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You can refer to the financial ombudsman it's free and will cause the Halifax some grief. I would mention this in your complaint that you will push it further for an independent review https://www.moneysavingexpert.com/reclaim/fight-back-fos/

Doesn't sound correct to me. The account was being paid against a card number and not DD. Therefore the insurance should of been canned when they tried to use the old card details. I thought the whole point of if your debit card is compromised and the bank issue you with a new one then all transactions against those card details are nul and void. It's then up to you to reinstate any recurring payments with the new card details. Sound bollox the bank can just pick and choose who they reinstate without the customers knowledge. If you are dealing with Halifax customer care, I would just challenge the transactions in your online Halifax app and push it further raising a customer complaint. So the Halifax have the rights to re-instate a recurring £50 transaction to the Philipines for some shit you never agreed to as your card was scammed! You get my drift..

You won't get a refund or a charge back because you failed to keep on top of stuff 😊 Put it down to experience and kick the dog mate.

We all do it, we sign up for new stuff without reading the small print because we assume we know it but some of these companies have 1001 ways to seperate you from your cash so we now have to be more and more wary of what contracts and payment terms we are entering into. Many of the contracts now have automatic renewal as standard which is another one to lock you in as unless you know expiry dates on insurance and stuff by the time you realise you should of got some quotes your already renewed. The only safe way is to assume nothing and read before signing, boring and tedious but sadly thats the only way to stay safe.

Judicious use of wording IMO. Nothing there says anything other than DD. Have to chalk this one up like you said, I suppose. But def shady way to do business.

I spoke with the Halifax twice and Urban Jungle. They both said the same, they said that when I signed up their terms state. Thing is, I thought I'd agreed to a direct debit like every insurance I've ever owned, a set period. Halifax said Spotify is the same, if you lose your card and you get a new card with new 16 digit it will automatically swap to the new card as Visa have an agreement with Spotify to carry the payments on. I don't own Spotify so if anyone does please confirm whether this is true or not. Because,like I said if this happens with Voxi SIM only that's it your switched off Urban jungle carried on taking payments even though that card had been dead for ages. Again sorry for repeating myself but, how if they don't have the new 3 digit security number and they don't have my account sort code?? Halifax said some subscriptions can do this. I've lost the money I know that I'm just trying to suss this out for future reference and whether it's true or not.

Contact Halifax and see if you can register a 'chargeback' if paid on debit card. I'm sure they'll either refund you or tell you exactly why Urban could take money using a dead card's details...

I was thinking that I'm just glad I spotted it now. That card thing for me is wrong. Like I said,my daughter's Voxi stopped the other month. She lost her card, she ordered a new one and forgot to update her payment details but when I lost my card it simply carried over to the new card without knowing it no questions asked. This must have been in the micro terms So what's the point of the 3 pin number ?. Ok never entered into direct debit so the only details they had was my 16 digit number Wrong for me

sadly I dont think you got a hope in hells chance of a refund although you could try. They will just direct you to their agreement which I assume clearly states what you were entering into and agreed to by signing up and paying even though its not what you thought it was. They will also argue that as you didn't cancel they have continued to cover you on insurance for that period. Sadly maybe be cut your losses and lessons learned rather than spend loads of time batting against a brick wall and getting more and more frustrated going nowhere.

Maybe the subscription was a DD which uses your sort code and account number which stay the same even when you change cards. Try to find Urban jungle's customer services contact details, failing that ring as if you are buying a new policy....That generally gets you answered quickly and you might get more useful contact details when talking to them. Other than that im sure there is an ombudsman - but for me it would depend on the level of my loss before going that far due to my can't be arsed attitude lol

So the other year I took out insurance with Urban Jungle through a search engine then let it renew the year after because it was pennies different. Now I don't normally keep tabs on the banking ins n outs Mrs Ringers normally does that. So March it's due up (well thought it was) and I searches and found a similar building contents £8 a month cheaper so I thought cancel go with the new one. I tried logging in to Urban Jungle says forgot password, rest password,no reset lands. I then tries ringing, no one answering, so with only a day to go I cancels via an email leaving all my details urban jungle account and clearly states I do not want to renew. I then go on buys new insurance. 3 months down the line we both missed it (I know, I know) Urban Jungle had took 3 payments. We looks in direct debit section in our Halifax, no were to be seen. And this is were the nest of rats appeared. So Urban Jungle isn't a direct Debit it's a subscription, wtf !!. So then looks all their emails are in my junk. But, In Feb 2025 I received an email saying We failed to take £**.** from your account ending in 7567 (for no apparent reason) The day after ?, Thank you we took payment from your account. But the thing is my card ending 7567 ?,I lost that last April 2024 (the bank told me) so for the past 13-14 months I've used a new issue card ending 7444 but Urban Jungle still managed to carry on taking for 12 months on the 7567 even though I'd cancelled that card nearly a year ago. If I lose my card and Voxi go to take a payment for my SIM only monthly and I've not updated my Voxi card details it fails, no phone. But in the case of Urban Jungle they have an agreement with visa to update your card details with your new card details when lost. So 1) little did I know the fucker was a monthly subscription 2) Their terms say you can't cancel via email you must log in 3) they took 3 months and for 3 months I've been double insured. A few years back we had similar but we were refunded simply because we failed to cancel the old policy. But with this I've heard we won't get a refund simply because one is direct debit 1 is subscription I've now cancelled urban jungle but to make contact with then is a nightmare

Isn't that the point? You only wanted and expected what you paid for. Just tip them off with your version of events and let them decide if they are sending in a secret boozer to run the same scenario, or they just check what they are selling is legit and not watered down anti freeze 🤔

I see your point but he never refused to top it up and it would be nigh impossible for me to prove anything dodgy. I just know it was either a short measure or in the first glass he used piss arse cheap n nasty gin, hence he went round the other side when I first ordered. Everything's costing a fortune these days and all's we expect is what we pay for. Couple this with shit expensive takeaway food it's no wonder pubs and takeaways are shutting down all the time. I got a pint of Estrella and omg it was like dog slash and 9 times out of 10 I can drink most lagers. Wtf is going on?, why is the quality going down while the prices just keep going up ?. Even Mrs Ringers said it's like everyone is trying to pull the wool

Report them to trading standards Trading Standards: If the bar refuses a top-up or you are uncomfortable, report the issue to your local Trading Standards office. They are responsible for enforcing weights and measures regulations.

So me and Mrs Ringers and another couple went out Sunday for a few. Both women were on pink gin & lemonade so my round, orders drinks in a v.busy pub, the guy shifts to the side part of the bar out of view, gets the drinks, pays, sits down, that's it. Both women says "Can you taste gin?" they couldn't taste it. Now pink gin "should" have a very slight pinkish colour in the glass this was near perfect clear. I tasted it to me it was a like lemonade with a very very slight taste of gin. These were about £12-£13 for the pair. So I goes back bar with them to the head bar guy. Before I could explain it he just took both glasses out my hand and put a shot of gin in both as if he knew what I was gonna say. but, When I took these drinks back to the bar we'd had sat round the corner of the bar were the first guy originally went to pour the drinks out of my view. He then went round to the front of the bar were I bought them from and put 2 shots in from there. So why didn't he pour them from the front of the bar first time round ??. Fookin strange It was like they had a shit gin or short measure out of view, honestly. After he added a shot it was fine. Could it be they had: Shit gin round the back Good gin round the front ? I remember in the 80s a bar that use to stand glasses upside down on a tray with kitchen roll soaked in JD gin etc so when they shot the mixer in you get a hit off the side of the glass. Now I'm definitely not saying that was the case but something was not right.

C'mon Goldie you are from Wigan! Some of the best pies in the world can be bought from your area. Can't believe you don't have a few lying around when you get the munchies. For me a few cheese and ham toasties fill the gap, with a bag of crisps🤣 less chance of setting fire to the place. Yep a few pizzas or garlic bread from the freezer will also feed the munchies. Each to their own but as you say, take away food is very expensive piss poor quality and smaller portions these days. You also run the risk of a Defcon 5 sprint to the toilet the next day 💩

I'd also like to point out out though, I'm not just ranting at the bad food as it happens to all of us dished up dog shit food it's the cost. The price of takeaway through the rising cost for owners makes it super expensive even for the basic food, just a joke. I think this is why corners are been cut. In our local rag they regular have hit list for worse takeaway hygiene ratings done by Gov. Some on that list are so called some of the best takeaways in and around Wigan. I just couldn't believe some were given a 1 out of 10. Not so long back about 2 weeks ago we ordered a Indian we had different meals. My wife was seriously ill for 3 days she never got out of bed, I was ok but like I said she had different from me. I can't think of anytime Ive been ill while making my own cross contamination from knifes and chopping boards been Uno No1. I cannot imagine alot of takeaways giving a flying fook when cutting up salad after using it just before for raw chicken. Na, I'm done, I don't even trust restaurants, I've been ill in the past, wife's been ill, shit warm ups and the price enoughs enough, time to cook my own from now on even if it's a case of lobbing a pizza in the oven with a few chips when we get pissed

Kebab Sunday is not northern thing just pissed and the munchies took over

I'm always pretty careful about the times I order food from the local chippy. To be fare it's a very good one and has won awards but I have had some pretty crap food when I've ordered close to his closing time. Our's closes at nine so If we are going to order it would be between 7.00 and 7.45 and it's pretty much guaranteed to be freshly cooked. Kebab on a Sunday though? It must be a northern thing 🤣 Maybe that was why it wasn't up to par, just not many people ordering kebabs on a Sunday so not worth keeping the grill on and cutting it fresh. Annoying though, it just costs too much now for takeaway food, when you were paying half that price which wasn't all that long ago throwing food away wasn't great but at the prices they charge it's now an issue. Like you I tend to order from places that have their own drivers. I don't mind paying for delivery or tipping. I've used Uber eats a few times and all I get is drivers that speak hardly any English and the last time the cheeky twat couldn't even be bothered to walk down the drive and called me tell me he was there, and I had to walk down the drive and get the food from him. Then he had the cheek to say the word tip as I was walking away, I was so pissed off I couldn't be bothered to tell him to fuck himself, he'd have been unlikely to understand if I did. So I'm done with uber eats and indirectly sponsoring potential terrorists. My new favourite takeaway is the toby carvery, I didn't even realise you could get a takeaway carvery and it's cheap as well. I have to collect that one though but I don't mind that. I've used them half a dozen times and the food as been bang on and it also stops me making a pig of myself as I would if I actually went there and sat indoors.

The takeaway in question we've used the same one for years but I'm not sure if it's changed hands or their simply cutting corners warming up but that's the last time. Honestly, that's as bad as it gets for shite food. And the thing is we flipped a coin Chinese or kebab. Now the Chinese is in the town centre and I challenge anyone to get a better Chinese for the money plus they use their own driver. In future it's this and make my own using tongmaster off Amazon it's brilliant

God awful food to be eating.......Anyway whenever we order we....lol. What I actually have to say is living in a student city we are pretty lucky in that there is an abundance of choice. We have now narrowed it down to a regular takeaway for each different type EG Fav Indian, Fav Kebab, Fav Chinese etc. We find a good one and stick with them unless there is issues. But like you we now boycott the apps as most of the business owners that we have spoken to have said the apps charge more on top of what they actually charge instore as it were. Some of the local vendors have simply stopped using just eat and the rest of them due to this and due to the fact that they also have to pay just eat and the likes a rental fee for equipment and a % of sales they make.....A place like where i am really doesn't need those apps - most now have their own apps to complement their old-fashioned phone number and they have went back to using their own delivery drivers. You are also right about the price - it makes me feel old lol - I can remember yawning at my parents telling me they could go out get a good drink and something to eat for £1 or so when they were young lol - I feel like them now. But the prices do seem to have exploded in the last few years especially since covid.. I do try to understand like, Minimum wage (Which i support), Gas, Electric, Rent, Rates, Licences, Wages, Tax, and NI - it soon adds up if you are running a proper legit business. But like you we simply can't have a takeaway meal for 2 for under £20 now no matter what we are having. The result is we have them much less than we used to - probably once a month compared to once a week. We both now like to cook our own take aways lol. We are way down the rabbit hole of buying stuff from the local Thai shop/mini market and making "interesting" stuff. So cheap buying lots of ingredients from there too and just getting the meats from the farm/butchers etc - We started using the farm shop when covid hit and people were boxing for bog roll - We basically sacked the supermarkets off apart from once a month or so for the stuff we can't get elsewhere......We also never run out of bog roll or eggs during the covid years lol. I have to say it has worked well for us though. Don't fin that we spend any more than if we had bought stuff from the supermarket and the stuff we buy is actually better, You can taste the difference. I/we sound like posh/middle class fuckers but we really aren't if it cost loads more we wouldn't be doing it - I think the savings the supermarkets give you they bloody take off you in impulse buys and 60p carrier bags and the like lol.

Sunday gone the main road was closed near me so me & Mrs Ringers got in the garden, few beers cider till teatime. We couldn't be arsed cooking so we order a chicken, & chicken and doner from the local. Now before folk start off "You eating that shit !!" yes and have done for donkeys so we orders, hour later it comes Fook me ! Fook me in about last night's warm ups, chicken was dryer than Gandhi's flip flop and rock hard. Kebab meat the same, dry, hard, chips like 3" masonry nails and salad going brown. We rang them up had a rant not much joy bar an apology and discount next time to which I replied there won't be a next time. Now bare in mind we don't order every week I'd say once twice a month if we're lucky but this is the second one we've had in the past few months that's awful, the first one we just thought was a one off. Anyway after trying to pick at it it went in the bin bar the free garlic bread which was the only thing edible. But honestly £25 for that ?? joke. It was the missus's idea tbh as I said I'd cook something up but she insisted on ordering in and like I said before, after a few beers you just become lazy n think, Oh fook it. One more thing, I won't use Uber eats or any more these apps so the ones we use use their own drivers. But the standard of takeaway food has plummeted while the cost has shot through the roof but to be served up warm ups on a Sunday that was it for me, I'll make a butty next time before I'll pay for shite like that.

We have but honestly it's a fookin mare trying to get served even when it's quite then if you order via the app your sat there for ever waiting. I always make a B line for a spoons when out of town but ours is fookin sh*te.

Weatherspoons still the best value if you got one near, sadly we haven't got one for miles

I walked out of a pub the other week after finding they were trying to charge 8 quid for a pint. I then got told they were charging 5 quid for a half pint glass of rola cola.