Recurring Payments Warning! discussion

They_make_all_the_rules

I have been caught out by a CPA of which I was unaware. My fault as it was on a card that was otherwise dormant. I had to move home and failed to update my contact details. The card details given for payment had long since expired and no longer matched any card that I held. I have been informed that this is irrelevant. The details given are linked to an account and not a card so will be continuously updated by the card issuer. Being unaware of the situation the account ran into default and I now have all the serious long term financial consequences that are associated with that.
I accept that this is my own fault and have been taught a very severe financial lesson which is now causing me extreme difficulty.
I will never again allow goods or services to be paid for in this way, or hold onto unwanted credit card accounts.

Be careful out there!

michellerfc

I am having a great time too with this problem. Mine is worse as it is fraud in my eyes but not the bank. I didn't even sign up with this company!

I have a DVD company in Ireland taking money out of my account even though I haven't signed up with them. The bank can't do anything even though last time they refunded me, and they have this time again. The company didn't reply to Visa as they ovbiously can't prove I signed up. That's where I don't understand why Visa can't them block this company from taking the money from me again.

The phone number for the company rings out, the bank even tried and last time I emailed I got no response. I have emailed again. Not sure what else to try.

The bank said they doubt the company even ships to the UK but they don't think it's fraud as the frauster would be taking every penny they could, which I agree.

I was signed up to a dvd company Onlinedvdrentals in the UK for a short time about 18 months ago but they were rubbish and I wonder if it's a subsisuary of the same company.

carolead

I have benn trying to stop a recurrng payment on my c/c but also I can find a website for the company there is not contact details to ask them to stop. Anyone know what I do next?

Optimist

carolead wrote: »

I have benn trying to stop a recurrng payment on my c/c but also I can find a website for the company there is not contact details to ask them to stop. Anyone know what I do next?

Read this here it should cover your situation

midian

Checking my 73yr old mother's account I found a payment of £60.70 to 'World Singles' via an international transaction. Clearly this is a fraudulent transaction but I was advised to advised to phone the number on the statement! I am now supposed to foot the bill by calling a random international number. I am furious with HSBC's telephone fraud team for this nonsensical advice. It seemed bizarre when they said they could not guarantee this will not happen again when I have expressly said this payment was never legally authorised in the first place.

Thank goodness for MSE. I now am going back to the bank with the FSA guidelines.


I was lucky. I was complaining to my nephew who works for Barclays. He was the one who told me the name of the payment transaction (CPA) as I didn't understand why they said it was a recurrent payment when it had obviously come through the card. As my mum has suddenly had a rash of fraudulent transaction on her account he has also advised me to make the complaint at a different bank in case it is someone in-house who is selling mum's details. I dread to think how non-tech savvy people are dealing with this.

dalesrider

midian wrote: »

Checking my 73yr old mother's account I found a payment of £60.70 to 'World Singles' via an international transaction. Clearly this is a fraudulent transaction but I was advised to advised to phone the number on the statement! I am now supposed to foot the bill by calling a random international number. I am furious with HSBC's telephone fraud team for this nonsensical advice. It seemed bizarre when they said they could not guarantee this will not happen again when I have expressly said this payment was never legally authorised in the first place.

So you know exactly what you mother spends her money on? perhaps she has taken up internet dating.... perhaps the fraud team, could see other payments to the company. Which would point to a CPA, not fraud.
Do you have authority to talk to the bank about her account?

midian wrote: »

Thank goodness for MSE. I now am going back to the bank with the FSA guidelines.

Which would these be?
Because under PSD, they still have the right to refuse refunds if they think its a genuine transaction.

midian wrote: »

I was lucky. I was complaining to my nephew who works for Barclays. He was the one who told me the name of the payment transaction (CPA) as I didn't understand why they said it was a recurrent payment when it had obviously come through the card. As my mum has suddenly had a rash of fraudulent transaction on her account he has also advised me to make the complaint at a different bank in case it is someone in-house who is selling mum's details. I dread to think how non-tech savvy people are dealing with this.

Er... how can you make the complaint to a diffrent bank.... You think Barclays will deal with HSBC accounts.
The HSBC fraud team will have noted your conversation and if you call again then you will get the same advice. The team will all work out of the same office.

Your nephew needs to be very carful making comments like in-house fraud.....
Does you nephew work in a area that deals with this?

midian

Thanks you for your reply. I do need to elaborate on a few things. I hope this makes it clearer.

dalesrider wrote: »

So you know exactly what you mother spends her money on? perhaps she has taken up internet dating.... perhaps the fraud team, could see other payments to the company. Which would point to a CPA, not fraud.
Do you have authority to talk to the bank about her account?

My mother was there with me the whole time I spoke to the bank.

She authorised me to talk to them as she was very distressed to find the payments taken out of her account. I have taken a more active oversight role as she has been very ill of late and doesn't get to the bank as much as she used to. On the phone I relay all what is happening to her as she is sat beside me. She really is not tech savvy and there is not even the slightest chance that the internet payment was authorised by her.

dalesrider wrote: »

Which would these be?
Because under PSD, they still have the right to refuse refunds if they think its a genuine transaction.

It is not a genuine transaction.

dalesrider wrote: »

Er... how can you make the complaint to a diffrent bank.... You think Barclays will deal with HSBC accounts.
The HSBC fraud team will have noted your conversation and if you call again then you will get the same advice. The team will all work out of the same office.

I was not taking the compliant to a different bank. I was discussing my frustration with my sister and her son was there; he heard and told me what he thought. I am going to tell them that under the guidelines they have to stop the payments. I was told today that they would 'try' do that. also by refusing to call the international number on the statement I was made to feel that I was being unreasonable. Iwant them to confirm more strongly that they will stop future payments. And yes, mum will be with me; we have already organised that.

dalesrider wrote: »

Your nephew needs to be very carful making comments like in-house fraud.....
Does you nephew work in a area that deals with this?

We had to cancel mum's card about 6 weeks ago because of fraudulent itunes payments. Then fraudulent payments to t-mobile have been flagged by me. Now this. Each payment is getting larger. There is currently a £1.00 payment pending on mum's account that we cannot do anything about for a few days in cases it doesn't clear. My nephew was just giving suggestions to stop this. He does not know the specific bank. He suggested stopping using it for a while to see if the account calms down. He said it is not unheard of, and could be a first step to protecting mum.

He said being in a bank you just see so much about fraud that he is just wary. I think he also loves (and trusts) Barclays where works.

Sorry if I didn't make this as clear as I could.

dalesrider

midian wrote: »

Thanks you for your reply. I do need to elaborate on a few things. I hope this makes it clearer.


Sorry if I didn't make this as clear as I could.

TBH. This should have been a new thread.

Thanks for clearing it up.

So how many times has her card been stopped?

From what you have now posted it is clear it is fraud.
I work fraud and these are common retailers used.

Given a card was stopped 6 weeks ago, there would not still be a £1 auth relating to this outstanding.
14 days is the max a auth will sit there.

Just how much does your mother use her card?
As this is either a retailer she uses, or someone she knows that is taking and using the card details.
Such as kids for itunes & EE & t-mobile top-ups.
Please do not take that last comment personally. It is just from experiance of dealing with fraud.

TBH. making one call to that number is not a bad idea. As USA co are more than happy to provide details of who the account was set up by...
No DPA in USA

So will give you the evidence to go back to HSBC with proof. :T

molerat

Calling a US or other overseas number can often be cheaper than calling the usual UK 0844 customer service numbers.

midian

dalesrider wrote: »

TBH. This should have been a new thread.

Thank you again for taking the time to read and respond.

My apologies for not starting a new thread. I thought that as this is related to learning about CPA I put it here. As I have been asked more questions here I also will respond here.

dalesrider wrote: »

So how many times has her card been stopped?

Twice within 6 weeks. The ones causing problems were pending after the latest card was stopped. She does not have a card at the moment. There are now 7 incidents of fraud on 2 cards in 6 weeks.

dalesrider wrote: »

From what you have now posted it is clear it is fraud.
I work fraud and these are common retailers used.

Given a card was stopped 6 weeks ago, there would not still be a £1 auth relating to this outstanding.

I was told it is in the system and relates to just before the latest card was stopped.

dalesrider wrote: »

Just how much does your mother use her card?
As this is either a retailer she uses, or someone she knows that is taking and using the card details.
Such as kids for itunes & EE & t-mobile top-ups.
Please do not take that last comment personally. It is just from experiance of dealing with fraud.

She doesn't use her card a lot, tbh. She is now in a wheelchair & housebound. Even before she took ill she always insisted on going to use cash machines inside of her bank. The vast majority of her statements are for cash, DD or supermarket transactions.

Her card is always with her. The possibility of family-related fraud is always the first thing that should be investigated.

I did grill the only possible candidate (age 13) the first time and he indignantly protested his innocence and was visibly upset. We are a family that puts a high premium on honesty.

This second time there is also a payment to BTFON (beside the T-mobile payment) except we all have BT internet (including mum for when we visit) so there is no reason to pay for BTwifi as this is free to all subscribers. I am absolutely convinced it is not family-related fraud.

And the teenager is far too young for the world singles site.

That is why the older nephew said think out of the box of close-to-home suspects, starting at the bank.

dalesrider wrote: »

TBH. making one call to that number is not a bad idea. As USA co are more than happy to provide details of who the account was set up by...
No DPA in USA

So will give you the evidence to go back to HSBC with proof. :T

I think I will call when I have mum beside me. At the time of calling HSBC I thought it was a reference number and they told me it was a phone number. I had no idea where in the world +949 was. It could easily have been an international premium number. I have since googled the number and found it is in California - which is not as scary.