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Company refuse la to cancel contract

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  • 30-05-2018 9:22pm
    #1
    Orange Juice 935
    Registered Users Posts: 39 ✭


    I have signed up to a company. Last year.
    Apparently I 'accidentally' signed up for something you had to pay for.
    For the last year every month I have been charged €150 a month.
    I found out four months ago and have asked them sevenral times to cancel. They haven't.
    What should I do

    I have gone to the bank to tell them to stop paying the company. They have refused to stop, I have to go to the company and cancel.

    If this breaks the law can you show me. What spacific law it breaks.


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    #2
    FreudianSlippers
    Registered Users Posts: 20,397 ✭✭✭✭FreudianSlippers


    Have you checked the T&Cs, the subscription email confirmation or the cancellation policy?


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    #3
    GM228
    Registered Users Posts: 8,925 ✭✭✭GM228


    Orange Juice 935 wrote: »
    Apparently I 'accidentally' signed up for something you had to pay for.
    For the last year every month I have been charged €150 a month.
    I found out four months ago and have asked them sevenral times to cancel.

    I'm more amazed at how someone pays €150 a month for 8? months and does not know they have.

    Seriously though there could be issues around how you signed up to it and how the T&Cs were conveyed to you, was there tick boxs involved etc.


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    #4
    markpb
    Registered Users Posts: 9,277 ✭✭✭markpb


    Orange Juice 935 wrote: »
    I have gone to the bank to tell them to stop paying the company. They have refused to stop, I have to go to the company and cancel.

    How did you pay the company, was it by Standing Order, Direct Debit or debit/credit card?

    SEPA rules specifically allow any customer to cancel a direct debit and also to request a refund of any direct debit made in the last eight weeks (Banking & Payments Federation of Ireland) Most banks allow you to cancel a direct debit online.

    If it was by standing order, you've no protection that I'm aware of you but can cancel it at any time. Most banks allow you to do this online.

    If you paid by debit/credit card, it's a little complicated. You will definitely be able to issue a stop instruction on a recurring payment agreement. You may also be able to request a chargeback on any transaction executed in the last six months. You don't have the same open-ended ability to chargeback like you do with direct debit though.

    Of course, that doesn't help you because you may still owe the company money so they can still persue you in other ways but at least the money is in your bank account.


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    #5
    Glass fused light
    Registered Users Posts: 1,576 ✭✭✭Glass fused light


    markpb wrote: »
    This makes no sense to me. SEPA rules specifically allow any customer to cancel a direct debit and also to request a refund of any direct debit made in the last eight weeks. Of course, that doesn't help you because you may still owe the company money so they can still persue you in other ways but at least the money is in your bank account.

    Banking & Payments Federation of Ireland

    It depends on if it was a DD or not, some uk companies use Continuous Payment Authority (CPA) as its apparently more difficult to stop.


    But sometime it's down to the counter staff on the day not being helpful or knowing what is possible.


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    #6
    368100
    Closed Accounts Posts: 2,067 ✭✭✭368100


    Glass fused light wrote: »
    It depends on if it was a DD or not, some uk companies use Continuous Payment Authority (CPA) as its apparently more difficult to stop.


    Buy sometime it's down to the counter staff on the day not being helpful or knowing what is possible.

    If its a card payment theyre taking report the card as lost, replacement will be a new number, expiry and cvv


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    #7
    markpb
    Registered Users Posts: 9,277 ✭✭✭markpb


    368100 wrote: »
    If its a card payment theyre taking report the card as lost, replacement will be a new number, expiry and cvv

    This isn't a reliable approach. Merchants performing recurring card payments can get replacement card details from their acquirer unless the cardholder specifically tells their issuing bank to stop accepting authorisations from that merchant.


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    #8
    368100
    Closed Accounts Posts: 2,067 ✭✭✭368100


    markpb wrote: »
    This isn't a reliable approach. Merchants performing recurring card payments can get replacement card details from their acquirer unless the cardholder specifically tells their issuing bank to stop accepting authorisations from that merchant.

    Correct for cards cancelled as being damaged. Not correct for lost/stolen as they are added to a hotcard file in case its fraudulent use.


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    #9
    markpb
    Registered Users Posts: 9,277 ✭✭✭markpb


    368100 wrote: »
    Correct for cards cancelled as being damaged. Not correct for lost/stolen as they are added to a hotcard file in case its fraudulent use.

    The original PAN is added to the hotlist but the new card is available via VAU/ABU.


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    #10
    c.p.w.g.w
    Registered Users Posts: 4,994 ✭✭✭c.p.w.g.w


    Close the account


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    #11
    368100
    Closed Accounts Posts: 2,067 ✭✭✭368100


    markpb wrote: »
    The original PAN is added to the hotlist but the new card is available via VAU/ABU.

    ABU doesnt update expiry date if it changes. Which it does for a lost or stolen replacement


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