A Continuous Payment Authority, or CPA, is defined as consent given by a customer for a payment service provider (for example, a customer\u2019s bank) to make one or more payments from a customer\u2019s payment account. They are often established to enable regular payments to be made for goods or services via a payment card - for example, for a magazine subscription - and are distinct from Direct Debits.<\/p>
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The Payment Services Regulations regulate how CPAs are established, and the rights and obligations of payers, payees and payment service providers. In its published guidance on the regulations, the Financial Conduct Authority (FCA) states that consumers have the right to cancel CPAs by contacting their payment service provider at any time before the end of the business day before a payment is due to be made, and to obtain an immediate refund from their payment service provider if any future payments are debited from their account after they have revoked their consent. The customer may raise a complaint with their payment service provider if unhappy with their response. If this does not rectify the issue, the customer is able to complain to the Financial Ombudsman Service.<\/p>
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Furthermore, the Department for Business, Energy and Industrial Strategy is considering what further action to take on subscription contracts to: prevent consumers being charged unexpectedly; to make it easier for consumers to cancel unwanted subscriptions (including free trials and auto-renewals); and to avoid them facing unreasonable charges.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4689", "label" : {"_value" : "Biography information for Lord Agnew of Oulton"} } , "answeringMemberPrinted" : {"_value" : "Lord Agnew of Oulton"} , "dateOfAnswer" : {"_value" : "2021-01-20", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2021-01-20T11:59:23.45Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2021-01-07", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Bank Services"} , "houseId" : {"_value" : "2"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"} } ], "questionText" : "To ask Her Majesty's Government what plans they have to ensure that bank customers can check continuous payment authorisations with ease to help prevent (1) fraud, and (2) unwanted payment.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"} } , "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"} ], "uin" : "HL11855"} , {"_about" : "http://data.parliament.uk/resources/1274564", "AnsweringBody" : [{"_value" : "Department for Business, Energy and Industrial Strategy"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1274564/answer", "answerText" : {"_value" : "
Under the Consumer Rights Act 2015, all terms of written contracts must be fair and transparent. If terms in a consumer contract are assessed by a court as unfair, they will not be binding on the consumer, even if the consumer has \u201caccepted\u201d them.<\/p>
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The Government is working closely with Citizens Advice and the Consumer Protection Partnership, which brings together key partners within the consumer protection framework, to examine ways to make it easier for consumers to cancel unwanted subscriptions and avoid them facing unreasonable charges.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4336", "label" : {"_value" : "Biography information for Lord Callanan"} } , "answeringMemberPrinted" : {"_value" : "Lord Callanan"} , "dateOfAnswer" : {"_value" : "2021-01-21", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2021-01-21T16:07:25.99Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "201"} , "answeringDeptShortName" : {"_value" : "Business, Energy and Industrial Strategy"} , "answeringDeptSortName" : {"_value" : "Business, Energy and Industrial Strategy"} , "date" : {"_value" : "2021-01-07", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Bank Services: Payments"} , "houseId" : {"_value" : "2"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"} } ], "questionText" : "To ask Her Majesty's Government what assessment they have made of the risk to consumers of untransparent terms and conditions for online payments, and in particular, the risk of signing up to continuous payments in error; and what steps they plan to take to address any such risk.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"} } , "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"} ], "uin" : "HL11856"} , {"_about" : "http://data.parliament.uk/resources/1274565", "AnsweringBody" : [{"_value" : "Department for Education"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1274565/answer", "answerText" : {"_value" : "
Under the Withdrawal Agreement negotiated with the EU, the UK will continue to participate fully in the 2014\u201320 Erasmus+ and European Solidarity Corps programmes. This means that the projects successfully bid for during the current programmes will continue to receive funding for the full duration of the project, including those where it runs beyond 2020 and the end of the transition period.<\/p>
The government has decided that it is not in the UK's interests to seek continuing participation in the next Erasmus+ programme. Instead, we are introducing a new international educational exchange scheme which has a genuinely global reach. Under the Turing scheme, UK universities, colleges, and schools will be able to bid for funding to enable their students to travel abroad for study and work placements \u2013 for any of their students, regardless of nationality.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4728", "label" : {"_value" : "Biography information for Lord Parkinson of Whitley Bay"} } , "answeringMemberPrinted" : {"_value" : "Lord Parkinson of Whitley Bay"} , "dateOfAnswer" : {"_value" : "2021-01-21", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2021-01-21T15:02:55.557Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "60"} , "answeringDeptShortName" : {"_value" : "Education"} , "answeringDeptSortName" : {"_value" : "Education"} , "date" : {"_value" : "2021-01-07", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Turing Scheme: EU Nationals"} , "houseId" : {"_value" : "2"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"} } ], "questionText" : "To ask Her Majesty's Government what plans they have to ensure that those people from EU member states due to participate in the Eramus+ scheme in the UK have access to the Turing scheme.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"} } , "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"} ], "uin" : "HL11857"} ], "itemsPerPage" : 10, "page" : 0, "startIndex" : 1, "totalResults" : 3, "type" : ["http://purl.org/linked-data/api/vocab#ListEndpoint", "http://purl.org/linked-data/api/vocab#Page"]} }