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    • So you're telling me you wouldn't rule it out but agreeing with others it's true without qualification. Hardly objective.   There is no evidence it's true and not even Labour are suggesting it. Like I say, opinions are fine but they are worthless unlesss they have at least some factual basis.   Germany put Spain on their quarentine list yesterday, are you blaming that on Brexiteers too?
    • what rights of access do you have on your agreement with the landlord?   i suspect you shouldn't have to pay a thing.
    • 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        
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talula

Talula vs Smile

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i've just calculated that in the past year, smile owe me £625 in charges.

 

i'm in the process of writing the letter now, however looking at their website, there are two address, the Skelmersdale one, and the Co-Op Head Office on Balloon Street.

 

People who have claimed successfully from smile, which address did you send your letter to?

 

thanks

 

rachael

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I am sending all my correspondance to the Manchester Balloon street address as this is the one on the cheques.

I think the Skelmersdale address is for CoOp bank (who OWN Smile)

good luck...


--

Mad, Bad and Dangerous to know!

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27th May - Prelim letter for £625 + interest sent

1st June - letter sent from smile stating that they were investigating it.

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Well done, stick to your timetable though, at the end of the 14 days send the Letter Before Action. They will try to string it out as long as possible.

 

Natalie


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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had a bit of a hiccup this week. due to my account being £150 over the overdraft limit due to £200 of fees this month alone (hopefully they'll refund these as well, or i'll have to claim again), i contacted my casual employer to put my wages in my Cashminder account. thought all was well, budgetted which bills i was going to pay with it, only to find out that on Friday it was paid into my smile account, so i have not got a single penny out of it.

 

hopefully smile pay up very soon or i'm going to starve.

 

:mad:

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Regarding the recent fees. It may well be worth a trip your branch to discuss these. The simple fact that they took £200 in charges and you're £150 over the overdraft limit, clearly needs pointing out to them in person whilst it's fresh, or they'll just add further charges. Politely request that they refrain from taking any further charges, and explain your circumstances surrounding the fact that you simply can't afford it.


[

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yeah, ill give them a ring today then since they don't have branches and when i go into the co-op they tell me to send a secure message.

 

silly i know, but by ringing them im worried i might compromise my claim.

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Erm, yup, no branch. I missed that minor point.:confused:

 

If the recent charges aren't in your claim, it's a separate issue entirely.

Good luck.:)


[

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I sent my DPA to the balloon address along the 10 pounds cheque. I wasnt sure who to make the cheque out to though so I wrote in co-op/smile and DPA request and my ac no. on the back.

Now I have a 10 pound credit in my account, did they just pay it into my account and do you think they'll refuse the DPA based on no payment now?


______________

22nd Sept MCOL filed vs smile bank :!:

 

27th Sept LBA amount paid by smile

 

6th Oct Full MCOL amount paid by smile

 

Result = :D

 

 

 

 

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As long as your letter was clearly marked as a DPA request, and you sent them £10.00, I don't see why they should refuse your request on the grounds of their incompetence. You are calling the shots now so everything is on your terms. If you are concerned you could send them a secure message pointing out their error.

 

Personally I would sit back and wait 40 days and follow the process according to your timetable. Good luck.:)


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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has anyone had to actually issue smile with the 2nd, "impending court action" letter...? its 14 days today and apart from the initial "we'll look into it" letter i haven't heard or had a bean... :mad:

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do you mean the lba? most banks wont take much notice of you until you send the 2nd letter, so send it off, dont hang about waiting for them:)


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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has anyone actually had to do this with smile though? all the posts i've read they seem to have paid up before that stage.

 

THREE THREADS MERGED!!! PLEASE STICK TO ONE THREAD FOR YOUR BANK ACTION - THE MORE THREADS THE LESS LIKELY YOURS WILL GET NOTICED/YOU WILL GET A REPLY!!

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edited as question answered on other forum.

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I sent my DPA to the balloon address along the 10 pounds cheque. I wasnt sure who to make the cheque out to though so I wrote in co-op/smile and DPA request and my ac no. on the back.

Now I have a 10 pound credit in my account, did they just pay it into my account and do you think they'll refuse the DPA based on no payment now?

 

They just sent me a letter asking me to send them 10 pounds, again I dont know who to make it out to. They cashed my last cheque into my own account.

 

Maybe this is some stupid attempt at a delaying tatic.

 

This time I will write the cheque out to Subject Access Request - Co-op

Its that or Mike smith, whose some bloke working as customer adviser.


______________

22nd Sept MCOL filed vs smile bank :!:

 

27th Sept LBA amount paid by smile

 

6th Oct Full MCOL amount paid by smile

 

Result = :D

 

 

 

 

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16 June - Letter Before Action Sent

 

since my original letter, theyve applied abut £250 more in charges. :mad::mad::mad:

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I have noticed that they don't seem to be rolling over quite as quickly now, but I wonder if it is just because they are getting swamped with claims for bank charges. Just keep following the steps and I am sure you will succeed.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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they paid up in full today (£625) though they're refusing to pay the interest.

 

unfortunately for them, they're about to get another letter, as since my first request they have taken close to another £300 in charges!

 

survey, donation etc already done. ;-)

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Well done Talula. I see that the survey now shows over £1 million pounds in bank charges refunded. Thanks for the donation too. Keep up the good work.:rolleyes:


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5161 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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