Yorkshire Bank Can't Confirm CPA's (Is this true?)

K0SS

I called YB to find out if there are any Continuous Payment Authorities set up on by debit card (Current Account Plus) I was informed that they're unable to check and verify this information on Current Account Plus. Apparently it isn't possible for them to check this as the "system doesn't allow it." I find this to be questionable, how could they not be able to check this information? Wouldn't an authorization be set up for a CPA? Or was the person I was speaking to simply misinformed?

meer53

The agreement is set up with the merchant you're paying by CPA, not with your bank. Banks don't hold CPA details as they're not something they have any control over.

The person you spoke to is correct.

K0SS

meer53 wrote: »

The agreement is set up with the merchant you're paying by CPA, not with your bank. Banks don't hold CPA details as they're not something they have any control over.

The person you spoke to is correct.

I just spoke to the information commissioner, and was informed it is possible to make a subject access request, and if I find that they do have the information about the CPA then, I can take the issue further to to FCA, since I can also request the transcript or recorded call where I was told that they don't have information about CPAs. It may well be that they don't have the information, but I'm not having random companies having free reign on my account and taking 100, 200 pounds willy nilly. So I have to know if there are other companies who also might have set up CPAs so I can cancel them before they take the money out.

Or I can just say I lost my card. Which would be easier, but now I am curious to get to the bottom of this.

In all honesty I don't trust YB after the whole saga of the direct debit which under the DD guarantee I was allowed (legally) to claim back promptly.

grumbler

Don't waste your time and your tenner. Banks can't see if it's CPA or not. They see just card payments. That's why, if you ask the bank to cancel CPA, they can't physically cancel it and can only keep refunding payments after they are taken.

K0SS

grumbler wrote: »

Don't waste your time and your tenner. Banks can't see if it's CPA or not. They see just card payments. That's why, if you ask the bank to cancel CPA, they can't physically cancel it and can only keep refunding payments after they are taken.

Maybe you're right. Report the card lost, would that be the best course of action?

grumbler

No, this won't change anything.
See MSE article:Beware continuous payment authorities

K0SS

grumbler wrote: »

No, this won't change anything.
See MSE article:Beware continuous payment authorities

Hmmm, unless I misread it. If they use the original 16 digit card number, surely that after reporting the card lost the original 16 digit number would be useless? and the new card would have a different number and different expiry date as well as the 3 digit security code?

p00hsticks

K0SS wrote: »

I'm not having random companies having free reign on my account and taking 100, 200 pounds willy nilly. So I have to know if there are other companies who also might

It's not 'random companies' (unless it's a case of fraud) - it's comanies who you have voluntarily given both your card details and your permission to request payments to in the past.

If you know who those companies are (and it you who should know, not your bank), then you can now tell the card issuer that you want to cancel the CPA for that company rather than going to the company itself - but I don't beleive you can jsut tell you bank not to honour any CPAs that they receive.

K0SS wrote: »

Or I can just say I lost my card.

I'm pretty sure this doesn't work - your 'lost' card still traces back to your bank and if you haven't cancelled the CPA then the bank will still honour it - even if you closed the bank account down I belive they can come after you at a later date if they subsequently get any CPAs through.

grumbler

K0SS wrote: »

Hmmm, unless I misread it. If they use the original 16 digit card number, surely that after reporting the card lost the original 16 digit number would be useless? and the new card would have a different number and different expiry date as well as the 3 digit security code?

You should have taken a little more time on reading:

Can't I just cancel my card instead?
With the new rules in force, such drastic action shouldn't be necessary. Besides, as the forum story above shows, it's not guaranteed to sort the problem.
When you cancel a credit card, the account remains open for a few months to ensure there aren't any as yet unprocessed payments on the card. If the retailer is still asking for the recurring payment, this will count as a new payment coming in and the card company will ask you to settle it.

It's far better to contact the retailer or bank to enforce your right to have payments cancelled. Then you know that the issue is fully and finally dealt with.

I think MSE are overoptimistic about just "a few months".

And, as p00hsticks said above, any cancelled card similarly remains linked to the new one for a while.

K0SS

p00hsticks wrote: »

It's not 'random companies' (unless it's a case of fraud) - it's comanies who you have voluntarily given both your card details and your permission to request payments to in the past.

If you know who those companies are (and it you who should know, not your bank), then you can now tell the card issuer that you want to cancel the CPA for that company rather than going to the company itself - but I don't beleive you can jsut tell you bank not to honour any CPAs that they receive.

I use my debit card on 100s of websites, gym membership, some sneaky companies have had a rule trail and then cancel but never informed me its a CPA. Some poker websites have been taking money out, 200 virgin media took out and then refunded it back. I don't have time to chase all these companies up.

I'm pretty sure this doesn't work - your 'lost' card still traces back to your bank and if you haven't cancelled the CPA then the bank will still honour it - even if you closed the bank account down I belive they can come after you at a later date if they subsequently get any CPAs through.

See my previous post, I don't believe this is possible, what if you genuinely lost your card, and someone subscribed you to CPAs using your lost card, it wouldn't make any sense.

K0SS

grumbler wrote: »

You should have taken a little more time on reading:
I think MSE are overoptimistic about just "a few months".

That would be to cancel a card, which would be different to losing a card, it also states credit card, what if you have a debit card? I don't know about this mate, seems a little grayish.

If the details on the new card are identical to the lost card, then the lost card would still work how would the bank know which is the lost card and which is the replacement card otherwise?