LLoyds refusing credit card cpa on ongooing Gambling site Card Fraud

[jimmy mumu]

Is there a template letter to cancel a CPA. My father has just been charged £200 on a CPA from iwg. Need to cancel asap. Thanks

[fkofilee]

Check the Library in my sig

[dx100uk]

you cant really do it like that

you need to ring them.

 

 

from my notes:

 

 

 

 

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

[jimmy mumu]

having major troubles with lloyds over this now.

 

 

every month for the last 3 months a payment 0f $167 has gone out to IWG BAAR,,

my father know nothing of this, it's from his lloyds platinum card.

 

 

he rang lloyds up in April to query the payment who assured him no further payments would be taken.

since then another payment has been taken.

he immediately rang up lloyds who said that IWG was using his card for internet gambling sites,

they said that they was inputting the card details straight into the website.

he doesn't even know the company, has no internet etc.

 

It was reported as fraud and he has just received the paperwork through to confirm he gave no permission for the payments,

 

 

on the letter it now states it is a CPA and could he not just contact IWG.

 

 

They are investigating it but i'm concerned that they won't help him.

 

 

Where do i go from here. at 83 years old it's the last thing he needs. thanks

[dx100uk]

as per my last post

 

 

the BANK MUST cancel the CPA and refund all transactions under its usage.

 

 

as for the card , get it cancelled and a new one issued

 

 

have you got the incident number from action fraud

that will cure it too

 

 

dx

[jimmy mumu]

thanks, never new about action fraud

[dx100uk]

well you didn't tell us in april what was going on

else we'd have told you then.

 

 

dx

[jimmy mumu]

to be honest, i thought i had it all in hand. it seemed just a question of cancelling a cpa. since then it's taken on a mind of its own. thanks

[jimmy mumu]

further update,

 

 

just spoken to the fraud dept at lloyds and

 

 

they are now saying that his card details are being put into a on-line gambling site,

 

 

i explained that he has given no one permission to use this card for any reason nor would he know how to use the internet.

 

 

as far as i am aware that constitutes fraud but

 

 

according to them this goes back to at least June last year so it's more of a dispute than fraud.

 

 

she said they will look more into it and keep us updated.

 

 

any further ideas please .

 

 

thanks

[dx100uk]

have you got actionfraud onboard?

 

 

dx

[jimmy mumu]

have you got actionfraud onboard?

 

 

dx

Yes I have, crime number etc. Though since it was reported to them I have heard nothing..

[dx100uk]

good and you have told LLoyds fraud debt the ref number too.

 

 

you don't have to tell them you've heard nowt mind

but it gets them moving forward if they know the police are involved

you can use it pressure LLoyds fraud to get their finger out too.

 

 

dx

[jimmy mumu]

well this hasn't gone well. did as suggested above , fraud dept say its more of a dispute, to which i replied "how can it be a dispute if he's not agreed to use of his card" then they said they are not responsible because he gave his permission to IWG BAAR. who have no phone number email address etc.. so confused by it all. one minute they are saying it's a CPA then there saying someone is actually putting his card details into the gambling site and now they say it's a CPA again. all supposedly cancelled now but I've heard it before

[havinastella]

Sue them!

[BazzaS]

well this hasn't gone well. did as suggested above , fraud dept say its more of a dispute, to which i replied "how can it be a dispute if he's not agreed to use of his card" then they said they are not responsible because he gave his permission to IWG BAAR. who have no phone number email address etc.. so confused by it all. one minute they are saying it's a CPA then there saying someone is actually putting his card details into the gambling site and now they say it's a CPA again. all supposedly cancelled now but I've heard it before

 

 

Dear fraud dept., (and the clue is in the name!)

 

If it is a CPA, cancel it, and return all monies, as he never gave his permission and it is fraud.

If it is card details being entered, since he never did so & never gave his permission, it is still fraud, so cancel that card and return all monies.

 

Either way, he never gave authority, it is fraud, and you are the fraud dept. How you sort it is up to you, but it is still up to you (both preventing any further fraudulent transfers out, and returning the monies fraudulently removed).

 

Without his authority, it isn't a dispute, it is fraud.

You have the crime reference number.

Please now sort this, and if you do not:

A) please issue me a "final response" so that I can take this to the Ombudsman,

B) please consider this letter as a "letter before action", as I may take legal action to recover the sums your organisation has allowed to be fraudulently removed from my account.