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Jun 16, 2020
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Have you ever tried to get a CPA stopped on a credit or debit card. It is extremely difficult as you are told to contact the company and we all know that can be almost impossible going by our very recent experience. You get moved from pillar to post and loads of empty promises.
Problem is that you don't know it has been cancelled by the company until a payment has been taken. Nationwide advised us that it was simpler and quicker to cancel the card and get a new card.
Not according to CAB. I have stopped many DD’s and never had a problem. But if I found I had one that kept getting represented against my instructions. I would expect my bank to reimburse. It is clear that it is their responsibility to follow their customers instructions. It is the law. It is not necessary but always wise to put instructions in writing.

CPA’s are a little different. But essentially the same, except overpayment must be claimed off the company, but only in the first instance.

No, you do not have to go through the company. Just the card issuer, but it is normal to go through the company and usually straight forward. Your experience seems to differ from Money Supermarkets advice.


See here for the detail.


But here is a extract.


IMG_0314.jpeg

John
 
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Jul 18, 2017
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John all very well reading the literature until you try cancelling a CPA and I am talking very recent experience. DD or SO are not na issue and have never been an issue.
 
Jun 16, 2020
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John all very well reading the literature until you try cancelling a CPA and I am talking very recent experience. DD or SO are not na issue and have never been an issue.
If I had entered into a CPA with an ‘difficult’ company. And my bank did not support me and follow my instructions. I certainly would not remain with that bank as I would not be able to trust them with my money. Which they have an implied and express obligation to do. The reason why DD’s and SO’s are less of a problem, is they are operated by the banks and not the company that sells the goods or service. But, as can be seen from the rules, the way they operate is little different and ultimately, you financial institution should be following your wishes.

I do have CPA’s but they operate without any problem.

Did you take your case to the Financial Ombudsman Service?

John
 
Jul 18, 2017
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I do have CPA’s but they operate without any problem.

Did you take your case to the Financial Ombudsman Service?

John
No need to go to the FOS as bank advised to cancel card and bank replaced the card. A lot easier than trying to contact the offending company.
 

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