I thought I'd do it online this year, so having selected my best quote, I
proceeded with it until I reached the page that required my credit card
details.

Next, perhaps in response to my hesitating at this point, a chat window
suddenly opened. I was thus conveniently able to ask my concern
that, if I continued and completed this purchase, was I also consenting to a
continuous charge authority against my card?

The reply was that, not only was I indeed consenting, but also further that
I could not withdraw my consent online. This could only be done later -
by phoning them after I'd purchased.

I told them I didn't like that very much and would defer my decision while I
considered it.

Can anyone tell me then if this method is industry standard?

(This was Churchill Car Insurance btw).

"John Burke" wrote in message
...
I thought I'd do it online this year, so having selected my best quote, I
proceeded with it until I reached the page that required my credit card
details.

Next, perhaps in response to my hesitating at this point, a chat window
suddenly opened. I was thus conveniently able to ask my concern
that, if I continued and completed this purchase, was I also consenting to
a
continuous charge authority against my card?

The reply was that, not only was I indeed consenting, but also further
that
I could not withdraw my consent online. This could only be done later -
by phoning them after I'd purchased.

I told them I didn't like that very much and would defer my decision while
I
considered it.

Can anyone tell me then if this method is industry standard?

(This was Churchill Car Insurance btw).




Churchill, are they not a part of the Direct Line Group.

My DL insurance comes through each year with "if you do nothing your
insurance will be renewed using credit card **** **** **** 1234 (only the
last 4 digits are shown). From this I do a search and if I find it cheaper I
cancel the DL policy by phone. Never had any problems doing it. This said I
don't think I have ever found a cheaper provider, though I did change once
for personal reasons.

On Jan 8, 2:46*pm, "John Burke" wrote:
I thought I'd do it online this year, so having selected my best quote, I
proceeded with it until I reached the page that required my credit card
details.

Next, perhaps in response to my hesitating at this point, a chat window
suddenly opened. I was thus conveniently able to ask my concern
that, if I continued and completed this purchase, was I also consenting to a
continuous charge authority against my card?

The reply was that, not only was I indeed consenting, but also further that
I could not withdraw my consent online. This could only be done later -
by phoning them after I'd purchased.

I told them I didn't like that very much and would defer my decision while I
considered it.

Can anyone tell me then if this method is industry standard?


I have found a few instances where a one-off payment byu VISA debit
over the phone/internet miraculously became a continuous debit
authority. there seems to be little you can do about it.

Robert

"RobertL" wrote in message
...
I have found a few instances where a one-off payment byu VISA debit
over the phone/internet miraculously became a continuous debit
authority. there seems to be little you can do about it.

Tell your bank you didn't authorise a continuous authority and demand
a charge back.

--
Andy

Andy Pandy wrote:
"RobertL" wrote in message
...
I have found a few instances where a one-off payment byu VISA debit
over the phone/internet miraculously became a continuous debit
authority. there seems to be little you can do about it.

Tell your bank you didn't authorise a continuous authority and demand
a charge back.

ISTM that an unreasonable onus has already been created by that stage
though.

In my case the bank / card issuer could argue that my agreement to a
continuous charge authority was a condition of the original purchase.

"John Burke" wrote in message
...
Andy Pandy wrote:
"RobertL" wrote in message
...
I have found a few instances where a one-off payment byu VISA
debit
over the phone/internet miraculously became a continuous debit
authority. there seems to be little you can do about it.

Tell your bank you didn't authorise a continuous authority and
demand
a charge back.

ISTM that an unreasonable onus has already been created by that
stage though.

In my case the bank / card issuer could argue that my agreement to a
continuous charge authority was a condition of the original
purchase.

They would need to produce evidence that you agreed to a CCA.

--
Andy

On Fri, 8 Jan 2010 14:46:57 -0000, "John Burke"
wrote:

I thought I'd do it online this year, so having selected my best quote, I
proceeded with it until I reached the page that required my credit card
details.

Next, perhaps in response to my hesitating at this point, a chat window
suddenly opened. I was thus conveniently able to ask my concern
that, if I continued and completed this purchase, was I also consenting to a
continuous charge authority against my card?

The reply was that, not only was I indeed consenting, but also further that
I could not withdraw my consent online. This could only be done later -
by phoning them after I'd purchased.

I told them I didn't like that very much and would defer my decision while I
considered it.

Can anyone tell me then if this method is industry standard?

(This was Churchill Car Insurance btw).

I've never been asked to set up a CCA for insurance. I'd avoid this
company and buy elsewhere. Try a real insurance broker. I can almost
always get a better quote this way than I can online.

--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking most articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.
[Reply-to address valid until it is spammed.]

"John Burke" wrote in message
...
Andy Pandy wrote:
"RobertL" wrote in message
...
I have found a few instances where a one-off payment byu VISA debit
over the phone/internet miraculously became a continuous debit
authority. there seems to be little you can do about it.

Tell your bank you didn't authorise a continuous authority and demand
a charge back.

ISTM that an unreasonable onus has already been created by that stage
though.

In my case the bank / card issuer could argue that my agreement to a
continuous charge authority was a condition of the original purchase.

When you say "could argue", do you mean "could validly argue" ?

I ask because there is nothing in your previous post to suggest that it
could.

--
FERGUS O'ROURKE
www.twitter.com/ubfid
www.irish-lawyer.com
(Not just law stuff)

"RobertL" wrote in message
...
[snip]
I have found a few instances where a one-off payment byu VISA debit
over the phone/internet miraculously became a continuous debit
authority. there seems to be little you can do about it.

If you have not given such authority, just tell your card issuer.

If it fails to act, there is the FOS.

Even if you did give an authority, you can cancel it, and tell the card
issuer that you have done.
--
FERGUS O'ROURKE
www.twitter.com/ubfid
www.irish-lawyer.com
(Not just law stuff)