Can a company keep charging my debit card?

[andie_303]

I purchased something from a wholesale company a few months ago over the phone

and gave them my debit card details.

Since then they have helped themselves to my card without asking if it's ok.

 

Last week I ordered something and was told it would be dispatched in January (there's a manufacturing time of 12 weeks)

and they'd ring me to take payment then.

But today I've found that the company have just helped themselves to the money today

and for something else that I was told would be delivered on February.

 

When I've rang to ask why they've taken the money I was told they'd come in to stock sooner so just took the money now instead.

 

I would have liked a phonecall asking if it was ok before they just help themselves as I hadn't budgeted for that going out.

 

I haven't given them permission to take payment nor have it signed or agreed to any storing or continuing payment authority.

 

Lloyd's seem less than willing to get involved

- they've said I just have to take it up with the company who took the payment.

 

Surely they can't just keep helping themselves as and when?

[renegadeimp]

Get your bank to chargeback due to an authorised transaction, then get the card AND the CPA on your account cancelled.

 

They you need to get a full complaint going with the company.

[renegadeimp]

A second thought,

did they take more than what you actually owed,

since they sent the items out?

 

If they sent the items out and debited the account,

then there would have been a simple clause in their t&c's.

 

Normally something simple like " Payment will be taken at item of dispatch".

[andie_303]

There is technically no CPA or even a little line in their T&C's as they have none. They are doing a customer not present transaction on a pdq machine with my card details they have obviously stored without asking.

 

I've read somewhere that they aren't allowed to store the CVV number but I'm not sure how true this is?