Jump to content


Card transactions after card has expired


reduk054
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5231 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone!

Can anyone tell me where I stand regarding the bank continuing to pay companies even though the debit card has expired? The original payment method was set up on line using a debit card

The bank say that it is up to me to cancel via the company who are claiming the money, but I would argue that if I tried to use the card elsewhere, it would be declined.

Any ideas?

Thank you

Red

Link to post
Share on other sites

I have contacted the companies involved who have given me a goodwill payment but not a full refund. They say that the bank are at fault, and that I should claim from them.

The joke is that the bank had asked me to cut up the card and then return it to them, which I had done, and it had expired. The bank of course have been making money in the form of overdraft interest (I am currently claiming it back).

I had written to the bank, had face to face meetings requesting that they stop the payments.

They did not.

I have complained twice in writing to customer relations at the bank, but just would like to know where i stand!!!

Red

Link to post
Share on other sites

Guest tlusnoc

Recurring transactions using a credit/debit card can only be stopped by the company who set it up and not the bank. Never ever set up one of these. They do not come under the direct debit guarantee scheme, so if the retailer or company you set it up with want to keep taking payments, there is nothing to stop them. I know people knock Direct Debits, however they really are a safe way of dealing with regular transactions. Not sure what the position is now the card has expired though. Best bet would be to contact whichever scheme operates your card Visa/Switch and put in a formal complaint, saying that you have notified the companies to cancel and that they are continuing to take payments.

Link to post
Share on other sites

TY Tlusnoc,

I will NEVER EVER set up this sort of payment again!

I have written to the bank's complaints dept again about use of the card once expired - i couldnt have paid for anything in a shop with the card after all!!

The companies involved have given a token goodwill payment return, but I am still cross with the bank, although maybe there is something which I am unaware of that allows the card to continue to be debited. Doesnt really make logical sense though to me?!

Cheers Red

Link to post
Share on other sites

Even with Lloyds own time frames involving complaints, I am 14 days away from being able to contact the FSO about this one. I advised the manager dealing with the complaint that they have two weeks or I will escalate my complaint further.

When my hubby was complaining about something else to the FSO he mentioned this situation in passing and they seemed very interested! But as to whether i have another case or not, I will have to wait and see!

Link to post
Share on other sites

the only thing i know is that the cc/dc issuing company will honour any regular payments but not one offs as now the verification number is needed for one offs but not monthly payments.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Thank u ida5921, these were of course regular payments that were made, and i can understand the one off / verification number. Still a tricky situation from the other threads which i can see these types of continuous authority transactions are hard to rectify!

Link to post
Share on other sites

  • 3 weeks later...

hi reduk054,

 

I had a gym in london who kept taking payments from my card after i left. they said I was in a contract. I reported my card lost and the payments stopped.

 

Might have been a co incidence, who knows.

Link to post
Share on other sites

Hi reduk, just come across your thread - we have exactly the same problem with LTSB allowing an expired debit card to be used to pay greenflag (which strangely used to belong to LTSB). These payments went through when all other dds on my husband's account had been stopped and basically destroyed what remaining creditworthiness he had. As we are now claiming the charges back I hadn't really paid much attention to what we consider to be fraudulent use of the card (as you say above red if we had tried to use the card ourselves we would have been in trouble). We have written them more than one letter (lol) accusing them of fraudulent use of the card but they have never responded. Would be very interested to know if anyone has further insight into this.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

Ask the bank where the money is going to.

 

Then ask the company's if they were told the card had been stopped.

 

You need to no what sort of transaction they were.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

Link to post
Share on other sites

  • 3 weeks later...

Well, everyone, sorry for the late reply, things were getting a bit stressy here so I took a little time out, and now the sleeves are up.

The final part of this story was that the companies who were being paid by the continuous authority (a-hem!) both refunded a lump sum as a gesture of goodwill, and also the bank's service recorvery team offered a lump sum as a final settlement. To be honest, we are in a difficult situaiton and accepted the payments, although have not received the cheque from the bank yet. We had a final letter regarding our complaint, so if we had wanted to take it further we could have done, but have chosen not to.

Seabro, sounds like you sorted your problem, and take it that there were no further repurcussions from the gym. These "authorisations" are a nightmare, and I have changed my payment method to standing orders, or bank transfers through internet banking so that i am in control. I would argue with the bank though! You may get a goodwill repayment?!

Gold lady, where did you send your letters to? I may be able to give you an address where you may get a reply! ;) Good luck with your charges claim!

Red

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...