Working on your behalf
Direct Data Removal
Now that you have registered and are a with Protection Team LTD we will contact the data providers to remove and STOP them from selling your details.
Report Unwanted Calls
Call 0800 5999925
Call Our Customer Care Team on 0800 5999925 Note down the Name & Company Number (where possible) and report to one of our team who will then contact direct on your behalf.
Fill In the form here to log an online complaint our team will quickly contact the company to have your details removed.
We Take Action
We take your privacy very seriously and we will contact data controllers directly on your behalf, lodging a complaint against the company ensuring they do not use or sell your contact information.
When you choose to register with Your Protection Team LTD you will receive a letter of registration with a form for you to fill in with your signature of authority (this must be returned in the prepaid envelope provided) and advice on how to further protect your self from nuisance calls…
What is a live marketing Call?
This is when a company advisor rings you trying to sell you something. They may be cold calling from a company you have had no past dealings with or ever heard of before, trying to sell you a product or service, alternatively they may be from a company you deal with regularly.
What is The Law?
Although companies and organisations are allowed to make live marketing calls they cannot call you if you have registered not to receive calls with the TPS (Telephone Preference Service) or told them you do not wish to receive any more calls from them.
How Can I stop these Calls?
When and organisation makes a live marketing call to you, the calling agent must supply you with a company name if requested, the address of the organisation or a free telephone number. You can use this to notify the organisation that you no longer wish to hear from them and ask that they remove your details. This can be done by telephone, email or writing although we recommend in writing and keep a copy of your correspondence.
The TPS is the free service that allows consumers to record their preference not to receive any live or unsolicited marketing calls.
However, TPS registration does not work if you have previously given a company permission to market to you by phone. This may have been done without realising, for example, some forms especially online include a tick box which allows you to opt out, or in in some cases opt in of direct marketing by that organisation.
By opting-in (or not opting-out) you may inadvertently have agreed to receive marketing calls even though you are registered on the TPS.
If you believe you may have done this, don’t worry. You can withdraw your consent by simply contacting the organisation(s) in question and informing them that you no longer wish to receive calls any longer. Again, we suggest this is in writing.
When you register with the TPS it takes 28 days for the ban to come into effect. If after this time has passed you still receive calls you can complain to the TPS.
Cancelling a Recurring Payment
Recurring Payments vs Direct Debit
There are actually three different types of recurring payment and the levels of protection you get varies from hugely pro-consumer to virtual licence for companies to take your money as they wish.
You set up via your bank. This is an instruction from you to your bank to pay a fixed amount at regular intervals. It’s usually free and you can cancel whenever you like.
You sign a direct debit mandate. This is where you let companies take money for a fixed or variable amount. You’ve a right to contact your bank to cancel at any time you like. If there is an error you are refunded by the bank, rather than the company itself.
You give companies your card details, the key to recurring payments previously known as continuous payment authority. The company will ask for the long number across the centre of your credit/debit card rather than your bank details. If this happens you need to be aware as an entirely different set of rules come into play.
Recurring payments effectively mean you give a company your debit or credit card details and effectively say take money whenever you think I owe you.
While money comes out regularly, each payment is separate transaction, so it can be hard to get anyone to hit the “off-switch” – especially if the company you’re paying doesn’t ball.
If you can’t cancel a credit card, the account remains open for a few months to ensure that there haven’t been payments made on the card which you haven’t processed.
If the recurring payment is still being requested by the company, this will count as a new payment coming in and the card company could keep the account open and ask you to settle it.
It’s far better to firstly contact the company, or if that fails, cancel the payments with the card company, then you know that the issue is fully dealt with.
Those who bank online can usually click for the list of standing orders and Direct Debits; those who bank in a branch just ask the staff. Quite simply any regular payments coming from your account that aren’t listed on your statement are recurring payments.
Avoiding future recurring payments
Step 1 Contact each company and inform them you dispute the payment.
The first step is the easy one, simply contact the company and request it no longer takes the payment. Most legitimate companies will accept this.
Though if you are within your contract and have agreed to pay (e.g. a year’s insurance plan) then it may refuse.
In which case think very carefully about taking further action. It may leave you in breach of contract and owing money.
If this isn’t the case, officially let them know that you dispute the transaction, preferably in writing as well as on the phone. In the best case scenario they may simply give up and cancel the account. If not, then you will need to escalate further.
Step 2. Contact the credit/debit card company. You have the right to ask them to cancel the payments if the retailer hasn’t acted.
Step 3. Complain to the Financial Ombudsman. The last resort is to make a complaint to the completely free Financial Ombudsmen Service, the independent arbiter of financial disputes.
Hopefully just the threat should be enough, if not make a complaint. You could be awarded compensation for your time and hassle so always inform them if you’ve spent serious hours doing this.
Sometimes it’s impossible to pay for a service without a recurring payment; a good example is a subscription to an overseas newspaper. In which case, if the company you are paying is a legitimate one, the risk is lessened. If not avoid like the plague.
Switch to Direct Debit
If the company is a member of the Direct Debit scheme, try switching to this instead. Over the last few years many smaller companies have joined the scheme, so while you initially had no choice things could have changed.
Can You Pay Manually?
Will the company allow you to pay manually each month or even a standing order? It’s a hassle but safer, although there’s less of a risk if you’re only paying pennies anyway, the risk is much less.
Consider using a prepaid debit card which you top up before spending. Crucially that means that you can’t spend more than is on the card at anytime and no credit check is done.
Using these for recurring payments is yet to be tested, and not all will allow it. However, if done could prove to be a much safer way to meet payments to companies you are less sure of.
How We Operate
Your Protection Team LTD takes cold calling very seriously and aims to stop these calls from happening. We will work on your behalf to contact companies in question for the period of your agreement. It will take 28 days for registration to come into effect from the date of registration. If the calls occur after this period please contact our customer services department on 0800 5999925 and our team will take the necessary steps required. If you wish to cancel your registration you must do so within 14 days of registration and this Free.
If you have any queries we are always happy to help Monday to Friday 10.00am until 5.00pm
Your Protection Team LTD Ltd, 2 Post Office Building 2 Cardigan Road Winton Bournemouth BH9 1BJ – 0800 5999925