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

grumbler

grumbler wrote: »

...
Any payment that you authorised before reporting the card lost will be taken. ....

I think it will be more correct to say "can". If a card is replaced with a new one a company can get the new card details via Visa/Mastercard system. For a CPA some companies will do this, some won't.

Mr_Goodkat

K0SS wrote: »

Actually you're wrong. I've spoken to someone else, and he has also said to me, if I don't know about the CPAs it would be best to report the card lost. The companies in question will write to me. Also these are for services not for loans, or contracts, the service will simply be suspended if they don't receive the money.

It doesn't matter who else you have spoken to, reporting the card lost and getting a new one will not stop the CPA. Search these forums and you will find sorry tales of people still having their accounts emptied by the likes of pay day loan companies after simply cancelling the card. A CPA is not restricted to a single debit card it is linked to the account and you have given them authority to continue to take money so they will unless
a) you tell them to stop
b) you tell your bank to stop them

K0SS

Mr_Goodkat wrote: »

It doesn't matter who else you have spoken to, reporting the card lost and getting a new one will not stop the CPA. Search these forums and you will find sorry tales of people still having their accounts emptied by the likes of pay day loan companies after simply cancelling the card. A CPA is not restricted to a single debit card it is linked to the account and you have given them authority to continue to take money so they will unless
a) you tell them to stop
b) you tell your bank to stop them

:eek: What if the balance is zero, and I have informed the bank not to release any payments. I allowed a teenager to use this maestro card, and he has basically taken liberties with it, by letting a girl use it. And then having the audacity to asking me to accept a delivery for makeup and other crap. Who the heck shops at Harvey Nichols coughed up 300 odd pounds for one pair of trousers, I was expecting them to be gold plated or something. And now all these subscriptions to online gaming services etc. I should have known better to let him use the card.

K0SS

grumbler wrote: »

I think it will be more correct to say "can". If a card is replaced with a new one a company can get the new card details via Visa/Mastercard system. For a CPA some companies will do this, some won't.

What about for a maestro card?

Mr_Goodkat

K0SS wrote: »

:eek: What if the balance is zero, and I have informed the bank not to release any payments. I allowed a teenager to use this maestro card, and he has basically taken liberties with it, by letting a girl use it. And then having the audacity to asking me to accept a delivery for makeup and other crap. Who the heck shops at Harvey Nichols coughed up 300 odd pounds for one pair of trousers, I was expecting them to be gold plated or something. And now all these subscriptions to online gaming services etc. I should have known better to let him use the card.

Yes you should have known better as you have violated the t&cs of the account my giving your card someone else.


Sounds like whilst there may be some CPA's the majority are simply debit card transactions.


Expensive lesson learnt!!

K0SS

Mr_Goodkat wrote: »

Yes you should have known better as you have violated the t&cs of the account my giving your card someone else.


Sounds like whilst there may be some CPA's the majority are simply debit card transactions.


Expensive lesson learnt!!

Expensive lesson alright, so disappointed in him. He's my nephew, and every time I try and explain to to him, he just laughs it off as if his bought a box of cornflakes or something and I am overreacting.

colsten

You gave him your card and PIN (thereby breaking the T&Cs of your account) and he has spent your money with it. What else did you expect him to do with it?

meer53

Report the transactions as fraudulent, be prepared to report your nephew to the police.

K0SS

colsten wrote: »

You gave him your card and PIN (thereby breaking the T&Cs of your account) and he has spent your money with it. What else did you expect him to do with it?

I didn't give him the pin, he wanted to do online shopping. I did give him the secure-code though. I know totally my own fault, I paid for the stuff he has bought, but I am canceling the subscriptions, since those are services charged a month in advance. You live and learn. When I was a teenager I didn't do anything like this even though I used to have my dads credit card, it was only used on an emergency basis, even when I was studying in university sometimes I'd go without food, no way would I have spent 300 quid on some trousers.

K0SS

meer53 wrote: »

Report the transactions as fraudulent, be prepared to report your nephew to the police.

I let him off, since it would affect his career prospects in the future, I'd rather get him to pay me back from some of his part time work wages, which would hopefully make him realize how stupid he has been.