Continuous Payment Authority (“CPA”)

A Continuous Payment Authority (“CPA”) is a payment arrangement set up using your debit/credit card.

CPA is different from a Standing Order, as the timing and amount of payments may vary. CPA also differs from a Direct Debit as CPA   is not covered by a guarantee scheme.

By agreeing to the use of CPA you authorise us to take payment(s) from your bank account using your debit card details.

The payment(s) taken will be for the amount (“Arranged Amount”) and on the date(s) (“Payment Date(s)”) explicitly agreed with you when setting up your current repayment arrangement (“Arrangement”).

If we are unable to collect the Arranged Amount we will contact you to find out why and to agree alternative repayment arrangements. If you are in financial difficulties we will show forbearance and attempt to agree a suitable alternative Arrangement.

If the Payment Date falls on a Saturday, Sunday or Bank Holiday, we will use the CPA to attempt to collect the Arranged Amount on the working day immediately before the Payment Date.

If your circumstances change and you will have insufficient funds in your account on the Payment Date to make the Arranged Payment, or if you are experiencing financial difficulties, please get in touch with us as soon as possible so we can discuss the options available to you.

If our attempt to collect the Arranged Amount fails for any reason, you will not be charged any fee by us or your bank for this failure.

You can tell us at any time that you want to cancel the CPA by:

  • calling us on 0333 136 3349 at any time up to 5pm on the day before we are due to collect the agreed amount
  • emailing us at [] a minimum of 7 days before we are due to collect the agreed amount or
  • writing to us at Midpoint, 5th Floor, Alencon Link, BASINGSTOKE RG21 7PP a minimum of 7 days before we are due to collect the agreed amount.

You can also cancel your CPA by calling your bank or the card issuer.

Please note that if you cancel the CPA, you will still need to repay the balance outstanding on your account and you will need to arrange an alternative method of repayment with us.