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    • Thanks I just had a quick look.  Will study over the w/e My friend does have kids. But it's a really dysfunctional family.  They don't talk.   Many years ago he sold 2 property assets and gave them a lot of money (enough to buy homes w/o loans) .  They've done nothing for him in the last 2 decades. And he altered his will so his new partner gets everything; the kids nothing (more). The 1st form I glanced at - to be deputy - asks for family details.   If I give his kids details I suspect the authorities may say they should get the deputy job instead?  Then  they will steal the money and give nothing to his partner. I can get a copy of the medical assessment  - and get it translated.  If need be.   This has all happened very quickly.  He got sick. And that must have kick-started dementia.   He was fine to hold a detailed conversation 6months ago; now he cant
    • Hi I think the only way around this as he lacks capacity is someone is going to have to apply to be a deputies via the Courts as he has assets here in the UK and a UK Bank Account which will take time and there will possible be Court Fees to make the application. Also if the Lack of Capacity (Dementia) was diagnosed abroad the person applying for deputies will need that diagnosis and it will need to be translated legally for the UK Courts so possibly cost for this as well. Also for reference although you were assisting them before the lack of capacity and had authority to act on there behalf that no longer stands due to there diagnosis of Dementia therefore Lack of Capacity so you no longer have any authority legally to act on there behalf unless the below is actioned or someone has Power of Attorney for that individual (which was setup before the Lack of Capacity) Have a wee look at these links: https://www.gov.uk/become-deputy https://www.lawsociety.org.uk/topics/private-client/mental-capacity-international-aspects#:~:text=You might need to make,act within the foreign jurisdiction https://www.gov.uk/government/organisations/office-of-the-public-guardian I have got to ask with the Dementia diagnoses are you 100% sure the diagnosis states they Lack Capacity as not everyone that gets a Dementia diagnoses may lack capacity initially. Now the Office of the Public Guardian link above you could also consider giving them a call just to give them a brief on this situation and get there advice on what documents etc are needed for deputies to be appointed as the person with Lack of Capacity is abroad.
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Pipex Homecall DD Issue


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I have my telephone through Pipex Homecall. For whatever reason, I do not want to pay with a DIRECT DEBIT, I want to pay with my DEBIT CARD when I get my bill.

 

I have just been phoned and told that there is a problem on my account.

 

They say, that if I do not place a DD on my account by 18th January 2007, my phone will be barred. It will not be barred because I owe anything, they admit there is no debt, they say It will be barred because I will not have a DD. The bar will not be lifted unless I place give them my bank details.

 

Where do I stand please

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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I don't understand your post - sorry!

You want to pay by DD when you receive your bill? DD's are continous payments, set up by them against your account to take payment once a month - you won't be able to make a DD payment on an ad-hoc basis, only a BACS or cheque payment. They are automatic, and are usually for the same amount each month - any change will need to be pre-ceded by an invoice telling you the amount 10 working days before the account is due to be debited. I don't think companies can refuse a service based on the fact a customer will not commit to a direct debit, but will impose a charge to it's customers - which has shown to be fair.

 

My internet provider will also not provide broadband if you do not give your bank account details - even though it is a free service - as it is written in as a term of the contract.

  • Haha 1

Lived through bankruptcy to tell the tale! Worked in various industries and studied law at university. All advice is given in good faith only :)

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Chesham

 

2000% sorry. I got all flustered. I have editted it now to make sense.

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Ah - the two payment methods are not the same, however I would urge you NOT to make a debit card payment as you have even less rights with this than with DDM. Of course it is your right to go with any company you like, and if they do not offer a payment method you like you take your business to someone that can. You are within your rights to tell the company that you are unable to provide DD access to your account. (You could, however offer to make payments in ADVANCE by cheque or card if that would suit, or by bank transfer if your bank account is PC enabled).

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Thanks Buzby

 

It was the, "If you dont give us bank details, you will be barred even though you owe us nothing" attitude that did me in.

 

Thanks alot

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Pleasure. It is the way these companies are railroading consumers to accept that the DDM is the ONLY acceptable way they are prepared to do business with you is that you provide them with open access to your bank account. Yes, right!

 

DDs have sneakily evolved from set dates and amounts (like a Standing Order) to 'unspecified amounts on unspecified dates' effectively meaning they can take as much and as often as they want, with the DDM guarantee only offering a refund if there has been an error... no consequential loss responsibility for additional fees you may be charged by your bank or other firms for payments that bounce. APACS, the banks clearing centre make much of the guarantee, but couldn't give a toss about the mayhem a DDM leaves behind. If only MPs would take a stance.

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I would also advise you to contact OFTEL, There are several complaints in relation to this. The regulations for telecommuincation companies are being breached by there request and they may be placing you at risk.

 

I am aware of this companies actions and so are OFTEL!

 

They have a helpline contact them very useful!

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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  • 3 months later...
I have my telephone through Pipex Homecall.

 

[...]

 

They say, that if I do not place a DD on my account by 18th January 2007, my phone will be barred.

 

Surprised by this. The advice given to people who don't want to use DD when taking a Pipex Homecall contract is that they require the first payment to be DD and then you can have an invoice instead if you wish.

Halifax (current accounts, credit card, old mortgage, secured loan)

thread here

 

MBNA (three credit cards)

thread here

firstdirect (a current account, two mortgage accounts, old loans, old credit card)

they've sold my current account. thread here.

 

Royal Mail

Claim issued by former employer Royal Mail, thread here.

I counterclaimed and won. They paid in full.

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Ludicrous. Once they have taken the first DD, they can carry on regardless irrespective of your wishes. If they don;'t have your authority, they cannot. Taking just 'one' payment by DD is highly suspect, they might was well take a cheque.

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Ludicrous. Once they have taken the first DD, they can carry on regardless irrespective of your wishes.

 

Your bank *should* refuse subsequent DD payment demands if you cancel the mandate with them (as opposed to the payee) after the first payment.

 

If they don;'t have your authority, they cannot. Taking just 'one' payment by DD is highly suspect

Highly suspect or otherwise, I've seen it frequently. Another example is Vodafone.

 

Anyway, I had not noticed but Pipex Homecall have changed their policy and new customers now have to tick a box stating "I understand my service will be suspended if the Direct Debit fails or is cancelled" (or similar wording).

Halifax (current accounts, credit card, old mortgage, secured loan)

thread here

 

MBNA (three credit cards)

thread here

firstdirect (a current account, two mortgage accounts, old loans, old credit card)

they've sold my current account. thread here.

 

Royal Mail

Claim issued by former employer Royal Mail, thread here.

I counterclaimed and won. They paid in full.

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Your bank *should* refuse subsequent DD payment demands if you cancel the mandate with them (as opposed to the payee) after the first payment.

 

As one who has experienced how little banks care about cancelled DD's often ignoring your written cancellation, I'm with Buzby here. Issuing a DD is like handing the key of your floor safe to a known cat burglar. Once they have your banking details anything can happen. Worse, it often does.

 

It's just another version of "Information Theft" to these jaundiced eyes (see: http://cse.stanford.edu/classes/cs201/projects-98-99/computer-crime/theft.html). The problem here is not getting your money back, but the time and effort it takes to do so. Two years and a file of correspondence thick enough to use as a Roman banquesting cushion is what it took for me...

 

Shoestring

The more I read this site, the more congratulations I want to heap on CAG for the invaluable service they are performing. Bravo!

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  • 1 month later...

I have a situation with Pipex.

 

I left(canceled my service) pipex in Nov 06 and moved house pretty much after that. I had to pay the remainder of my contract and settled my account in full at the time. Now I get a call from my old house mate (June 07) saying that there is a bill from Pipex of £56.00 for me.

 

I contacted them and they told me its from my home phone call for September and October. when I asked them why it was not included in my last bill of Nov 06 (last calls billed 10-oct-06) they told be it was separate change to the broadband and could not estimate how much I was going to call and therefore did bother telling me or sending me a bill until I contacted them. (They have had my email address all this time but did not contact me.)

 

What must I do , Do I have to pay this bill?

Natwest Paid out £284.40 bank changes

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Since you incurred the charges, then yes. Incompetence (on their part) is not an excuse to have it waived. Bills for usage always follow when an account is closed, as in reality this IS the final bill. If they sent you a bill earlier saying IT was final, then you could argue it was misleading and offer to pay - say - 50% of the amount owed.

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you could argue it was misleading

 

As Pipex issue bills monthly - combined bill for broadband and phone - and this usage was a month before viljoenbotha settled his account in full, it would seem difficult to argue anything else. They are billing for fixed line not mobile, so there is no "late landing" of charges.

 

Halifax (current accounts, credit card, old mortgage, secured loan)

thread here

 

MBNA (three credit cards)

thread here

firstdirect (a current account, two mortgage accounts, old loans, old credit card)

they've sold my current account. thread here.

 

Royal Mail

Claim issued by former employer Royal Mail, thread here.

I counterclaimed and won. They paid in full.

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Unfortunately, it doesn't work this way. Even BT (who own the network) advise that there can be call charges that will arrive outwith the original billing period - a case in point is a pile of 0845 & 0870 calls which due to a software fault, BY billed 6 months afterwards. Pipex have no fundamental billing platform, they pass on and mark up the data that BT provide them with, so if anything, these delays with virtual carriers get worse, not better.

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