Illegal to charge credit card without permission?

2sides2everystory

That might be true in the case of a bit of cabinet making or on-show carpentry where the quality of the workmanship and materials is self-evident, but DIY is hardly a good analogy to use to compare the multiple marketing channels in financial services. Cabinet-makers and carpenters are craftsmen who understand terms like 'quality' and 'lasting' and 'fit for purpose'.

Financial services is currently about short-term profit for those who work in the industry and about the tricks employed to extract money from their 'customers' when they least expect it.

You cannot point to any segment or product created by the financial services industry and say 'without doubt that is a quality product that will give reliable good service for decades and it will not be afflicted by the phenomenon of someone pitching up to remove one or all the legs at some future date or forcing you to remove the drawers and put them into a different style or construction of cabinet altogether made by a different manufacturer you might despise.'

There isn't anything that you have ever sold dunstonh which will ever get a valuation on Antiques Roadshow, now is there ? :rotfl:

tubsh

vax2002 wrote: »

Firstly : Once they hear the words wont be paying, they tend to get moving a bit.

Interesting to me!
I wrote to my bank SMILE (on line as appears to be the only way) and told them not to accept any request for money made by one-call to my credit card. At the same time I wrote to on-call telling them I withdrew any authority to take money from my credit card. I also told SMILE that if they did allow money to be take that I would not be paying the account and their reply was and this is from their reply
“As you've provided ONE CALL with your details were unable to stop these payments as this is details you've provided to them. If your now in dispute with this company you need to first raise this with them and if you have no success then you need to dispute this payment so we can investigate this for you.

Unfortunately this isn't fraud so if you choose not to pay you could affect your credit file. Please appreciate that you need to follow the dispute process and we can't just stop them as one company.”
So don’t pay and we will shag your credit rating.
So to say this will hurry them up is rubbish – they just counter threat and if you credit rating goes ‘tits’ you might as well give up.
As one call have taken the money they are in no hurry to resolve the dispute. customer services at SMILE quote 60 days to look into the case. So you have to be paid.

To quote lethal weapon – don’t use the drive through

vax2002

tubsh wrote: »

Interesting to me!
I wrote to my bank SMILE (on line as appears to be the only way) and told them not to accept any request for money made by one-call to my credit card. At the same time I wrote to on-call telling them I withdrew any authority to take money from my credit card. I also told SMILE that if they did allow money to be take that I would not be paying the account and their reply was and this is from their reply
“As you've provided ONE CALL with your details were unable to stop these payments as this is details you've provided to them. If your now in dispute with this company you need to first raise this with them and if you have no success then you need to dispute this payment so we can investigate this for you.

Unfortunately this isn't fraud so if you choose not to pay you could affect your credit file. Please appreciate that you need to follow the dispute process and we can't just stop them as one company.”
So don’t pay and we will shag your credit rating.
So to say this will hurry them up is rubbish – they just counter threat and if you credit rating goes ‘tits’ you might as well give up.
As one call have taken the money they are in no hurry to resolve the dispute. customer services at SMILE quote 60 days to look into the case. So you have to be paid.

To quote lethal weapon – don’t use the drive through

that what THEY said, remember every contract has two sides, enforce your side.

JimmyTheWig

tubsh, was that a "copy and paste" from the online response that you got or did you re-type it yourself?

Just out of interest.

dunstonh

2sides2everystory wrote: »

That might be true in the case of a bit of cabinet making or on-show carpentry where the quality of the workmanship and materials is self-evident, but DIY is hardly a good analogy to use to compare the multiple marketing channels in financial services. Cabinet-makers and carpenters are craftsmen who understand terms like 'quality' and 'lasting' and 'fit for purpose'.

Financial services is currently about short-term profit for those who work in the industry and about the tricks employed to extract money from their 'customers' when they least expect it.

You cannot point to any segment or product created by the financial services industry and say 'without doubt that is a quality product that will give reliable good service for decades and it will not be afflicted by the phenomenon of someone pitching up to remove one or all the legs at some future date or forcing you to remove the drawers and put them into a different style or construction of cabinet altogether made by a different manufacturer you might despise.'

There isn't anything that you have ever sold dunstonh which will ever get a valuation on Antiques Roadshow, now is there ? :rotfl:

The EU is considering banning execution only cases in some areas of finance. That will irritate a lot of people who do DIY with their financial purchases. However, it will prevent those like the OP who DIY but don't know what they are doing.

That said, the FSA may have been listening to you. The following just hit the financial press.

http://www.citywire.co.uk/new-model-adviser/price-comparison-websites-spark-fsa-concern/a497945?re=14565&ea=196312&utm_source=BulkEmail_NMA_Daily_PM&utm_medium=BulkEmail_NMA_Daily_PM&utm_campaign=BulkEmail_NMA_Daily_PM

tubsh

JimmyTheWig wrote: »

tubsh, was that a "copy and paste" from the online response that you got or did you re-type it yourself?

Just out of interest.

Cut and paste between the " "

ahall41116

their grammar is terrible!

JimmyTheWig

That was my thinking, ahall.
I'm no grammer nazi and if someone posted that in these forums I wouldn't care. But to get that from a bank I don't think is acceptable.

somethingcorporate

2sides2everystory wrote: »

Some of the most useless posts on a consumerist website are like this from the "the world revolves around ts and cs" brigade. I wish anyone that ever feels the need to post such wonderful and submissive hindsights actually stood back and came up with a reasoned view of what is fair in the world of contracts instead. Why do we think the Unfair Contract Terms Act 1977 was introduced over 40 years ago? Why was there a need for CPUTR2008?

What a highly amusing post! :rotfl:I bet if the company you work for stopped paying your wages you'd resort back to using your contract T&Cs to get them to pay!

Unfortunately if you work in the world of law or finance it is all about the T&Cs. From your crusader attitude my guess is you work in neither.

Just because YOU think a term is unfair does not necessarily make it so. I do however agree on your point that Unfair Contract Terms can and do exist but more often than not on this forum it tends to be ignorance is what is "unfair" and unfortunately in the world of T&Cs ignorance is no defence

dunstonh

but more often than not on this forum it tends to be ignorance is what is "unfair" and unfortunately in the world of T&Cs ignorance is no defence

On this forum, with some people, its a case of them thinking everything is unfair.