Ask a Scots Law Question, Get an Answer ASAP!
Hello, I’m Ben, a UK lawyer and will be dealing with your case today. I may also need to ask some questions to determine the legal position.
Did you pay on a credit card?
Thank you. These are known as ‘recurring payments’ and having difficulties with cancelling them is a common issue. Companies tend to use them as they have a one-off authority from the consumer to charge these payments on their card and do not have to set up direct debits or standing orders. It means the company can take amounts as and when they want to – the dates and amounts can also differ. Many genuine companies use them legitimately but there are unfortunately a small proportion of unscrupulous ones who decide to take advantage at the same time.
What makes things difficult for consumers is that their requests to end the charges are unanswered and the company either has not provided any contact details or they ignore all correspondence.
Assuming attempts to cancel these payments directly with the company are unsuccessful, you should contact the card provider - advise them that you are withdrawing your authority and making a formal request for them to terminate these payments. The Financial Conduct Authority has confirmed that in these circumstances “you do have the right to cancel directly with your card issuer. Once you have done this, it must stop payments immediately - it cannot insist that you agree this with the company taking the payment first."
Pursuing the company directly is unrealistic as they are based abroad and you have to go through court which will be financially pointless as you will spend a lot more than what is at stake.
Does this answer your query?
Calls are optional, you could have continued without one anyway or just obtained a refund. Has your original query about the payments been answered though?
Has your original query about the payments been answered though?