Money Box Unauthorised Recurring Card Payments and Overpaying Mortgages
Nov 15, 2025
Dan Whitworth, a BBC reporter, leads the discussion on the alarming rise of unauthorised recurring card payments that catch consumers off guard. Catherine Hart from the Chartered Trading Standards Institute explains why this practice is deemed outrageous and how to reclaim lost funds. Trusha Hirani, a solicitor, emphasizes the critical need for professionally drafted wills and the risks of dying intestate. Craig Calder from TSB reveals that two-thirds of first-time buyers are overpaying their mortgages and shares strategies to balance overpayments with budgeting.
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Act Quickly To Stop Recurring Charges
- If you see an unfamiliar card payment, contact your bank immediately to stop future payments and request refunds.
- Also complain to the company involved and demand previous payments be returned.
Confusion Hides Ongoing Charges
- Trading Standards highlights widespread consumer confusion about how recurring card payments are authorised.
- Banks often do not make recurring card payments easy to identify, which hinders consumer oversight.
Cancel And Report Suspected Scams
- Cancel unauthorised subscriptions with your bank to stop future charges and report the issue to Trading Standards or law enforcement.
- Speak up publicly so authorities and consumer bodies can act and advise others.