This system seems very similar to PPI in that the consumer is not aware of it happening. What happens is that a bank accepts an instruction from a third party to debit a consumer's account with ANY amount without the consumer's permission. I have been swindled in this way, losing £396.23. I took out an annual car insurance policy in March 2015 for £199 WITHOUT any permission given by me for automatic renewal. On the 02 March 2016 the insurance policy expired. The first I knew about the theft / fraud was an email c.10pm on 01 March saying my account was going to be debited. At 08:00 Tuesday 02 March I checked my Lloyds bank account and saw there was the amount pending to be paid. I telephoned the bank and was told that as it was a pending item that nothing could be done to stop it BUT that the item would be reclaimed, I was given the original authorisation code which must have been agreed between the bank and the insurance company some time previous AND a Lloyds bank cancellation code which I took as further confirmation that my account would be corrected. At c.08:30 I telephoned the insurance company and asked why they had stolen money from my account. This was a call centre and they weren’t interested so I informed them of my conversation with the bank. On Thursday 04 March the money left my account and I have had two telephone conversations with Lloyds bank but still the monies have not been returned despite assurances it would be. Today Tuesday 09 March I was passing by a Lloyds bank branch so popped in and spoke to a manager who says the bank won’t be reclaiming the monies through the “system” so this contradicts what I was told by other Lloyd’s personnel. THE CONTINUOUS PAYMENT AUTHORITY IS A CRIMINAL [problem] and ought to be abolished or at the very least be an “opt in” option.

I have experience of how bad Consumer Protection is in the UK. Since February 2014 I have had a complaint with - The Ombudsman Service Limited Registered Office: Wilderspool Park, Greenalls Avenue, Warrington, WA4 6HL. Registered in England and Wales. Company registration number: 4351294 VAT registration number: 798 3441 79 - regarding the energy supplier switching process and the criminal activity of Spark Energy in attempting to charge me for gas and or electricity when I have been paying First Utility. The Ombudsman has failed to act, the latest response from them was 03 June 2015, Rhys Brown Ombudsman Services: Energy. I sent a reply on 01 July and reminder on 14 October. I have therefore decided to act by disqualifying ALL statutory authorities; they are obviously just a sop and actively support big business NOT consumers.

I have a very capable lawyer now, but the system is slow and in the meantime I have lost 6 years of my life. My mother, prematurely hers... The so called terrorists have the right action, sadly the wrong targets. Corrupt bureaucrats are the real evil and they exist in every department of government or organisation with powers of authority over ordinary citizens lives, local or national. Democracy is dead.

They ignore POAs and Enduring POAs. The legal system requires, not just expertise, but £ tens of thousands, legal aid is available but there are few lawyers that are any good who will undertake the work due to the time involved.

The authorities are the modern equivalent of the Nazi's. Social Services' departments should be held to account by local MP's and Councillors; but regrettably in some local government areas, Oxfordshire being one, they are not interested.

All financial institutions (FI) are the same, they are not interested in customers unless they can exploit them. For investors, it is much the same. I do not need to borrow so am always looking for top investments for 4 tranches of £25k. We should all keep our own Interest calculations as the FI are adept at making mistakes in their favour. One of their favourites is reducing interest rates at the end of a guarantee period yet refusing to transfer the account(s) to ones with better rates, giving the investor no choice other than to close the account. At this time they are particularly fond of ignoring representations from the investor. One answer if you feel screwed is to take out a loan for the amount of any losses or costs with the FI or a different FI in the same ownership and play one against the other. The ball is then in their court.

It was a repeat of the programme shown some time ago, possibly late last year.

Visit my website www.freewebs.com/robjameswills for details and beware.