Stolen Credit Card - Subscriptions?

National_Debtline

Mich81 wrote: »

Thanks, I'll quote that to Barclaycard and see if they pull their finger out!

Hope it does the trick! If not get back to us.

best wishes,

David

eddddy

National_Debtline wrote: »

Hello there.

These types of payment are called 'continuous payment authorities'

Continuous payment authorities are covered by the Payment Services Regulations 2009. These regulations set out how payment service providers, such as banks, building societies, credit card companies and so on, should operate payment systems.
The Payment Services Regulations make it clear that you can withdraw your permission for a payment, or series of payments, to be made using your debit or credit card.

(Snipped)

With the greatest respect, this is BAD advice for the OP.

The OP never gave permission, so there is no permission to withdraw. The OP says a thief set up the continuous payment authority.

If the OP writes to Barclaycard saying "I withdraw my permission for this continuous payment authority", it implies that she gave permission in the first place. This could prejudice the OP's claim for refund of any payments that have already been made.

In fact, the OP should write to Barclaycard saying "The continuous payment authority was set up fraudulently, please cancel it."

bsms1147

I'm surprised you didn't cancel the cards from the outset, OP, and instead only waited for the spurious charges to start appearing on your statement.

In fact am I right in thinking you still haven't cancelled the card?

bigadaj

jonesMUFCforever wrote: »

Only if they could be ar*ed to find out and as probably the police are not involved - they will get away with it.

That's a sad indictment of modern society, even if I do sound like I'm talking about the good old days!

dotdash79

I had this issue with capital one, where they had used it for a subscription for Norton Internet Security (the Irony), a year later and I had another one taken.

Ended up writing a complaint as they should have informed me a CPA had been set up and they should have spotted it, ended up with an apology and £50

jonesMUFCforever

bsms1147 wrote: »

I'm surprised you didn't cancel the cards from the outset, OP, and instead only waited for the spurious charges to start appearing on your statement.

In fact am I right in thinking you still haven't cancelled the card?

It is not you who cancels a card but the issuer.
As the card was reported lost it would have been cancelled but this would not cancel any CPA even if set up fraudulently.
What Barclaycard should have done was to refund OP with the sky charges and cancel any further payments to Sky.

bsms1147

jonesMUFCforever wrote: »

As the card was reported lost it would have been cancelled but this would not cancel any CPA even if set up fraudulently.

A CPA remains active even if the card details/card number changes? Didn't know this.

jonesMUFCforever

bsms1147 wrote: »

A CPA remains active even if the card details/card number changes? Didn't know this.

A lot of people think this - especially ones who have taken out payday loans with a repayment pending!

bsms1147

jonesMUFCforever wrote: »

A lot of people think this - especially ones who have taken out payday loans with a repayment pending!

Damn, plans of riches foiled.

Mich81

Little update.

Last month Barclaycard promised me they'd cancel the CPA - today another payment has come out for Sky - this time for double the amount which has again taken over my credit limit

To rub salts in the wound, I also just got a letter from Barclaycard referring to a default sum for going over my credit limit last month (because of this problem) - it mentions the consumer credit act 1974 - this isn't an actual default is it? Please tell me not, I'm already furious as it is!