Halifax / Wonga repayments

Chrissiew

It is bullying, all of the time, users come on here for advice, they get called clowns, idiots, thieves the lot, the high and might never get onto financial difficulty brigade believe they know everything when in reality they don't, I have had personal experience of something and get called all sorts, I think some of you are just bloody awful and if you haven't got advice just ignore the post instead of making people feel worse than they already do.

Apples2

Chrissiew wrote: »

users come on here for advice,

Probably better for everyone if the advice they do get is accurate rather then yours though surely?

DevCoder

If you read my reply, you will see that I state that Wonga can continue taking money under the CPA until the CPA is cancelled.

The pertinent point being that the CPA must be cancelled by the remitter with their bank. And even then section 67 comes into force (as also mentioned). Up to that point the CPA can still be enforced even without the original card details. At no point did I state that the bank can refuse to cancel the CPA or that the beneficiary can take funds after the withdrawal of the CPA.

Feel free to point out where in my post I stated that, as you think I did, Wonga can take funds after the CPA is cancelled? You seem to have deliberately ignored the fact that the CPA needs to be cancelled, not just the debit card being cancelled.

The OP stated that the debit card was cancelled but at not point stated they had withdrawn their consent to CPA under the PSR 2009, section 35.

So the advice given by a lot of posters to cancel (withdraw consent) the CPA was correct

So I would say that you should read posts more carefully (and accept you were wrong in this case of quoting my post), or that you are deliberately ignoring parts of posts as a WUM.

As for "working in that field", I've worked in that field for the past 20 years.

DevCoder

redfragglebiker wrote: »

It very much depends. If you have a CPA set up they can continue taking the money from any card linked with that account. Your best bet would be to ensure that you have cancelled your CPA with both Wonga and with Halifax. You can cancel with Halifax on the phone and it may be worth doing this ASAP so that Wonga cannot take funds before you have agreed your payment plan with them


CPA = Continuous Payment Authority

redfragglebiker wrote: »

If you ring the bank they can tell you if what you have is a continous payment authority. Best bet would be to give them a quick ring. They were really helpful when I wanted to cancel my cpa. (Make sure you ring the number on the back of your card not the normal telephone banking number though)

bargainbetty wrote: »

Incorrect. Please stop posting inaccurate advice.

AdamJK wrote: »

If you cancel the debit card then no payments can be taken using those details.... however....

Wonga will have set up a payment authority. You may not be aware but it will have happened and will be buried in all the bumf you signed. Leaving the morality of not paying your due behind, if you want to prevent further payments being taken then you need to cancel this authority with the bank. If you don't then Wonga can and will keep sending speculative authorisations through to try grab as much money out of your account as they can.

You need to call Halifax and ask to be put through to the Debit Card Disputes team. They will then take you through the process of removing the payment authority. However you should be trying to deal with this with Wonga, maybe coming to a payment arrangement first, that said the bank is duty-bound to cancel either way.

Edit: Chrissiew; trust me that the advice from others is correct. Cancelling a debit card only prevents new transactions where a CPA isn't in place. I'm usually the one on the other end of the phone!

RRRRodgA wrote: »

You are correct Apples, a CPA will almost always be set up with a company who takes your Debit Card details, especially for repayments or a subscription.

Despite cancelling a card the company can apply for the payment due to CPA on your card with them and since they're 'entitled' to do so they can take payments.

To the OP, give Debit Card disputes a call and they will get it cancelled for you. The quicker you get on it the better.

All stating the CPA needs to be cancelled.

The others that state a new bank account should be setup are a bit over cautious but as most banks don't seem to understand the PRS 2009 then it would ensure funds don't get removed during a protracted argument over CPA consent removal.

AdamJK_2

q3estion-mark wrote: »

Then read my link above and get your money back as they cannot do this. There is legislation to stop this malpractice.

You need to cancel, or request to cancel, the CPA first for the PSR claim to come into effect. Cancelling the debit card itself does not remove this authority.

You, by signing a contract for subscription, authorise the merchant company to take payments until further notice, if you don't subsequently inform the bank otherwise, how are they to know?

You're providing misleading advice. It's not a case of the big bad banks doing wrong, quite the opposite - in the majority of cases there is a clear benefit to this system. If you don't want a payment to be made then a) cancel the card to prevent future transactions and b) if you suspect a CPA (subscription) to be in use, ensure you inform the bank that this is to cease.

If you mark the card as lost/stolen and the CPA is actioned then FOS will not be able to help other than by the general 'treating customers fairly' route. The bank has acted within regulation, there's only a breech when they fail to act upon a vaild request.

Chrissiew

Oh for gods sake, here's how it went for all you know it all bankers on here

Me on the phone to Halifax lost card dept.

Hello, I left my bag on the bus, it's not been handed in and both my debit cards were in it

Halifax, ok we will cancel your cards immediately and send out new ones, it will take 3-7 working days, would you also like new pin numbers.

Me, ok thankyou, will I have to inform people who have the long number and other details that I no longer have the cards.

Halifax, yes you will have to do that as the cards are no longer valid and any requests for payment using the old card details will be returned as unauthorised

Me ok thankyou.

3 days later I receive an email from wonga stating that they have tried to take a payment using the card details I signed up with but the bank refused payment due to the card no longer being authorised, they said they would try again the following day, same email the next day but saying they would keep trying to take funds every day. 10 days later I received an email from wonga stating they have not been able to obtain funds despite trying on numerous occasions and asking me to get in touch to arrange a payment plan if I am in financial difficulties, which I did.

At no time, never, not at all did I cancel anything, no CPA, no PSR, nothing, I don't even know what they are.

Now I don't really care if no one believes me, I don't care that you seem to think you know it all, I know what I did, I know what Halifax did and I know what wonga didn't do!

DevCoder

The "know it all bankers" are stating the truth (even the one apparently on your side who also states the requirement to cancel a CPA)

It's entirely possible that Wonga, in your case, did not initiate a CPA which is why Halifax refused all one off payments (as the Wonga payments, and the other (true one off payments) that Halifax thought you were talking about would then become).

It does beg the question as to whether your bag was really lost with both debit cards in as you stated to your bank or whether you were just trying to escape the PDL trap (if not why not just give Wonga your new debit card details?).

Not judging, just as both myself and q3estion-mark will attest to, you should not lie to your bank as it can constitute fraud. Being honest and seeking help with CCCS etc is a far better plan then lying. You really really do not want CIFAS markers next to your name as this is detriment for far longer than six years.

Not saying you did, but people do, some get caught out and some then wonder why they can barely even get a basic bank account for the next 10-20 years.

Chrissiew

krisdorey wrote: »

The "know it all bankers" are stating the truth (even the one apparently on your side who also states the requirement to cancel a CPA)

It's entirely possible that Wonga, in your case, did not initiate a CPA which is why Halifax refused all one off payments (as the Wonga payments, and the other (true one off payments) that Halifax thought you were talking about would then become).

It does beg the question as to whether your bag was really lost with both debit cards in as you stated to your bank or whether you were just trying to escape the PDL trap (if not why not just give Wonga your new debit card details?).

Not judging, just as both myself and q3estion-mark will attest to, you should not lie to your bank as it can constitute fraud. Being honest and seeking help with CCCS etc is a far better plan then lying. You really really do not want CRFS markers next to your name as this is detriment for far longer than six years.

Not saying you did, but people do, some get caught out and some then wonder why they can barely even get a basic bank account for the next 10-20 years.

Oh my god THAT is what I have said in another post, Halifax have said that pay day loans are NOT recurring payments, they are a one off lump sum, unlike the poster who said love films still took payments even though she no longer had the same card, it's because love films are a monthly thing, wonga is not a monthly thing. I will not ever give my new debit card details to wonga, I have a basic card account as well as my ultimate reward account, the card account only ever has £1 in it to keep it open and every month I transfer the amount wonga want for the payment plan into it and then transfer it straight away into their bank account, they would never be able to take money out of the basic account due to not having the card details or there never being any money left in it.

DevCoder

Chrissiew wrote: »

Oh my god THAT is what I have said in another post, Halifax have said that pay day loans are NOT recurring payments, they are a one off lump sum, unlike the poster who said love films still took payments even though she no longer had the same card, it's because love films are a monthly thing, wonga is not a monthly thing. I will not ever give my new debit card details to wonga, I have a basic card account as well as my ultimate reward account, the card account only ever has £1 in it to keep it open and every month I transfer the amount wonga want for the payment plan into it and then transfer it straight away into their bank account, they would never be able to take money out of the basic account due to not having the card details or there never being any money left in it.

PDL can and mostly are CPA's though so in your case you were fortunate.

Which is why most people were not saying you were wrong per se, but that the person/people you were speaking to Halifax were wrong for the majority of PDL cases (virtually all PDL's register the loan as a CPA because the majority default on payment).

I don't think anyone has called you a liar, just that a CPA will not be cancelled by reporting a card lost/stolen.

Therefore the correct advice to the OP was

1. Cancel the CPA explicitly (if Halifax then stated to the OP then one didn't exist then thats ok, if a CPA then comes out the account then Halifax are liable under PRS 2009).

2. Last resort, close account and move monies to new account with an unrelated lender.

DevCoder

It would probably only be pursued if the person reporting the card lost/stolen then went on to dispute other transactions (which would have been legit), placing the bank at both a financial and ethical junction.

Sometimes banks go after smaller cases just to make a point but it is rare.