Direct debits FROM a credit card?

simongregson

lisyloo wrote: »

This may not work where you are legally obliged to stick to a contract for a minimum period i.e. your letter may not be legal.
Credit card companies will not simply take your side at face value (or so I've heard).

I am not a legal expert, but I would have thought that the company have an obligation to act upon your instructions. It is not for the card company to decide if you owe a company money, merely to decide if you have authorised a payment to be taken. In this case you have made it clear that you have revoked the authority to take the payment from the card to the retailer.

Of course, this doesn't remove your obligation to pay the amount due if you owe it.

Personally I don't use CCAs for the very reason that there don't seem to be any hard and fast rules about them.

lisyloo

I am not a legal expert, but I would have thought that the company have an obligation to act upon your instructions. It is not for the card company to decide if you owe a company money, merely to decide if you have authorised a payment to be taken. In this case you have made it clear that you have revoked the authority to take the payment from the card to the retailer.

Hi Simon,

I'm not a legal expert either but I have heard of many cases where the card company will NOT follow instructions to cancel and people are told "You need to cancel with the retailer".

I don't know whether this is legal or not.
Sometimes companies do things that aren't legal (like illegal bank penalty charge).

But as long as this remains the way they behave in practice then (like you) I'd rather not get involved for a few points or a bit of cashback and would advise others not to get involved.

jamalfatty

Your card company though can only be reactive to payments being taken after you've advised them that you have cancelled it, they cant pro-actively cancel a CPA as they are a third party to the contract between you and the company you have been paying.