Visa

Just_landed

Well I have just had a go at Lloyds as many people should know they amongst others use Visa. Last year I insured a car with Admiral, at the time I said to the chap do not even try to con me next year by pressuring me to insure with you (it's always more expensive the second year) He looked at my details and said to me no problem because your card expires in three months time I thought good thinking no problem there then. So to my horror I received an Email today with a renewal notice (dearer of course) and, than I can get elsewhere saying we will Debit your card on X showing me the last 4 digits of the card, no problem I thought remembering what the lad said to me a year ago, just try to take the money then. I thought I better check the 4 digits on my new card and compare them to the four digits they quoting to me which I've had for only TWO weeks, which is the second card from the one I used a year ago. Well blow me they have the upto date card details. Turns out Visa pass / update your details to anyone who you have bought from with your cards. THIS CANNOT BE LEGAL SURELY ! I am telling this story to warn people on how bad it's getting Big Brother is taking over.

TheEffect

In short - it's completely your fault.

That's all I have to say.

Just_landed

Explain yourself.

MPH80

Visa really don't pass your details on to just anybody.

They pass your details onto a merchant who sets up recurring payments. There's a specific system you can access to retrieve up to date card information to continue making the payments you have agreed with the vendor.

However, if you specifically opted out of auto-renewal - then according to their terms and conditions you should have been opted out.

(Page 36 of the current motor insurance handbook)

M.

Just_landed

MPH80 wrote: »

Visa really don't pass your details on to just anybody.

They pass your details onto a merchant who sets up recurring payments. There's a specific system you can access to retrieve up to date card information to continue making the payments you have agreed with the vendor.

However, if you specifically opted out of auto-renewal - then according to their terms and conditions you should have been opted out.

(Page 36 of the current motor insurance handbook)

M.

Thank you for responding to this thread MPH80 it's helping me understand what is happening here. It's beginning to look like that Admirals Tele sales rep has not done his job correctly 1 : not ticked the box (do not renew) 2 : informed me about updating recurring payments with Visa. What do you think about this ?
I think Visa should protect people using there name / cards and contacted me to inform me that they have passed my new card details over to in this case Admiral. To top this off this was a Debit card payment but Lloyds are passing the buck & are saying it's Visa, who is responsible for what has happened, which I aim to get clarity on. What are your thoughts on what I have highlighted ?

grumbler

Just_landed wrote: »

It's beginning to look like that Admirals Tele sales rep has not done his job correctly 1 : not ticked the box (do not renew) 2 : informed me about updating recurring payments with Visa. What do you think about this ?

I think that one has to never believe to / rely on anything the sales people say and has to double-check everything. In some degree you can rely on what is written/printed - and you failed to check the box that wasn't ticked.

I think Visa should protect people using there name / cards and contacted me to inform me that they have passed my new card details over to in this case Admiral.

Visa are just a payments processing system and cannot inform all customers. It's a known fact that cancelling a CC doesn't stop Continuous Payment Authority.
MSE article: Beware continuous payment authorities

To top this off this was a Debit card payment but Lloyds are passing the buck & are saying it's Visa, who is responsible for what has happened, which I aim to get clarity on. What are your thoughts on what I have highlighted ?

Admiral and you are responsible. Contact them and demand cancellation and refund.

Herbalus

It's your responsibility to sort out your car insurance and then cancel with your existing provider. I don't have much sympathy with those who say auto-renewing is illegal and should be banned - what about those who forget to renew or find another insurer? They'd be left uninsured and commit a criminal offence.

Just_landed

grumbler wrote: »

I think that one has never believe to / rely on anything the sales people say and has to double-check everything. In some degree you can rely on what is written/printed - and you failed to check the box that wasn't ticked.
Visa are just a payments processing system and cannot inform all customers. It's a known fact that cancelling a CC doesn't stop Continuous Payment Authority.
MSE article: Beware continuous payment authorities


Admiral and you are responsible. Contact them and demand cancellation and refund.

Thanks grumbler a few good points and leads. Thank you

Just_landed

Herbalus wrote: »

It's your responsibility to sort out your car insurance and then cancel with your existing provider.


I DID ! but they still as far as I am concerned put as you like stole my details, with Visa aiding & abetting.


I don't have much sympathy with those who say auto-renewing is illegal and should be banned.


IT IS Without my consent. Read my post again.


- what about those who forget to renew or find another insurer? They'd be left uninsured and commit a criminal offence.

It is my responsibility to make sure I have car insurance NOT the so called nanny state, I truly believe this.

thenudeone

Lets say you go on a motoring holiday abroad for a few weeks knowing your car insurance is due while you are away, but also knowing that you have signed up for auto-renewal and that there is enough money in your account to pay it.

On the way back home, you are stopped on the road from the port, and your car seized by police for being uninsured, leaving you stranded with your family, and without your car, hundreds of miles from home. It turns out that you'd forgotten that you had lost your debit card during the last year and that your bank had issued a new one. Your insurers had tried to claim the funds, but it was rejected, so they wrote to you saying the policy would be cancelled in 7 days, which had occurred before you got back.

Would you accept that was perfectly reasonable of the banks and insurance companies; or would you think that was unreasonable and that you expected the banks and insurers to have a process in place so that agreed recurring payments would continue even if the card number changed due to loss or theft?

Answers on a postcard please.

Sparx

Your new card details were not passed on to Admiral.

If you have a CPA for an expired card, the bank's system automatically diverts any existing CPA attempts against an expired card to the new card and bank account.

Admiral are still none the wiser you have a new card, but because you did not contact your bank to cancel the CPA, they still allow CPA requests to debit your bank account still.

Post #6 grumbler has already provided you with a link regarding CPA.