with you.

 

 

The next day, I got A Letter of them saying,

Due to Recent Issues I've 2 wks, To Open an other Account, As I'm No Longer Welcome With Them.

 

 

I then got another letter last week, Saying, They're Sorry, It's still not dealt with, And She will be in touch, By the 13 March ,

They Are DEFINATLY Messing About.

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SO theyve kicked you off because you want to claim back those insurances...

 

That goes against CONC rules, your bank should be treating you fairly... Even if they technically "Arent" a bank....

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thank you,

 

 

I know there just hoping ill leave it.

 

 

When they rang me over house insurance with them. They sounded the best. So i agread.

 

 

As it turns out they then send clients details to Millenium insurance brokers, who in turn pay the bank a percentage lol.

 

 

So ive been paying for 2 Policys i knew nothing about. Plus the brokers charge.

 

 

I knew nothing about nor agreed to.

 

 

Who would be the best to contact to try and get the money off insurance policys. Millenium. Or thinkinsurance?

 

 

Im ready to snap with bank they constantly contradicting themselves. Im getting nowhere tbh x

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have you all the statements

it might be best to simply start a reclaim

 

 

give the fos a ring and ask best thing to do

 

 

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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Just saw the mess about ringing up the fos.

 

 

Im a bad wimp on phone.

 

 

If i get nervous or panicky i stuter then hang up. So soft.

 

 

I did ring ombudsman up and they said until the bank send me a letter saying there doing no more only then can they look into it.

 

 

The bank gave me until friday gone to find a new account bcoz they were closing mine.

 

 

Yet its still open. There head workers. X

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I still say it is wrong and you can get this back under the DD guarantee

 

 

pers I'd be putting this to the FOS

 

 

something stinks very badly here.

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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Yes I agree,

 

 

I think that they've done it to loads of people as well, Who don't know about it,

 

 

On all the Forums, There's Complaints about the Company, But no one I've saw has got anywhere,

 

 

I Even come cross 2 Guys who had EBID.COM taken from there Account just like me, And they never paid out?

Yet they've just left it when the Bank has said No. I mean that £1.99 to Ebid .

 

 

They said it was set up from my Cash Card?

I Dont understand how it works,

But It doesnt change the fact that I Still Canceled The Card, Back in 2009,

 

 

Because of it, I paid £5.00 to get a New Card Re Issued,

And then 2 weeks later £1.99 Started Getting Taken Again.

 

 

When I've Complained, I've been passed from one person to another to another, Just Fobbed Off,

 

 

Then An Arrogant git, Rang last week saying, As the Ebid is past 13 Months, I'm Not Entitled to claim it back,

And they can't accept it under Fraud because of the time past 13mths,

 

 

As for the 3 Insurances, They asked why I Hadn't Mentioned them before now, ? Maybe Because I Wasn't aware of them..

Not entitled to claw back because they've been up and running for almost 3 years.

 

 

I Explained Id since had A Breakdown and had been in Hospital,

Also I Hadn't Signed for anything,

 

 

He Said, Company Policy ,

 

 

I was that p%ssed off, And Angry I was almost in tears.

 

 

You NEVER get put through to Complaints or a Manager they never transfare you to anybody,

And your on the call, On hold, For 15mins before talking to someone, It costs a fortune

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time you put the phone to bed you need a papertrial.

 

 

cancelling a card does NOT WORD

 

 

you need to cancel the CPA

 

 

see below.

 

 

rather than keep talking about all this

you need to start to act about it.

 

 

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 !

.

CANCELLING YOUR EBIT CARD DOES NOT STOP CPA'S

.

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..

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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  • 2 weeks later...

If you are discharged you can get an account with a proper bank, as already said. It might just be a cash account, but at least you can get one and it won't be costing you £14 a month. Think Money are notorious for taking your money and not putting where you can get it. You don't need them. They've done you a favour.

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