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Ben Jones
Ben Jones, UK Lawyer
Category: Law
Satisfied Customers: 49779
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rewardsnow is taking money out of my account i need to stop

Customer Question

rewardsnow is taking money out of my account i need to stop it bank has told me i need to ask rewardsnow to stop taking it but can not get hold of them
Submitted: 5 years ago.
Category: Law
Expert:  Ben Jones replied 5 years ago.
Hello, my name is Ben and it is my pleasure to be able to assist with your question today. If give out your card details that effectively gives the other side authorisation to use it to make recurrent payments. This is dangerous because it basically allows them to charge your card whenever they believe money is owed and they do not need your permission to do so. Your initial consent is sufficient.

Whilst 99% of companies will never abuse this and will only take money that is genuinely due, a small proportion use this loophole in a fraudulent manner. They often complicate matters even more by not providing any contact details which makes it very difficult to contact them to try and cancel the payments. Sometimes they will not actually have a number or others means of contact which places you in a rather difficult position.

The major issue is that there is no easy way to stop such payments. You will have to rely on the other party to stop taking the payments in the first place – you can’t simply ask your bank to block them.

If the payments are still being collected and the other party refuses to stop or simply ignores your requests, then you may need to raise a dispute with your bank or credit card provider. Contact them and state that you are disputing these unauthorised payments and request that they do something about it through their fraud protection scheme.

As an alternative, you may try cancelling the card that was used or even the account to which it is linked. Whilst in some instances that may work, if further recurring payments are made it could keep the account open and the bank may ask you to settle any debts first before it is closed.

In the first instance you should still contact the bank, whilst continuing to try and contact the party which is taking the payments.

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