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    • I should have added the above links are for  landlines and mobiles there are plenty of free and paid for apps android and iphones to block calls.
    • Hi I got a tent from go outdoors,   over £1000 for tent porch carpet  and footprint and it was faulty, so they exchanged it, it was only 2 weeks old,  so I got another tent tht to was faulty, I have pictures of the faults,  but this time they weren't happy to exchange but they did,  then I got a vanguard 8 ,  and when we were on holiday the rain was coming through the material of the tent, holes in the stitching and the zip kepted breaking, so 2 days into our holiday we came home to change the tent and go back and finish our holiday,  but they refused, this tent was only9 days old.  So we left the store phoned head office and they said "go back to store and give them another chance to sorte this out!"  So we did and the manger was worse this time, to ring head office he didn't want to. I have a proof of a call from head office for 40mins and the manager was implying to head office I was lying about a phone call  and head office have on record of them phoning me , the manager asked me to leave the store or he will phone the police   so I told him to get the police,   while waiting for the police  a customer was returning a tent and when asked from the store what's wrong with it, they said""nothing it's to hard to put away"  so asked the manager how is tht right when my tent is faulty and u wont exchange,   he told the police I was threatening a customer,  I never spoke to the customer, I also told them I am autistic,   The manager lied to the police and the police attuided to me was horrendous and I told them  repeatedly told I was autistic,   I have video evidence of my arrest,  What are my legal rights to a new tent,  any help will be greatly appreciated thank u,   am also dyslexic,  sorry if some of this doesn't make sense ,  I've loads more to tell on this whole situation xx I was arrested for not leaving the store until I had a resolution  All the tents where hi gear  Also I told the manager tht we where on holiday to rest as we've just had 4 weeks of hell with my daughter as shes now in hospital safe,  so we went away for 5 days knowing she was safe ,  and why woul we come home early and try to change a faulty tent,  and go back to our holiday if it wasn't faulty they weren't interested   I've been having meltdowns really bad this x  Also I was released from the police 2hrs later WITHOUT  been Interviewed and NO CHARGES I've had a email today saying because of my being banned from the store I can have a refund   I've sent them emails asking questions and they will answer the email but wont answer my questions and now they saying as a good will gesture they will refund me  But I only have until friday which is 1 day to accept the return and if I dont they will not refund me  And am so distressed ,  Am I right the if a item is faulty you have 28 days to a full refund 
    • Thanks dx I did read these post but wasn’t sure if they ended well.   I suppose it depends on how nervous it would make the buyer, and if their solicitor was happy to play ball.
    • the 120 days runs from when he discovered he could use chargeback. that must be within 540 days of the relevant card transaction. sadly halifax are useless everytime over chargeback  and never get things right.
    • Can I ask which service provider or telephone hand set you use that's allows you to use 00* to block all international calls ?   Ofcom advice   https://tinyurl.com/y577dlb8   Some examples of call blocking phones   https://tinyurl.com/yyaxsgd4   ,
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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Recommended Posts

https://www.wintrillions.co.uk/

 

Dear friends,

 

In december after looking around subscribed https://www.wintrillions.co.uk/.

 

I then contacted them either by phone, email or live chat to cancel and refund the subscription.

 

This may, few weeks ago I found out they had charged me 3 more times.

Not the same subscription but 2 weeks after the initial subscription and request for cancel and refund they decided to charge me more amounts on 22nd and 23rd December 1017.

 

I got a call in January and said no thank you to this mega millions jackpot and they charged me again.

 

When I found out I contacted them they said I would get a refund.

Made many more contacts and saved one of the chat scripts, where the lady was told the whole story and said the refund would be made today.

 

I waited further and sent them voice messages and emails to confirm this has been done.

 

I spoke to the same lady yesterday on the 21/05/2018 and she denied all this and then when I sent her the chat script she played the word game. Twisting everything.

 

My bank said the 120 days for visa dispute is over and it is not fraud as I had given them my details.

 

Important points are. They call it subscription but its one of payments. Also they charged me 4 times for 4 totally different products. With varying amounts.

 

What can I do please?

 

I want my money recovered.

 

Ali

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well you bank is WRONG its 540 days [its 120days from when you realise its happened.}

 

now go ring your useless bank back and cancel the CPA and get your moneyback

 

…………………

 

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

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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read our customer services guide first

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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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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