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She should CANCEL the card.
She can say it has been lost
The bank will then issue a new one and the direct debits should bounce
This is a common scam and several people have asked on here recently about an american company
But call the bank, say the card has been lost and they will issue a new one
Can I clarify anything for you about this today please?
Yes please. The main issue once again is whether cancelling her direct debit too will be used against us in not returning the £18000 the company also owe us.
I have cancelled my credit card and know they will investigate and I have some rights, so my understanding has been that they can't use it against me to not refund the £18000 but does my friend have the same rights with her debit card or will canceling the subscription give them a legal excuse not to refund our £18000?
No - you are not liable for each others debts.
They can not use it as an excuse.
Does that help?
I'm not sure what you mean.The £18000 is between my friend and I - I put all the £18000 on various credit cards but that has already all been paid out - but we are each also paying a subscription each month by direct debit
Ok - but they are individual contracts?
The direct debit each month is individual (we were each obliged to sign a 24 month contract for the elusive CDs). The £18000 is a separate one off payment between the two of us.
I'm not sure why she should have to lie to the bank. Surely it's best to tell the truth? That's why I need to know that she has rights with her debit card too.
Rights with debit cards are hardly anything
Its the same as using cash
Credit cards the issuer is liable under the Consumer Credit Act
But to stop charges she needs to cancel the card - otherwise they can continue to charge
The only reason we didn't cancel in the first place is because we need to be aware of our rights. I know she can cancel but will that be seen as her breaking the contract even though she has not received the products?
If they have breached the contract you can consider it ended.
Ok. Thank you.
I dont see why you should continue to pay when you are not getting anything
Can I clarify anything else?
Sorry, please confirm why she would need to lie to the bank if that is the case
No, you are just asking for a new card.
OK. So if she has a right to cancel, she can therefore tell the bank the truth of what has happened?
I don't understand why you suggested not telling the truth in the first place?
Banks can sometimes make it hard to cancel your card.
They may be unwilling to replace it if it has not been lost
In my experience
They don't always like it when you have a direct debit.
They have said before well you signed up, its tough
That is why
Does that clarify matters?
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