Un-Authourised Payments Taken from Bank Account

26 Posts

in Credit cards
Hi Guys,
I had a Zable credit card. I ran in to financial problems and sought help. I was advised (Advice Shop, Bathgate) to report my debit card as lost, this giving me a new card with a new number, therefor no payments could be taken. I also contacted Zable to inform them of my situation. 3 months later, money has been taken from my account by Zable. I contacted Barclays and explained the issue and they said "it doesn't always work that way". How did Zable get my new card details? I certainly didn't give them it. Is it just a case of calling Barclays and asking for peoples card details and they are like "sure, here you go"? I can't think how else it would be possible.
Where do I stand here? Any advice would be gratefully received.
I had a Zable credit card. I ran in to financial problems and sought help. I was advised (Advice Shop, Bathgate) to report my debit card as lost, this giving me a new card with a new number, therefor no payments could be taken. I also contacted Zable to inform them of my situation. 3 months later, money has been taken from my account by Zable. I contacted Barclays and explained the issue and they said "it doesn't always work that way". How did Zable get my new card details? I certainly didn't give them it. Is it just a case of calling Barclays and asking for peoples card details and they are like "sure, here you go"? I can't think how else it would be possible.
Where do I stand here? Any advice would be gratefully received.
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Will I be entitled to getting the payment returned, as it put's me in the brown stuff regarding direct debits? I called Barclays this morning, but as the payment is pending, they said they can't do anything and I can't contact Zable until Monday. As far as I'm concerned, I did not authorise this payment. However, I am aware about small print and stuff. Where do I stand? I'm clearly not the sharpest tool in the box.
You can stop CPAs, but just not by reporting a debit card as lost:
https://www.fca.org.uk/news/news-stories/continuous-payment-authorities-it-your-right-cancel
If you've borrowed money from Zable on the basis that you'd be making monthly repayments by CPA, you can't unilaterally withdraw from your obligations, unless Zable agreed to some alternative repayment plan - what did they say when you contacted them?
I now know that was not good advice, but it's still put me in a situation where I can't cover my direct debits, because money has been taken from my account that I hadn't covered for. Zable is not at fault here. The advice I was given is. Now I'm screwed.
If your finances are marginal enough that you effectively have the choice between servicing a 'really small' debt or paying your other bills, then you'd probably get more accurate and valuable advice by posting on the debt-free wannabe board on here:
https://forums.moneysavingexpert.com/categories/debt-free-wannabe
StepChange - https://www.stepchange.org/
National Debtline - https://nationaldebtline.org/
Citizens Advice - https://www.citizensadvice.org.uk/
You still owe the money, even if you've lost your card.
I think that 'Advice Shop' needs to be closed down. They are going to cause a lot of people to get into a lot of financial difficulty.
Whatever your adverse financial situation, you can speak to someone at one of the free agencies. It's a free phone call and they are non-judgemental. I'd use StepChange for preference because they helped me out of a terrible financial mess a few years ago.
All the agencies can advise you and you can either accept their advice or not. But at least you'll be able to get some idea of the options that are open to you. All is not lost. But you need to start taking control and by coming here, you've taken that first step.
I'd definitely recommend contacting one of the reputable debt help agencies.