Had £69.99 taken from account

RuthnJasper

111222 wrote: »

Well if there's no money in the account that can't exactly take any out?

...aka "Fraud". I had sympathy to begin with, OP. Rapidly evaporating now...

111222

RuthnJasper wrote: »

...aka "Fraud". I had sympathy to begin with, OP. Rapidly evaporating now...

Well I have to live, I didn't know what I was doing, so unethical these sites and they know it, hopefully it's just the one charge, I am pretty sure it is.

Your right about the offsetting also.

cajef

pvt wrote: »

Once you give your debit card details to a company you cannot get out of paying any charges they subsequently charge using those details by closing your bank account, or cancelling your card.

Though recurring transactions can now be cancelled through your bank

http://www.moneysavingexpert.com/banking/recurring-payments

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf

Cancelling a regular card payment
When you give your credit or debit card details to a company and authorise them to take regular payments from your account, such as for a gym membership or magazine subscription, it is known as a ‘recurring transaction’ or ‘continuous payment authority’.
These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.
In most cases, regular payments can be cancelled by telling the company taking the payments. However, you have the right to cancel them directly with your bank or card issuer by telling it that 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.
Be aware, though, that you will still be responsible for paying any money that you owe.

gb12345

cajef wrote: »

Actually that is not correct, recurring transactions can now be cancelled through your bank

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf

Try reading what pvt said again - if you just cancel your card and do not ask for CPAs to be cancelled then payments will continue to be made.

cajef

gb12345 wrote: »

Try reading what pvt said again - if you just cancel your card and do not ask for CPAs to be cancelled then payments will continue to be made.

Edited for clarity.:)

111222

It's myloan.co.uk

here's their cancellation policy, although I may be to late.

. Cancellation

Under the Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive a full refund. If You wish to cancel your application, You must write to us. In this event We will refund your fee within 30 days of the date on which We receive your written request to cancel your application. . If you would like to cancel You must inform Us in writing by email to [EMAIL="customerservices@myloan.co.uk"]customerservices@myloan.co.uk[/EMAIL] or by writing to My Loan, Cottage Street Mill, Cottage Street, Macclesfield, Cheshire, SK11 8DZ.


So, do I just write them asking to cancel as I didn't receive a service, what else should I put in there?

Any tips here, have to be done tomorrow, hopefully might make it, already emailed them.?