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/1015858", "AnsweringBody" : [{"_value" : "Department for Environment, Food and Rural Affairs"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1015858/answer", "answerText" : {"_value" : "
The UK has a high degree of food security as shown by the UK Security Assessment. This is built on access to diverse sources of supply, including our excellent domestic production. Consumers will continue to have a wide choice of food after we leave the EU.<\/p>
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While we are making sensible preparations for all eventualities as we leave the EU, there are no plans for the Government to store food.<\/p>
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Defra recently published a series of Technical Notices outlining preparations in the event of leaving the EU without a deal. This information can be found on the GOV.UK website.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4161", "label" : {"_value" : "Biography information for Lord Gardiner of Kimble"} } , "answeringMemberPrinted" : {"_value" : "Lord Gardiner of Kimble"} , "dateOfAnswer" : {"_value" : "2018-12-05", "_datatype" : "dateTime"} , "groupedQuestionUIN" : {"_value" : "HL11856"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2018-12-05T16:39:15.927Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "13"} , "answeringDeptShortName" : {"_value" : "Environment, Food and Rural Affairs"} , "answeringDeptSortName" : {"_value" : "Environment, Food and Rural Affairs"} , "date" : {"_value" : "2018-11-27", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Food: Imports"} , "houseId" : {"_value" : "2"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"} } ], "questionText" : "To ask Her Majesty's Government what advice they have prepared for householders on the availability of food supplies previously imported from the EU in the event of the UK leaving the EU without a deal.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/3792", "label" : {"_value" : "Biography information for Baroness Jones of Whitchurch"} } , "tablingMemberPrinted" : [{"_value" : "Baroness Jones of Whitchurch"} ], "uin" : "HL11855"} ], "itemsPerPage" : 10, "page" : 0, "startIndex" : 1, "totalResults" : 2, "type" : ["http://purl.org/linked-data/api/vocab#ListEndpoint", "http://purl.org/linked-data/api/vocab#Page"]} }