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    • then there is your proof to them why would you pay for BB twice!!   for 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 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        
    • Only asking because I want to get my facts right before I approach the bank! Yes, BT is coming out of the same account.
    • not if they want to make the OP the named claimant no!! let them take the other party to court themselves!! the op can be a witness then..   one bitten...read this thread..      
    • eh? no valid contract!   is the BT coming out the same bank AC?  
    • Hi Sorry but i am still stuck on where to go next in all of this.   This week the dealer contacted me at the 11th hour to talk repair of my car. He seemed only interested in the repair in speaking of just one of the problems  and i was struggling to get him to commit to the other fixes required. I asked him about the service history log and the proof that he had changed the cam belt.   He has told me that he will chase the service log book through his accountant. (I'm confused why through his accountant) and that his mechanic would provide the paperwork for the cambelt work, although he is away until September. (I dont believe any of this. He has had months to do this)   Back in June he said in a text to me that he would get my car fixed once his supplier opened for business from the 4th July and arrange a date with me. From that date onwards i was unable to contact him. He didn't answer his phones or reply to my texts or answer machine messages. He has told me now that his business was closed during that time.    I asked him about the 3 recorded messages i had sent him that were signed for. He said that he has not seen any letters. Somehow though he has sold 10 cars throughout May, June and July. I have been watching his stock level on Autotrader and he has been advertising his new stock and his sales on facebook throughout this period. Also he has chosen to contact me this week on the night before i was stating i would take action.   Frustratingly i expressed my desire to return the car to him for a refund and he has told me that because i didn't reject the car in the first 30 days then that wont happen. How could i reject the car if his business was apparently closed, we was not responding to me other than initially putting off any attempt at repair work.   I am feeling completely cheated by this man. He has even accused me of purchasing a car from him that i knew was faulty!!    I have shared my story recently on a Land Rover forum and interestingly a member of the forum has come forward and told me that he had also test drove the car before i did. He said the car displayed the errors i am experiencing and that the dealer had acted suspiciously. This forum member has offered to write me a statement if its of any use?   September the car is due an MOT and it is likely to fail because of the work he has not done. If i take this matter to court and it takes 6 months then what do i do if the car fails the MOT or the faults cause the car to brake down? I need this car for travelling to work and back.   Is it a viable option for me to get the car fixed myself and then claim that cost at court? I need a working car and i do not trust this dealer. He is clearly telling lies and i dont trust him completing the work to a satisfactory level if at all. Im assuming he is wanting to wait for HIS MECHANIC to get back from his holiday too. Strange time to be away for several weeks.   If i was to get my garage to do the repairs i could also ask them to confirm if the cambelt was ever changed. I'm convinced it wasn't.   Please advise. I am incredibly stressed out.
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loudand

Lantern (Formally Motormile) sent sar whats next?

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Good Afternoon,

 

I sent a SAR to Lantern (Formally Motormile) on the 28/09/2018 and I have today received the SAR pack back.

I'm looking for some advice on what to do next as I feel all these accounts could be statute barred.

I would like to give an overview of each account and what the SAR contains to see if anyone can offer some advice on what my next step should be.

 

Account 1

Value £1170

Account Start Date- 15.06.2012

Default Date- 29.06.2012

Payments made/acknowledged - NO

Contains

CCA - YES

Notice of Assignment- NO

 

Account 2

 

Value £200

Account Start Date- 30.11.2011

Default Date- Unknown

Payments made/acknowledged - NO

Contains;

CCA - YES

Notice of Assignment- NO

Chase Letters - 2

 

 

Account 3

 

Value £270.10

Account Start Date- 21.06.2012

Default Date- Unknown

Payments made/acknowledged - NO

Contains;

CCA – YES (Not signed by original creditor)

Notice of Assignment- NO

Chase Letters - 5

 

Account 4

 

Value £250.00

Account Start Date- 02.09.2011

Default Date- 07.12.2011

Payments made/acknowledged - NO

Contains;

CCA – NO

Notice of Assignment- NO

Chase Letters – NO

Statement of Account - YES

 

Other than 2011/2012 I’ve had no other issues and everything has now dropped off my credit files, I’d just like to put this to bed.

I would be grateful of any help you may be able to give.

 

Thanks

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Can you just confirm the dates again please. I see that account number one started by 15 June and yet by 29 June – only two weeks later you had defaulted. Is this correct?

 

Also in the others, you are unable to say if or when you made any payments. I think we need more help


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Apologies, those dates are taken from the SAR pack from Lantern.

 

With regards to the payments, I put down 'Payments made/acknowledged - NO' I haven't made any payments or acknowledged any of them, they don't have anything in the SAR that confirms otherwise either.

 

I've attached a snapshot of the SAR form.

 

Thanks

 

Capture.PNG

Edited by loudand

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The debts are statute barred

Send them our sb letter for each one


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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… As above – but out of curiosity, are you saying that you you borrowed this money and didn't make a single payment on any of the accounts?


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… As above – but out of curiosity, are you saying that you you borrowed this money and didn't make a single payment on any of the accounts?

 

Well without going into why I got into difficulty in 2011/12, I ended up with various debts for which I did pay back in full including 2 to Motormile, these were included within the SAR. I wasn't actually aware of the ones listed above until recently, I wasn't being chased, the letters they sent for 2 of the accounts above we're sent to a very old address the other 2 they haven't chased..

 

On the 27th September this year Lantern sent me a chase via email with 1 reference number which covers those 4 accounts, I then sent the SAR and we're now here.

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not thought about starting an irresponsible lending complaint again each lender

so you say you've cleared some dent with the fleecers at MMF?

 

as long as the debts you've stated above have had no payment in 6yrs ...then send the SB letter for each one.

 

they probably though they could try it on with those as well as they'd mugged you on the others when in all truth they probably didn't need paying at all.


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 have thought about however I've not explored it at all.

 

MMF caught me at a time when I had a mortgage offer, exchanged contracts on a new build and I awaiting completion date, I didn't want to run the risk so I paid them, in hindsight I should of looked deeper into it.

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well stop blindly replying to emails too!

its NOT a recognised form of communications for debts and is a very cheap way to threaten you.

 

any emails from people that try and fleece you out of money like a dca should be BLOCKED AND BOUNCED BACK.

 

make the write then you have a papertrail.

 

pers i'd be getting an IRL complaint running to back PDL lender you have used

could be worth £1000's if not in refunds but in write-offs too.


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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Update.

 

I posted out the SB letters last week (recorded) and I also emailed them copies as well. They have responded today saying that the debts are not statute barred as a payment was made on the account in October 2016.

 

In total I had 6 accounts with MMF all under different account numbers,

2 of them are settled,

the SAR shows this however it seems as though they have tried to 'wrap up' the 6 accounts under 1 reference number and they are saying that this 1 combined account isn't statute barred.

 

Surely they cannot combine multiple accounts into 1?!

 

I have written a letter stating that the accounts should be listed individually and they should notice that I sent them individual letters for each account number.

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who were the original creditor?

did the loans refinance each other? i'e the next settled the previous?

 

you shouldn't be using email at all.

block and bounce theirs back writing ONLY.

 

you also shouldnt be writing back without checking here 1st its the correct thing to do.

its simply invites letter tennis when there is no need to re-state your case.


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 haven't sent the letter as yet.

 

The accounts were for different creditors. It seems they have only recently packaged them into 1 new reference number.

When I paid the 2 settled accounts they were under their own account numbers, the SAR shows 6 different account numbers.

I didn't include the 2 settled accounts within the SB letters.

 

MMF response was saying the 1 overall reference number couldn't be SB as I had paid some of it in 2016.

When I paid the settled accounts in 2016 this new overall account number didn't even exist!

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shouldnt have paid them in the first place!!

you should have launched IRL complaints against the original creditors

go do that now.

 

No MMF cant lump everything into one account number with them

and then when you pay off 2 of the loans [you did SPECIFICALLY state which 2 account numbers and the original creditors name these payments were against?] claim it holds off SB on the others just because those accounts are part of your overall dealing with them.


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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