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    • its a lacking on our part  and yours as you didn't WRITE. instructing not to honour ANY payments to PP but that's NW for you.   you need to cancel the CPA.   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 DEBIT 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 https://www.fca.org.uk/consumers/unauthorised-payments-account  .  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 CANCELLING 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    
    • Do you ever sleep?  Just as well you had a holiday to have  a bit of a rest 😀   More seriously, well done on all your legwork, this Annie is damn lucky, all your preparation will stand you two in good stead for sending VCS back under their stone.
    • Hello again   So just a brief update.   A month ago I cancelled all bank direct debits and debit cards on file with paypal and explicitly stated to my bank Nationwide over the phone to ensure they block PayPal from making any deductions or payment requests. I since got a new debit card and have not logged into paypal since.   Randomly I received an email from paypal yesterday stating that I made a payment of £1.00 to ebay. I couldn't understand how this could have happened if paypal don't have any payment details of mine. I logged into my bank app to confirm and saw a £1.00 ebay paypal fee. I logged into my paypal account and went into the payment section and to my disbelief they had my new debit card on file. I immediately rang up nationwide and asked how this could have happened and they said the following:   That it is not unusual for companies like paypal to contact Visa and request new debit details if the one they have on file has become unuseable or has been cancelled etc.    I said that this surely must be illegal and asked them why the transaction wasnt blocked in the first instance like I requested. They told me when it comes to visa it is out of their control. I obvioulsy lost it with them and threatened to close my account in which they put me on hold, then came back and said they have put a block on paypal and asked visa to refuse requests for debit card details in future. I have since cancelled my debit card and requested a new one.   Paypal have clearly made an attempt to get access to my bank account/debit card by means without my knowledge or consent. They also seemed to have tested whether the card works with a £1.00 sellers transaction fee which I dont know what its for. Luckily they have not been able to deduct the £925 but obvioulsy could have done if I hadnt noticed the fact they got my new details.   What should I do now regarding this? So far only the financial ombudsman seem to be willing to pursue and help me with the original claim wih PayPal but I feel this is something additional that requires investigation.   any of your thoughts are welcome.   Thanks
    • It all depends from who your manager is and what company you work for. In my workplace (very large multinational) the super peetakers are the most respected. The rule seems to be that if you tell everyone challenging you that they are victimising you and then you do whatever you want, you get rewarded. So I joined this movement a long time ago but with a slight difference that I finish my work to requirement, no more, no less. Just because I like the job, not because I feel I must please them.
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RLP M&S, Can they add extra charges

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I was sacked from m&s for theft (i admit it and i know it was stupid of me)

 

I was told that i will have to pay that money back (which i said was fine)

 

They said a letter would come though the post in 2/3 weeks

(it was over a month and it was a letter saying that they will be sending a letter with an invoice of how much i owe which is fair enough)

 

Im wondering if it will be RLP that is sent and will it have extra charges (E.G If i owe them £10 initially can they add extra charges on top of that? )

 

Thank you for your help

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Where the Police involved at all??

 

Any and all letters demanding payment from the powerless RLP can be ignored.

 

IF you got caught did they reclaim the items taken? If so then you owe nothing.


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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they said if i resign the police wont be called, so i resigned.

 

I was caught stealing money that was not recovered, so i owe them that at least, so I'm wondering if they may change me extra (if its a RLP)

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doesn't matter.

 

 

you ignore RLP that's for sure

 

 

dx


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ok ill ignore the RLP,

and the I'm not being prosecuted as i have resigned.

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its appears M&S use drydens civil recovery

 

 

but the advise is the same

 

 

you ignore them totally!


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OK, well wait and see how it pans out, RLP, Drydens or any other tin pot powerless third party gets the ''ignored'' treatment.

 

If they wanted the money back then there is a legal way to go about that, and they have chosen to give you an ultimatum you've accepted that, you owe nothing.


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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Have you had your final salary and will they be recovering the money you borrowed from that ?


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This seems to be common practise in work places, instead of firing the employee, you are asked to resign.

 

 

In my work place 20 employees caused £100,000 of damage, ie shutters in the warehouse, broken due to some colleague swing on the shutters

 

All 20 were asked to resign, no demands were made for costs; but we have had colleagues caught taking money from the tills, they were told to repay back what they took, and asked to resign

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As this is a case of employee theft, I daresay that Drydens will write and claim that you owe them significant costs involved in investigating the theft. I have known these run into thousands of pounds.

 

It is the case though that you owe Drydens nothing. If the employer wants to take action then that is a different matter and they would have to prove that any such costs are genuine and are solely as a result of your offence. That is very difficult to achieve as for the most part any security staff were already being paid to carry out such function.


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Excellent well done, move on now, forget it... :thumb:


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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