<< Further, I was advised that I would have to contact the organisation if I wished to cancel the recurring payment. >>

Interesting you should mention that, Fester. I had the same experience a few years ago. It is one thing that just keeps coming back into my head, often in the middle of the night when I’m suffering from insomnia.

It is just so totally wrong! You should of course have total control over this sort of thing. If you decide to terminate donations to an organisation or whatever the case may be, you should be able to do it very easily, directly with your bank, end of story.

dont start me on..bwankers
its real easy,today..to close accounts
i once signed one of them monthly withdrawal..things..for the greens
then was refused entry..to a greens meeeting..so simply informed..the bank..no more withdrawals to account number etc..and that scam ended

but other scam's.. go on

bank of england
http://www.zerohedge.com/news/2013-09-26/bank-england-experiencing-technical-difficulties

bank holiday pannama
http://news.goldseek.com/GoldSeek/1380224271.php

greece showdown
http://investmentwatchblog.com/greece-military-coup-detat-showdown-saturday-president-must-step-down-or-else/

jp morgan
11 billion

http://www.blacklistednews.com/JPMorgan_settlement_with_Justice_Department_could_exceed_%2411_billion/29163/0/38/38/Y/M.html

france=100%
http://investmentwatchblog.com/france-taxes-at-100-this-is-your-future/

loot public pensions
http://www.rollingstone.com/politics/blogs/taibblog/looting-public-pensions-a-new-think-tank-study-20130926

U.S. Running Out of Cash More Quickly
http://online.wsj.com/article/SB10001424052702304526204579097331330163784.html?mod=ITP_pageone_0

http://www.celestinevision.com/celestine/forum/viewtopic.php?t=3750

I see your confusion, Fester.

>>Just to clarify, the recurring payment authority I signed included card details and an expiry date. My assumption was that the agreement would end with the expiry of the card.<<

Wrong assumption.

Including the expiry date in the payment authority was purely an additional check on the validity of the card itself, not an indicator of a finite payment term.

>>But the fact is that card expiry is no barrier to funds being drawn<<

The account against which the card operated did not expire. You (presumably) happily extended its life by renewing the physical card itself. Having to renew all regular payments each time a card reaches a certain date is far more hassle than simply telling one retailer to switch off the agreement you have with them.

>>Yes, I could cancel the card to stop the payments, but it would be easier if I could make a specific request to the bank.<<

Cancelling the card merely in order to stop payments would be very silly indeed. Much easier, surely, to conform to the terms of your agreement with the Bank, and simply tell the supplier with whom you made the payment commitment to cease billing. If they continue to take payments from you, and you have proof of the discontinuance, the Bank is obliged to help you get your money back, as they do in all cases where your account details are misused.

It's always a good idea to read the instructions. Especially where money is involved.

Hi Pericles,

<Wrong assumption.>

Indeed it was, but why should someone be able to use an expired card when I cannot?

<Cancelling the card merely in order to stop payments would be very silly indeed.>

Certainly a bit more hassle, but I will do it on principle as I object to the idea that I should have to ask the permission of a third party. A bank account is an agreement between the account holder and the bank: The authority to draw funds should be held by the account holder. By cancelling the card I am exercising that authority.

My apologies, I am obviously being too obscure, Fester.

>>why should someone be able to use an expired card when I cannot?<<

You (presumably) were sent a replacement card, with the same account number. It is the account number that determines the relationship between you and the Bank, not a piece of plastic. The supplier was using the card number. The expiry date was noted at the start of the agreement for checking purposes. If you lose the piece of plastic before its expiry date, you will be given a new account number (card number), not a replacement card, in case someone else picks up the card, sees that it hasn't expired, and starts using it.

Is this making some sense now?

>>I object to the idea that I should have to ask the permission of a third party<<

You gave that third party permission in the first place, did you not? You didn't ask your Bank, "is it ok if I pay this supplier some money?" You gave the supplier your authority to take a certain amount from your account on a regular basis. It is up to you to tell that same supplier, "stop".

I really fail to see the problem.

Isn't there an additional step in this process, Pericles/Fester?

"You gave the supplier your authority to take a certain amount from your account on a regular basis."

Fester didn't tell us he had set up a regular payment as a direct debit from his bank account.

"...I had set up a recurring payment authority with a credit card. "

So, presumably the payment is made against his credit account even if that is in turn linked to a bank account?

So wasn't there a stage of 'paying' the list of transactions detailed on the credit account statement?