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online subsciption from Credit Card - CANCEL
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I'm unsure, What is a CPA? ( not that it matters )
If the card is cancelled, the credit card company will decline any future transactions using the old cvc, which would include any recurring direct debits. I still think this is the best way forward and believe it will work.
You are very quick to belittle others, but I don't see you giving any advise.
CPA = Continuous Payment Authority. It's a bit like Direct Debit for credit and debit cards, but offers the card user no protection if anything goes wrong.
CPA will continue even when the original card is lost, stolen or expires. And a CPA will also continue if a card is reissued with a completely different account number because the old and new accounts will be linked.
CPAs can be difficult to stop. There are plenty of people around here who have borrowed from Pay Day Loan companies who have been able to take payment from their (debit) card despite it being lost just before pay day. :rotfl:0 -
You are very quick to belittle others, but I don't see you giving any advise.
Better than giving wrong advice. Perhaps you should find out what a CPA is before deciding whether or not it matters. Because it is very relevant in this case, and renders your advice useless.If you don't stand for something, you'll fall for anything0 -
What are you on about ? It won/t be taken off the new card as the credit card company will decline any further transactions using the old card details. Bear in mind this dodgy company will be using the old cvc.
Clearly from your post count you have yet to become very active on the MSE forums. Before leaping in to criticise others who have been giving good advice for a long time I suggest you spend a bit of time browsing to learn about things, as most of us do. You will see many threads in which the issue of CPAs is discussed, and you will discover that what you are saying is simply incorrect. To explain a bit more, it's not really the card number that is used for the CPA, it's the underlying account details at the credit card company, and these are the same whatever card number is issued.0 -
You are wrong.What are you on about ? It won/t be taken off the new card as the credit card company will decline any further transactions using the old card details. Bear in mind this dodgy company will be using the old cvc.
The card company can see which new card is linked.
The are legally obliged to pay the transaction which is authorised.
Why keep insisting you are right when you've already said you are unsure and don't even know what CPA is?
Best to bow out gracefully or even apologise.
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I have phoned my Credit card company, and explained, and they have referred it to the disputed transaction dept, but I still feel uneasy about money being taken in the future, as the Credit Card company advised that even if they cancel the card, subscriptions are still debited from the account.
Cancelling or losing your card probably won't stop future payments being taken. One simple solution might be to contact your card issuer and "telling it 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."
Not my words. Taken from page 15 of the Bank accounts - Know your rights leaflet published by the FSA. Although the leaflet is about bank accounts, this parts appears to cover credit cards too.0 -
CPA = Continuous Payment Authority. It's a bit like Direct Debit for credit and debit cards, but offers the card user no protection if anything goes wrong.
CPA will continue even when the original card is lost, stolen or expires. And a CPA will also continue if a card is reissued with a completely different account number because the old and new accounts will be linked.
CPAs can be difficult to stop. There are plenty of people around here who have borrowed from Pay Day Loan companies who have been able to take payment from their (debit) card despite it being lost just before pay day. :rotfl:
SnowTiger and lisyloo, thank you for your posts. Your information regarding CPA is very useful. I stand corrected.
lisyloo, please ignore my previous post.
Regarding the first original post zkfw, it is unclear if a CPA was signed. I can't find any mention of a CPA.You may question anything I say. Just be polite, otherwise you go straight on to my Ignore List, which funds a good old fashioned knees-up every Xmas. Cheers;)0 -
From post 1.
ONLY as I hit send, did I see the very small print at the bottom re it being a subscription based product.
We cannot say 100%, but it is very likely that it means there was a continous payment authority "signed" here. Probably at the point they ticked the "I agree to the terms and conditions" box. It was probably in the "small print".
If its a subscription (monhtly) product by credit card it's extremely likely the method was CPA.
My own interpretation of this is that you have to have "stopped permission" before you can legitimately tell your card issuer that you have done so.One simple solution might be to contact your card issuer and "telling it 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."
My interpretation would be that a letter sent recorded delivery would be adequate proof, but I do not think it would be acceptable to lie about "stopping permission" when you have done nothing, Neither is it acceptable for comapnies to effectively stop you cancelling by not answering the phone.0 -
My own interpretation of this is that you have to have "stopped permission" before you can legitimately tell your card issuer that you have done so.
My interpretation would be that a letter sent recorded delivery would be adequate proof, but I do not think it would be acceptable to lie about "stopping permission" when you have done nothing, Neither is it acceptable for comapnies to effectively stop you cancelling by not answering the phone.
Possibly. I suppose it could be interpreted that way. OP has emailed the company, presumably to cancel, and received a reply, so that should be enough.0 -
the credit card company will decline any further transactions using the old card details. Bear in mind this dodgy company will be using the old cvc.
There are still lots of companies that don't even bother with the CVC. For example, only last month I ordered from Amazon and wasn't even asked for my CVC - all they wanted was card number, name on card, expiry date and address. Transaction went through fine and I received the goods a few days later.0 -
I'm unsure, What is a CPA? ( not that it matters )
If the card is cancelled, the credit card company will decline any future transactions using the old cvc, which would include any recurring direct debits. I still think this is the best way forward and believe it will work.
You are very quick to belittle others, but I don't see you giving any advise.
Plenty of others have kindly pointed out what a CPA is, and how they are potential nightmares, so I'll not go into that.
I'm sorry you felt that I didn't didn't give any advice (not advise; that's the verb) but I feel by pointing out the flaws in your post I was being helpful and pro-active. I knew someone with greater knowledge and understanding in dealing with potential CPAs would come along to post accurate and correct help. I just wanted to highlight you were "misinforming" them, with the best of intentions I'm sure.
That is all.
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