Credit card payments from expired card

Alas it is right.

A fraudster would not have had a continuing authority based on data valid at the time that authority was set up and would thus be caught by the wrong date. If this had been a first payment rather than (hopefully) the last in a string of payments it wouldn't have been authoriised.

Really?

I have had credit cards expire and forgotten to inform people and they then have to call me for new details - the transactions were never processed.

This cannot be right. If you can give a company continuous authority to debit your card account then you can also withdraw it. Write to PlusNet informing them that you are revoking the authority which you had previously given, and copy the letter to Egg. If they try to debit your card again after that, refuse to pay for the transaction. If necessary, go to court and let's see what they think about this ridiculous claim that you are forever liable for whatever charges the company feels like dumping on you.

Chris

At 12:23:12 on 04/01/2006, Sam Smith delighted uk.finance by announcing:

But did they actually set up a CCA or were they just submitting the old details as a new transaction again?

Not sure now. They had been monthly payments. CCA? Credit card agreement? Not sure what that is.

At 15:17:44 on 04/01/2006, Sam Smith delighted uk.finance by announcing:

Continuous Credit Authority; the credit card's answer to DD but without the protection.

I guess it must not have been a CCA then.

You are correct BUT the credit card company has no record of the authority only the issuer does. So you cancel with in this case Plusnet, and you should be ok. Just get it in writing!

Which is precisely why I suggested writing to PlusNet.

Chris

In message , Adam writes

The card's validity is distinct from the credit account validity.

It is the card that expires, not the account with the credit card company.

Its like a bank account. The debit card has an expiry date but the account hasnt.

In message , Sam Smith writes

I have had that as well, but they were not continuous authorities, just that they had retained my card details from the last time they used them.

The FOS might be quicker

"Adam" wrote

Why do that? They did nothing that wasn't to be expected. It's PlusNet that are at fault, isn't it - not Egg?

and move to a pyschic credit card company?