Mr Lender Possible Fraud ?

[melowyelow]

Just to add Further Big George I had cancled CPA and the Card itself had been canceld

[biggeorge]

If you had cancelled the CPA and the card then the bank are at fault, Strong letter to the manager pointing out the banks failure

and what they must do to rectify the situation.

I would give them 7 days and then make a complaint to the FOS, Cost them £500 and still have to pay back what was taken from the bank account.

 

George

[melowyelow]

Any Template Letter ideas Anyone

[dx100uk]

fos is £850 now

 

seems like you need a brig letter..hang on...

[BRIGADIER2JCS]

Hi Mellowyelow,

dx asked me to look in I'll sort something out for you later today!!

[jacksi]

Im in a similar position to the original poster,

 

Mr Lender took 2 payments from a cancelled debit card which I have only found about today,

 

spoke to the bank and they are saying they cant do anything this time,

 

but will monitor from now on, and any further payment s will be re credited,

 

I said surely its fraud if that card has ben cancelled,

 

his answer no they are winthin there rights to do it.

 

Do I follow the same as the above and send the letters off.

 

Thanks

[BRIGADIER2JCS]

Hi melowyelow,

 

The approach now is to make a formal complaint to the Director ofCompliance at your banks head office, there is no need for quoting legislation etc in chapter and verse the banks are fully awre of the reality of being obliged to accept their customers instructions to calcel a CPA so:

 

PRIVATE & CONFIDENTIAL

The Director of Compliance

xxxxx xxx Bank Plc.

Head Office.

 

Ref: use your account number.

 

Dear Sir/ Madam,

 

Formal Complaint: Maladmimistration, Refusal to Cancel a CPA.

 

I have recent has cause to require my branch of xxxxxxx Bank to cancel a ''continuing payment authority in favour'' of xxxxxx, the staff at the branch have stated that they cannot cancel this as the company concerned will simply arrange another CPA or arrange a for a direct debit to collect payments.

 

I was also told that cancelling the debit card associtaed to the account would not stop payments being taken.

 

Despite my insistence that no further payments were to be made to xxxxxxx from my accounts xxxxxx bank have allowed further payments of £XX & £xxxx with out my explicit authority causing my accounts to go into unauthorised overdraft.

 

I am sure that the bank is aware that it is REQUIRED to accept a customer instruction to cease processing CPAs immediately after being instructed to do and I am sure that I do not have to quote ''regulatio/ legislation in chapter and verse as there has been considerable publicity regarding banks in general faiing to compy with customers instructions reagrding this type of payment.

 

I require xxxxxx bank to refund/reverse ALL all payments taken from my account in favour of xxxxx and the bank will cancel ALL charges incurred though its mismanagement/carelessnes of the whole matter.

 

I also consider that the bank should seriously consider fianacial redress for the stress and pressure this has caused me in making my already difficult finacial status even more problematical.

 

I am aware that the bank has 56 days to answer a ''formal complaint'' but considering the situation I would hope for a prompt response and resolution to this matter.

 

I reserve the right to make complaints to the relevant regualtors and if necessary refer the matter to the FOS.

 

SEND RM RECORDED DELIVERY AND CHECK DELIVERY..

[dx100uk]

Im in a similar position to the original poster,

 

Mr Lender took 2 payments from a cancelled debit card which I have only found about today,

 

spoke to the bank and they are saying they cant do anything this time,

 

but will monitor from now on, and any further payment s will be re credited,

 

I said surely its fraud if that card has ben cancelled,

 

his answer no they are winthin there rights to do it.

 

Do I follow the same as the above and send the letters off.

 

Thanks

 

the bank are WRONG

 

its YOUR MONEY

not theirs

 

get on the phone and DEMAND a CHARGEBACK..

 

don't get off the phone till they do it.

 

- The FSA website clearly states "The bank must make the refund immediately".

.

- The FSA website clearly states "Your bank must only refuse a refund for an unauthorised transaction if it can prove you authorised the transaction – though your bank cannot simply say that use of your password, card and PIN conclusively proves you authorised a payment".

.

- The FSA website clearly states "Your bank must only refuse a refund for an unauthorised transaction if it can prove you are at fault because you acted fraudulently or, because you deliberately, or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction."

.

- The FSA website makes no mention of a 15 day wait due to having an "existing relationship" with the retailer/payee.

.

dx

[melowyelow]

Absolute perfection thanks’ soooo much Guys

Will be in the post tomorrow i will keep you updated

[dx100uk]

post?

 

phone do it now!

 

use your banks phone banking line.

 

dx

[dx100uk]

sri ignore that, thought it was the other poster..urgh...don't hijack a thread..

 

dx

[BRIGADIER2JCS]

sri ignore that, thought it was the other poster..urgh...don't hijack a thread..

 

dx

 

My fault dx should have asked you to start a new thread.!