Payment taken after Credit Card Cancelled

"Yellow" wrote

OK so far... [You need to cancel the CCA with the merchant rather than with the CC co.]

"Yellow" wrote

Not quite. All you need to do is cancel your authority with the merchant; then any subsequent transaction is fraudulent / in error.

So if another transaction does occur, simply point the CC co to the copy of the cancellation of authority (which you copied to them as well, remember?), and then they'll have to reverse it.

"Yellow" wrote

I had problems with Freeserve a few years back and it will take you minimal research to find many a tale about many a so called reputable trader.

I think you will find it is actually quite difficult to go to the police over "something" and generally these matters are resolved in the civil, not criminal, courts.

So when, exactly, was the last time the CPS did a trader over their failure to cancel a CCA in a timely fashion?

Last time I looked, fraud and theft were criminal matters. But no matter, I didn't mention the police, you did. In any case, both civil and criminal courts apply "the law".

"Yellow" wrote

There's really no need... We're talking about a credit card here. You simply don't pay the unauthorised transaction. If the CC co decide to take you to court over it, then they'll have a very red-face in front of the judge when you point out that the transaction was not authorised (showing the proof that the cancellation letter was sent to both the merchant and the CC co) ...

"Yellow" wrote

How does the answer to that, affect anything?

wrote

Direct debits come under different rules. Check out the 'Direct Debit Guarantee'. Any errors need to be corrected immediately by your bank...

wrote

Couldn't you simply ask your bank for details of the originator of the direct debit on your a/c with them?

wrote

If you don't watch over your own finances properly, then you've only got yourself to blame!

wrote

If you end the relationship properly (including cancelling all outstanding authorities), then there should be no problem.

It's not simple for an individual either prosecuting somebody for a criminal act or taking out a civil action in an overseas court.

Have you ever tried asking them that? I did once, they hadn't a clue who/what was doing the Direct Debit.

wrote

In that case, it must be "in error", eh? [ & therefore need reversing ... !]

BTW - what is the "originator's number" for?

Why must it be an error? I had one that just had a four letter identifier (NUIL to be specific). It was a perfectly correct direct debit but it took me quite a while to find the corresponding files etc. that went with it. I have 20 or so direct debits set up on my current account, of these most are fairly easy to work out what they are but a few have cryptic payees like the "NUIL" above. Since I have quite a few possible things that this NUIL migt refer to it's non trivial matching them up.

As it happens I have now myself up an index on my computer where I have noted down what all the direct debits are for, including these cryptic ones, so I don't have to go searching again.

Whatever, the bank was worse than useless in telling me what NUIL was for.

You mean the "reference" against the DD - it only has a meaning to the originator surely so is absolutely useless unless you know who the originator is.

wrote

Didn't you notice my cheeky grin? ;-)

At 14:56:06 on 15/12/2007, snipped-for-privacy@isbd.co.uk delighted uk.finance by announcing:

No. He presumably means the "originator's number".

Which is where the originator's number comes in.

If the credit card company ignore your notification, you can go to the FOS