conned again Stemcell Retinoll **Resolved Full Refund**

[anitaellen65]

I have had £97 taken out of my bank by Stemcell.com. How can I get my money back!!!!

[AndyOrch]

Thread moved to the appropriate forum and thread retitled.

 

Regards

 

Andy

[Bazooka Boo]

Get onto your bank and do a visa debit chargeback, then instruct your bank to cancel any CPA this fake company has put on your account, tell them that under no circumstances are they to pay any money to this outfit without your express permission.

 

Contact Action Fraud and tell them also.

 

This is a very well worn con, you'renot the first and you certainly on't be the last.

[anitaellen65]

Just phoned Barclays and the asian guy told me he couldn't do anything about it!!!!

[dx100uk]

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

.

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

[SabreSheep]

I would also back that up with a letter to head office with proof of delivery and receipt

[anitaellen65]

Thank you guys....another elderly pensioner conned again!!!!

I'll get to the bank tomorrow....

[Bazooka Boo]

Certainly warrants a formal complaint to thre bank, and most certainly about the banks lack of staff training, and the inept staff they employ..

[anitaellen65]

Barclays are useless. they cannot or will not refund me.

 

Stemacell refuse to refund me.

 

So here we are,another mug conned out of £97.95 and not a damn thing I can.

[dx100uk]

why wont they?

did you ask for a chargeback on the initial amount

and then the cancel of the CPA?

 

 

tell us what they said and what you asked for

if you read my above post

under FCA rules they cant refuse you

[anitaellen65]

Yes I quoted everything to Barclays Assistant Manager.

 

They just said, because I had in reality, traded with this company.

 

By giving them my card no and paying postage on the goods, they could not refund me.

 

I am now in a fight with Stemacell, who insist on me sending the goods back intact and they promise to refund.

 

The problem being I've lost some of the packaging so I think I've lost my money.

[dx100uk]

credit or debit card

they are wrong to refuse you

[Bazooka Boo]

IGNORE this fake company stemcell.

 

Send nothing back, bin the rubbish, if they send more bin that too.

 

Start Sharklays complaints procedure, and vote with your feet, open an account with another bank.

 

They MUST refund you YOUR money, the bank is wrong, if you ring them again, then every telephone jockey you speak to, who insists on reading from the script and refusing you a refund, then you want to speak to their manager, you need to escalate it until someone who knows about consumer rights refunds you, OR you take it to the ombudsman, and the media/press.

[anitaellen65]

Barclays woman (I've spoken to several this week, in person) told me, they could only "chargeback" on future withdrawals.

 

As if I'm going to give them the chance.

 

Because I became seriously overdrawn with this fraud, another guy from Barclays told me ~ I should "keep a healthy balance" so that future payments wouldn't take me over the limit!!

 

They are such a load of shysters ~ I been a Barclays customer for 60 years.

[dx100uk]

no

a chargeback is previous payment reversal

CPA which they should cancel, is to prevent future attempts.

 

 

me thinks you've got an office junior.

go speak to a supervisor or a manager.

 

 

dx

[anitaellen65]

Hi dx

 

No I spoke to the Assistant Manager personally, the Manager is on leave.

 

They have stopped any future payments.

 

I have gone as far as I can at the moment - I have hospital admission coming up soon and will be unable to take any further action.

 

I will post this damned stuff back, apparently to "Retinolla" based in Milton Keynes.

 

"Yana" has promised me I'll get my money back, well we shall see.

 

Regards Anita

[Bazooka Boo]

Close your account with sharklays.

[anitaellen65]

Ha Ha Sharklays is brilliant!!!

 

I will when this hospital stuff is over and I can cope with paperwork again...

 

Regards Anita

[ericsbrother]

Go back into branch and tell them that they either refund the money as a chargeback

or explain in writing why they will not.

 

They have undoubtedly not updated their training to take into account changes in the banking code

that were put into place more than 2 years ago.

 

This is an unauthorised transaction so they are obliged to refund the money to your account

and them investigate, possibly asking you to indemnify them against a claim from Stemalogica.

 

This means that if the dispute is found in their favour,

the bank will take the money out of your account again but the chances of it being found

in Stemalogica's favour is nil as they are breaking EU and UK law

[anitaellen65]

Hi Unfortunately I can do nothing now, til I'm out of hospital.

 

I will write to Sharkleys! In a couple of weeks or so.

 

Maybe their training hasn't reached the wilds of Witney, lol.

 

Grateful for your advice, I promise to follow up on this.

 

Warmest regards

 

Anita

[fkofilee]

Complaint to the MD

[email protected] - CEO of Barclays Group

[email protected] - Head Of Retail Banking

[email protected] - Compliance Boff

 

CEO Exec team are very good and will probably help you sort this....

[anitaellen65]

Retinoll refunded my money today, after I returned the goods.

 

I was very sceptical, but just did it.

 

A very happy pensioner.

 

Thank you for all your advice.

 

Regards Anita

[Bazooka Boo]

Even surprised me!