Beauty & Truth [creams] drained my bank account

[minky93]

I think I may have been scammed .Yesterday I filled out a survey for Lidl, the usual questions how did you find the checkout process etc

 

After I had filled it out it said congratulations you have won a prize, so I followed the link filled out my name & address etc then it said I had to pay for delivery £4.99, this is when alarm bells should have rung but it showed supposedly feedback for the product, so I decided to go ahead and give my debit card details, idiot I know.

 

After the thank you etc I checked my email inbox & it states that I will sent further goods & will be charged monthly which I do not want & it showed a cancellation link which I followed I tried to cancel but they want £28.00 for the goods or I have to pay return postage.

 

I am worried that even if I do return the goods they still have my card details??

 

Please help I have had two strokes & this stress is not helping, I feel so stupid now.

 

Any help or advice will be very much appreciated

 

Hilary

[renegadeimp]

Charge back and block the transactions on your account

[minky93]

thank you so much for replying, what is charge back?

[silverfox1961]

Contact your bank and make the chargeback (refund the amount charged) as this 'company' have misled to you into an agreement without your knowledge. Ask the bank to block any further transactions with the company.

 

Name and shame please.

[king12345]

Careful in the coming months, when they won't be able to withdraw money they'll use a sister company to do so.

You would probably find this in their crazy t&c.

My friend a couple of years ago ended up closing his account to stop these sc@mmers.

[minky93]

silverfox1961 Thanks for the explanation I will contact my bank. Below is an excerpt from the email, in case anyone else gets duped

 

the name of the company is Beauty & Truth

 

The original email survey was purporting to be from Lidl which I realise now it isn't from Lidl as my smart security on my laptop is flagging the website/link as unsafe & wont allow me to go to it. I originally used my iPhone to fill out the survey which hasn't got the same protection. I will be more careful using my phone in future.

 

this is an excerpt from email

If you made a trial order purchase, you've been automatically enrolled in our time-saving Delivery Program. At the end of your 15-day trial period your Visa ending **** will be charged the value of your trial order. Every 30 days thereafter, you'll be sent a refill order using your Visa on file. We offer a 30-day guarantee. Should you decide for any reason that you do not wish to keep the product, you may return it for a full refund, less the cost of shipping & handling. Return shipping is the responsibility of the customer.

 

Thank You! so much

for all your help

[dx100uk]

Cancel the CPA too

[minky93]

Thanks king12345 They only have my debit card number do you think I will be able to cancel my debit card & get a new one reissued?

[dx100uk]

Cancelling the card does not stop it

Charge back and cancel the cpa

[minky93]

sorry for being thick what is a CPA?

[silverfox1961]

Continuous Payment Authority which was set up when you gave your details.

[minky93]

silverfoax1961 Thanks for the explanation

[BankFodder]

Make sure that you put all cancellations and other instructions to your bank in writing. Do not trust them if you do anything on the telephone. Always in writing. Also, if you do have any telephone calls then follow our customer services guide, making sure that you record the calls and you keep control of the conversation.

[minky93]

Thanks! everyone I rang my bank & they have taken the details & will pass it to the relevant dept tomorrow & they will ring me.

[minky93]

BankFodder thanks for the advice which I will follow. You helped me a long time ago which got results. This site is amazing & so are the people that give advice.

[renegadeimp]

Thanks! everyone I rang my bank & they have taken the details & will pass it to the relevant dept tomorrow & they will ring me.

 

Ring back and get them to do it there and then. There is no relevant department. They can stop it immediately and block transactions there and then.

 

Which bank are you with.

[minky93]

renegadeimp Thanks! I'm with cooperative bank, the girl said the department that will deal with it, isn't open at the weekends.

[dx100uk]

wrong ive cancelled CPA and done chargeback on a sunday to the co-op phone bank number.[212212]

matters not what the operator says

just make SURE they make notes on the account

stating the original sum is disputed and you want chargeback and that you do not authorise any further CPA payments.

get them to read back the notes to you.

 

always phone, else by the time a letter lands they've drained your account.

yes write later if you wish.

 

 

for your ref read below

they cannot reuse

 

 

if needs be quote the FCA regs

 

 

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 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

[renegadeimp]

you have to remember, the operators are min wage lackeys. They can only go by what their computer screen tells them. If it doesnt say what to do, they have to make an excuse and pass it around.

[ericsbrother]

complain to LIDL about their web site having this step though on their site.

they probably didnt authorise ti but they should be aware of what goes on.

 

 

Dont accept just any waffle about not their fault, it is their page and they should be keeping an eye out for things like this.

[*RainbowTears*]

Make sure that you put all cancellations and other instructions to your bank in writing. Do not trust them if you do anything on the telephone. Always in writing. Also, if you do have any telephone calls then follow our customer services guide, making sure that you record the calls and you keep control of the conversation.

 

+1

 

I got caught out myself with this sort of sc am on a different product, I did everything I could to stop mine, even phoning America (Head Office).

 

I lost £79.99 & was never able to get it back...

Which peed me right off but taught me a lesson, to never ever do it again!!

 

Good luck!

[silverfox1961]

complain to LIDL about their web site having this step though on their site.

they probably didnt authorise ti but they should be aware of what goes on.

 

 

Dont accept just any waffle about not their fault, it is their page and they should be keeping an eye out for things like this.

 

I don't think the OP saw it on the Lidl website. Chances are it was a spoof survey to hook the OP in then when offered the 'deal' the relationship with Lidl and this company made it seem legit when in fact they are nothing of the sort.

[minky93]

silverfox1961 Yes you are correct I received an email survey with the Lidl logo etc but what made it more convincing we do shop at lidl and they asked all lidl related questions like was the shop clean, how fast did you go through checkout etc.

 

I rang the cooperative bank this morning & they had already done a charge back & stopped the continuous payment authority but am going to keep an eye on my account over the next few months.

 

I am so annoyed with myself & 1'm going to be a lot more careful when using my phone in future, as the smart security on my laptop would not let me click on the link in the email and gave a warning that the site I was trying to reach was not safe & did I want to continue.

 

Oh! well you live and learn

 

Thanks everyone for your help & assistance, I genuinely mean that xx

[minky93]

*RainbowTears* I am sorry to hear you lost so much money, I am normally so careful, when i'm on my laptop I hover over links/addresses to make sure the are who they are purporting to be but you cant do that with your phone or at least I don't think you can.

 

Like you say it has taught me a lesson as well which is not to be so lazy & get my laptop out instead of the phone.

[renegadeimp]

I rang the cooperative bank this morning & they had already done a charge back & stopped the continuous payment authority but am going to keep an eye on my account over the next few months.

 

Get them to put it in writing, just to be 100% sure.