How long does a credit card continuous authority keep going after a card is cancelled due to fraud

[#1]

This isn't a Plusnet related problem but they can answer the question

I just had my auto renewal of my house insurance come through and I thought that there was a good chance that the card had expired so I phoned up to get it changed but hit a snag - checking the last 4 numbers they didn't match my cards so I went away to check.

Found that they matched a card which was replaced with a different number over 2 years ago because of possible fraud

Hence my question

[#2]

IIRC I heard a story on the 'One Show' regarding this in that they never do stop hence the use of 'Continuous Authority'. The story was part of a scam where people were buying products, at a 9.99 value but were getting billed in perpetuity for products they did not want in values of 10 times the original on a monthly basis, so to be 100% sure I'd be on the phone to whoever issues your card.

[#3]

So much for posting in Accounts in the hope that Plusnet could help - I don't know why I bothered

[#4]

Interesting, I never knew that.

[#5]

@Oldjim - I found this, you might find it useful.

http://www.moneysavingexpert.com/banking/recurring-payments

[#6]

yes indeed - specially this

I've found out the hard way about the perils of a recurring payment. Yesterday I received a credit card bill, with a payment taken from it, for a credit card I had cancelled FOUR years ago!

[#7]

One reason I am careful about who I allow to recur on my cc. In fact I don't think I have ANY recurring charges, just DD's.
Insurance is one area that I ALWAYS refuse to let them do it, I normally change insurers every year to get the best deal.

[#8]

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@Oldjim wrote:

So much for posting in Accounts in the hope that Plusnet could help - I don't know why I bothered

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While I don't have an answer for you, I'm happy to ask someone over in our billing team next week to see if they can give me any insight on this.

[#9]

As the Martin Lewis link points out, you can now tell the bank to cancel a CCA if the company concerned is failing to do so.

[#10]

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@HairyMcbiker wrote:
I normally change insurers every year to get the best deal.

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Be careful there though especially with motoring insurance. I've stuck with Direct Line and although it's a bit of a fight every year to keep my premiums reasonable and the fact that they're a pain to deal with at times, they do offer more perks than many others.

Driving other peoples cars on 3rd party - not all insurers give you this

Driving someone elses car fully comp as your main car - not all insurers will let you do this - you have to own it yourself

Temporary cover - not all will do this either - direct line let you add another car to the policy for up to 28 days

Those are just three things i can think of from the top of my head.. but there are more and it's a reason i chose not to bother prowling about for other companies.

I'm just as picky with my mobile phone too