Recurring Payments Warning! discussion

dalesrider

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.

That is worrying.
But makes working out where it happened easier. Just look at the transactions between the last stopped card and the new one being stopped.
So you ruled out faimily, although I have heard kids deny it while talking to parents. Only to have them callback later to have found them admit it when they were told the police were going to be involved. but
So are there any carers?
Or someone else that visits on the regular basis?

The bank do not know the CVV on the card, as these are not stored on the systems.
Given that most of HSBC is based oversea's they would have nothing to gain from the fraud seen on the account.

Cenedra41

hello

apologies if my issue has already been covered but I need a little advice about a couple of payments which were made from my card as to whether or not the compahny involved were in the right or not.

I cancelled a premium tv channel subscription last week. For whatever reason they informed me that because I paid by direct debit this always meant I was two months behind. But they said I could clear this if I paid by card. I gave them my card details but then the customer services operative suddenly decided to put me on a retainer plan which I had expressly refused as it meant another long phone call to cancel a couple of months later. he cancelled this so I again offered to pay what I owed on my card to which he replied no need it would be taken by direct debit.

I was then informed by email that the direct debit was now inactive and a payment had been charged to my card with future payments also to be charged to my card.

I was angry because they retained the card details without my permission and also charged the card without asking permission first. In my point of view I gave them permission to do this only when I called them, not some days afterwards.

My question is, is this legal? I'm not sure although it certainly seems immoral if nothing else! I want to complain further but if I don't have a leg to stand on there's no point!

any advice?

many thanks

fourmerk

My husband has brain damage and I have Power of Attorney. About 2 years ago he ordered a case of wine from Virgin Wines. He says he didn't sign up to anything else. However, a debit to Virgin Wines for £97.98 appeared on his online statement two days ago. It was taken using the number of a card which expired in January. Husband has moved house since the only order.

Bank of Scotland, whose phone procedures are a nightmare, passed me round 4 departments and no-one seemed bothered that the card had expired. Their complaints dept said they'd take it up with Virgin.

Decided to call Virgin. Wine was being delivered yesterday. They said they'd refund when wine got back to them. They phoned about an hour later to say refund had been made and account closed, so no more unauthorised payments.

Thank you, Virgin Wines! No plaudits to Bank of Scotland.

midian

dalesrider wrote: »

That is worrying.
But makes working out where it happened easier. Just look at the transactions between the last stopped card and the new one being stopped.

So you ruled out family, although I have heard kids deny it while talking to parents. Only to have them callback later to have found them admit it when they were told the police were going to be involved. but
So are there any carers?
Or someone else that visits on the regular basis?

The bank do not know the CVV on the card, as these are not stored on the systems.
Given that most of HSBC is based oversea's they would have nothing to gain from the fraud seen on the account.

Just to update you on the good news. I did call the number, no-one answered. I emailed both customer services and accounts, no-one replied. Luckily HSBC contacted thecompany's bank and their bank contacted them directly. Information on the account was sent back to HSBC who sent it to us.

He have the fraudster's name, area in London he lives, his height, email, his IP address and after a quick google, place of work! And loads of photos he uploaded to dating the dating site paid for with my mum's card! We definitely do not know this man.

We have given all this information to the police.

The scary bit is that the site did not request any form of ID confirmation before taking money from my mum's card just a name (and name given did not match mum's card) the long number and the expiry date. no address / cvv etc.

vickivc_2

I have a recurring payment from Experia which I cannot cancel as my ex started it up and won't tell me the pass word he used so I can cancel it. It comes out of my Santander account but they say either Experia have to stop it or I have to take the drastic action of cancelling my card. Why can they not just cancel it off my account?

grumpyx

vickivc wrote: »

I have a recurring payment from Experia which I cannot cancel as my ex started it up and won't tell me the pass word he used so I can cancel it. It comes out of my Santander account but they say either Experia have to stop it or I have to take the drastic action of cancelling my card. Why can they not just cancel it off my account?

Santander are wrong. Since earlier this year the rules changed and the bank has equal responsibility on recurring payment. I have found call centre staff know very little. Try again. If they say you have to contact Experia, tell them that the bank can cancel as well. If they refuse ask for their superviser and keep escalating. If that fails send a written complaint with the names of the staff who do not know the banking system and expect some money as compensation.

dalesrider

grumpyx wrote: »

Santander are wrong. Since earlier this year the rules changed and the bank has equal responsibility on recurring payment..

2009 to be exact. That is when the EU introduced PSD (payment services directive)

vickivc. Ring Santander and ask for the Disputes team. They will know exactly how to deal with this.

fermi

Two new articles on the FCA website today.

FCA reminds banks of their obligations when cancelling Continuous Payment Authorities

Continuous payment authorities: it is your right to cancel

fermi

Interestingly, in the above....

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 (FSA), the FCA’s predecessor, began regulating banking conduct.

fermi

Now an MSE article.

---> Bank failed to cancel regular payment? Claim cash now