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    • Hello   Just found this on paypal website (uttterly shocked):   Read your user agreement:   3. Funding Sources   3.1 Linking your Funding Source. You can link or unlink a debit card, a credit card, a pre-paid card (in certain cases), a bank account and/or PayPal Credit as a Funding Source for your Account. Please keep your Funding Source information current (i.e. credit card number and expiration date). If this information changes, we may update it at our sole discretion without any action on your part, according to information provided by your bank or card issuer and third parties (including but not limited to our financial services partners and the card networks). If you do not want us to update your Funding Source information, you may contact your bank or card issuer to request this or remove the Funding Source in your Account Profile. If we update your Funding Source information, we may retain any preference setting attached to it.
    • 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
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laidy_ma

PRA/MBNA debt-CCA sent-received a reply. Help needed

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Credit Card-MBNA

-Account start date 05/2006,

defaulted -06/2010 at £6550.

Noddle currently shows that I owe : £5250.

 

I found a letter dated 01/09/2010 from Experto Credite advising me that Varde Investments(Ireland) Limited

has bought the interest of MBNAlink3.gif Europe Banks Limited and they are legal owner of my account.

‘Under the terms of assignment Experto Credite Ltd has been appointed by Varde to recover any and all outstanding sums.’

 

I paid Experto Credite £20 on monthly basis

until Aktiv Capital contacted me to inform me that they have taken over my account.

 

They agreed to the £1 monthly payment in 2013 (which was agreed with Experto Credite already I think) and since then I have been paying it.

I noticed just recently that on my Noddle report instead of Activ Capital, PRA Group UK has taken place as a lender.The last letter I received before I moved away in 2013 was from Aktiv Kapital ltd.

I have been paying them £1 for more than 2 years.

 

Now I want to update them about my new address and request CCA

but they are no longer Aktiv Kapital ltd.

They are PRA ltd.

 

They probably sent me a letter to notify me at my old address...

Their bank details are still the same so my £1 has been going to them

and they update my Credit record file regularly.

 

I called the Aktiv Kapital telephone number from the letter I last received in 2013 but PRA answered.

I did not introduce myself

- just asked them to who to write and they explained to write to PRA in Scotland not to Aktiv Kapital in Bromley.

 

Who should I address the letter to:

PRA or Aktiv Kapital or both?

 

What do you think?

 

My address:

Their address:

Aktiv Kapital(UK)Ltd/ PRA ltd

2 The Cross

Kilmarnock

Scotland

KA1 1LR

 

Date:

Dear Sir or Madam,

..................

 

or

My address:

 

Their address:

Aktiv Kapital Ltd

2 The Cross

Kilmarnock

Scotland

KA1 1LR

 

Date:

Dear Sir or Madam,

.....................

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I am quite sure there are lots of charges added as I think the card was for £5000 max credit and I paid them back a lot of money before defaulting.

 

I sent CCA request to PRA Limited (Aktiv Kapital) and change of address letter on 7/01/16

 

CCA request received by former Aktiv Kapital now PRA Group (UK) Limited on 08/01/16

Today I received the attached letter below from them. Apologies that the quality of the file is not a very high standard.

 

Should I write to them:

Dear ...

Ref:

My full name:...

My date of birth:..

My previous address:...

 

I look forward to receiving the CCA I requested on 07/01/2016 and provided £1 payment.

 

Please advise if the above reply to them is suitable.

 

Are they entitled to the requested information?

If they don't believe that this is me maybe I stop paying them

and they will never be able to ask me to pay as they don't have enough proof that this is me?;-)

 

Would you suggest SAR to MBNA as I have not kept any statements

(I think the paperwork has been left at a friends loft, and the friend is abroad for the next few years,

so I will be unable to collect it any time soon).

PRA-12-01-16.jpg

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AK are the PRA group

its just their parent company

 

expert and varde are part of the same group too....

 

sadly another cash cow account me thinks...

 

send them what they want

just don't sign anything.


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Ok, thanks DX. I am not signing anything. :-)

I will keep you all updated.

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ps

only give them what you know they need to ID for this account.

 

 

poss address at time you took it out

and/or a change of name.

 

 

NOT a complete list

 

 

play them at their own game.

 

 

dx


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I was thinking to only give them my previous address (the last one plus the current one). They have sent me letters there in the past.

 

 

My name is the same as from DOB and they already have it, so I will maybe give them my DOB. Nothing else...If they think this is enough that's it.

On full name I have not put my middle name- this is not necessary is it?

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just the address you lived at when you took the card out that's all

 

 

dx


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Haha ok. I guess whatever I give them they accept that it is me or they forget about me forever.

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Amazing that they have been happy to write to you previously with details of the account, and have accepted payments without needing to know this information....


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You are correct, I use to change address quite often and no one ever bothered to ask me any security questions before accepting my new address details,the most important was to pay them.

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I have received a reply from PRA, showing sub client Varde Experto.

 

They have returned my postal order for £1 and they say that it was not required to carry out the request.

They say that my account has been on HOLD which will cease any further collection activity until further notice.

This means that I don't need to pay my token payment for now then?

 

They have also sent me 2 pages with general information they send to everyone

who has sent CCA request to them of questions and answers:

what they should provide,

what happens if I don't get the required information etc...

 

Some of the points they make there don't make sense but I am not an expert:

for example they say:

 

They should provide me what the original agreement was, and if there were any changes made to it later,

include my name and address at the time I first signed the agreement,

but it doesn't have to include my signature, or the date I signed it...

If this has not been posted already by another Cager and you are interested to see

the general information papers please let me know and I will upload them and post here...

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for a takeout date of 2006

theyll need the signed cca to enforce in court

once 12+2 working days have passed since you sent it

you could stop payments

 

dx


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They say that : 'I have placed your account on hold which will cease any further collections activity until further notice.'

 

I sent the CCA request on the 7th of January and they received it on the 8th

then they sent me a letter on the 12th to ask for additional details

and I sent the additional details on the 13th which they have received on the 14th.

 

12 working days is on the 26-27th?

I pay them on the 28th of each month.

 

I don't need to send them any letters telling them that they have not provided the CCA on time, right?

as they already have told me that the account is put on hold.

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Thanks DX for your help.

Yes I thought it has to be signed.

 

 

..but these 2 pages are general questions and answers sent to everyone I guess.

Once I have any news from them I will update you.

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I have received a letter from PRA. Please see the file attached.

Do I need to reply to them? I have already send CCA request as mentioned in previous posts but they have not provided me yet with anything.

Pra-statement-13-02-16.pdf

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that's what they have to send you better than yearly

if they consider they are your 'creditor'

 

means nothing ...ignore


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Ok thanks dx. I will ignore it. I have stopped paying as they did not comply with my CCA request.

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Just to let you know I have received some crap information regarding the CCA I requested from PRA.

I am unable to scan it at the moment but I will do first thing on Monday

I will attach it here as I will need your advise please.

 

1st thing they sent me an 'agreement' no signature etc...

also the conditions are clearly not the original ones

because I had this credit card with interest free for 6 or 12 months and this is not mentioned at all.

 

2nd letter I have received is something like a history of payments and charges which are clearly not mine

as I can see clearly whoever this statement belongs to they have purchased lots of things during the years from a particular town

.I have never been in this town.

 

I stopped using this card in 2008.

I did not have a chance to look carefully but it shows many purchases in 2012-2013.

I have never made these purchases.

I was never supplied with a credit card after 2008.

It is absolute crap what they have provided me with.

 

There is PPI added also which I am sure I have never chosen to have as I was self employed.

The account number on Noddle shows completely different last 4 numbers

than the card number stated on the papers they have sent me...

 

A strange thing are the last 4 lines of the 'statement':

date- lost/stolen Credit card Charge Offs- Charge OFF Adjustment: -5598.8 and card number

same date-Lost/stolen Debit Charrge Offs-Charge OFF Adjustment: 5598.8 and different/another card number on here and the next 2 lines???

date (5 days later)Payments- Payment by cheque-thank you: -1

date (one month later) Monetary Credit Adjustments- ZERO CURBL ON SOLD ACCT:-5597.8

 

What this means???

Do anybody know?

It is clearly not my statement but curious what are these LOST/STOLEN Offs??

 

I will give you more detail on Monday first thing.

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total crap then

 

about right for them!!

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Yes crap

I guess they sent mine to the other person, so maybe they have it.

 

I will get back with more details on Monday.

 

I guess I should complain to whom I am not sure?

that they sent me sensitive information which belongs to somebody else.

 

I can see on the statement the full card numbers of someone else

and what they bought, where they bought items from and what they paid back etc...

 

I should also write to them telling them what they have done maybe.

Because they say : now you have what you wanted contact us to arrange a settlement.

 

I have never said to them that I can pay them more than the agreed £1.

..but they are not having even this at the moment until they provide me with the correct CCA.

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tell the ICO

 

 

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes thanks, I will.

 

 

I found a template letter on their website.

 

 

Although they say I have to contact first PRA and ask them to resolve the issue

and does not matter what the outcome is I still can report to the ICO.

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