**urgent advice needed**

stclair

Just some feedback having spoken to the team myself.

This is what happens:

* customer calls to cancel CPA
* the bank cancels the CPA
* a communication is sent to the retailers bank to advise of the cancelation and any future payments will be deemed as unauthorised
* a blanket stop is not available
* this is why? They say to check your statement for a few months
* should any payments be taken after the cancelation request will be refunded automatically.

So really that's kind of in line with what was said originally.

BMN

A CPA isn't something the bank can identify in realtime as the transaction is taking place - it appears like any other card transaction on your account.

Many people cite the Payment Services Regulations when wanting to cancel CPAs but fail to acknowledge that your withdrawal of consent for the payments "must be given in the form, and in accordance with the procedure, agreed between the payer and its payment service provider". For most banks this will actually be in writing as it isn't something a standard telephone advisor can deal with.

stclair

BMN wrote: »

A CPA isn't something the bank can identify in realtime as the transaction is taking place - it appears like any other card transaction on your account.

Many people cite the Payment Services Regulations when wanting to cancel CPAs but fail to acknowledge that your withdrawal of consent for the payments "must be given in the form, and in accordance with the procedure, agreed between the payer and its payment service provider". For most banks this will actually be in writing as it isn't something a standard telephone advisor can deal with.

Exactly thats like asking my bank to cancel every transaction to Tescos it just is not going to happen that easily.

pmduk

ADIE2805 wrote: »

Well surely if PDL try to set up another CPA after it's been officially cancelled then they will be done for theft!

Without getting into the OP's circumstances, if money has been borrowed and not repaid when agreed, the borrower doesn't have the moral highground to accuse others of theft.

ADIE2805

pmduk wrote: »

Without getting into the OP's circumstances, if money has been borrowed and not repaid when agreed, the borrower doesn't have the moral highground to accuse others of theft.

Thanks for pointing that out but no YOU don't know our circumstances, so I would be very careful of your slander.

pmduk

ADIE2805 wrote: »

Thanks for pointing that out but no YOU don't know our circumstances, so I would be very careful of your slander.

Had my post defamed you in any way it would be libel not slander. However my post contained nothing but the truth. Can I point out that it was you who started allegations with your suggestions of potential theft.

ADIE2805

pmduk wrote: »

Had my post defamed you in any way it would be libel not slander. However my post contained nothing but the truth. Can I point out that it was you who started allegations with your suggestions of potential theft.

Like I said it's OUR circumstances and because of a little misquote you seem to have got you knickers in a twist.
Anyway enough of the little squabble and if you read my first post it's about the bank not the PDL! :cool:

Hominu

pmduk wrote: »

if money has been borrowed and not repaid when agreed, the borrower doesn't have the moral high ground to accuse others of theft.

Indeed, I've heard of many cases where the borrower wants to stop paying a loan because they have more important things to spend what little money they have, such as putting food on the table and sometimes internet, TV, and mobile phone contracts.

sacha28

Hominu wrote: »

Indeed, I've heard of many cases where the borrower wants to stop paying a loan because they have more important things to spend what little money they have, such as putting food on the table and sometimes internet, TV, and mobile phone contracts.

Quite, but maybe not worded as 'wanted' rather 'needed'.I stopped mine because I couldn't feed my 18 month old son or put clean nappies on his backside. At that point I had already got rid of my landline, internet, tv, mobile phone contracts, car and anything else that I saw as unnecessary. One massive, vicious circle.....got a PDL to get important things, pay it off, get to middle of the month..found I would of had money if I hadn't taken PDL but did so didn't so got another PDL to get the things I needed...and so it continued. Of course it didn't help that I was on maternity leave when this was going on and we were so desperate I went back to work when my son was just 5 months old

Hominu

Then I sympathize with you, sacha28.

However, I know people who consider that their iPhone is the most important thing they own, so much so that they'll go hungry in order to keep paying the £35/month they are paying for it (on a 24 month contract).

Likewise, I've heard other people say that 'internet' is essential for modern day living, so they cut back on other things like heating and food to ensure they can afford it.

Ridiculous I know, but it does happen.