CPAs for one-off purchases

fisherfolk5

These CPAs are a new problem that I’ve just encountered 
I tried to respond to a Facebook advert to buy some shoes. The company pretended to be Sports Direct but wasn’t at all.The shoes never turned up! And my bank have refunded the £37 I paid while they investigate. But more worryingly a recurring payment had been set up without me being aware. Although I have cancelled it with the bank, apparently it can be quite easy for them to get around. 

How can this be legal?

Browntoa

You've probably agreed to a recurring "membership" or something in the terms and conditions that you didn't read.

Can't believe anyone buys stuff through a Facebook advert and expect not to get scammed 

eskbanker

fisherfolk5 said:

These CPAs are a new problem that I’ve just encountered 
I tried to respond to a Facebook advert to buy some shoes. The company pretended to be Sports Direct but wasn’t at all.The shoes never turned up! And my bank have refunded the £37 I paid while they investigate. But more worryingly a recurring payment had been set up without me being aware. Although I have cancelled it with the bank, apparently it can be quite easy for them to get around. 

How can this be legal?

Sounds like it would be worth educating yourself on them:

Continuous payment authority: manage recurring payments - MSE (moneysavingexpert.com)

Having said that, what do you mean by "apparently it can be quite easy for them to get around"?

paul_c123

How did you originally pay?

CPA - Continuous Payment Authority - is the terminology used for a recurring transaction from a credit card. If its from a current account (or its associated debit card) it would be a Direct Debit or a Standing Order which was set up. 

CPA can be disputed with the credit card issuer. DD can be clawed back using the Direct Debit Guarantee. A standing order can only be set up by the account holder.

northwalesd

paul_c123 said:

CPA - Continuous Payment Authority - is the terminology used for a recurring transaction from a credit card. If its from a current account (or its associated debit card) it would be a Direct Debit or a Standing Order which was set up. 

That's not correct, a CPA is set up from either a credit card or debit card. If you set a recurring payment using debit card details rather than account details that's also a CPA, not a direct debit.