Terms and Conditions

CLEAR CASTLE LIMITED (t/a Waters & Gate) incorporated and registered in England and Wales with company number 07929590 whose registered office is at The Town Mission, Lower Rudyerd Street, North Shields, England NE29 6NG (“Waters & Gate”);

Introduction

Waters & Gate is fully committed to open and clear communication with customers and clients regarding the use, management and compliance of card payments including instances of continuous payment authority.

A card payment is where we are provided authorisation provided by the customer that permits Waters & Gate to take payments from them by either debit or credit card.

A recurring credit card payment, often referred to as a Continuous Payment Authority (CPA), is an authorisation provided by the customer that permits Waters & Gate to take payments from them by either debit or credit card. These payments will remain in force until the customer cancels the arrangement. Continuous Payment Authorities can be set up online, in person or over the phone.
To give Waters & Gate a Continuous Payment Authority on a card account, the customer provides their debit or credit card details (rather than their bank details, which would normally be used to set up a Direct Debit).

Single Card Payment

If you feel that your card payment has been taken incorrectly by Waters & Gate. For example where you believe the amount of the payment is not the amount you agreed or perhaps you feel it was not made clear what the card payment was for, please contact us immediately using our contact details where a member of our team will be on hand to discuss your account and the payment.

If you are still unable to resolve the matter and feel there is still an issue, you can access our complaint procedure which can be found on our front page under information.

Continuous Payment Authority

A recurring credit card payment, often referred to as a Continuous Payment Authority (CPA), is an authorisation provided by the customer that permits Waters & Gate to take payments from them by either debit or credit card. These payments will remain in force until the customer cancels the arrangement.

Continuous Payment Authorities can be set up online, in person or over the phone. To give Waters & Gate a Continuous Payment Authority on a card account, the customer provides their debit or credit card details (rather than their bank details, which would normally be used to set up a Direct Debit).

Policy

Waters & Gate offers a range of different payment options. Where customers agree, we will set up Continuous Payment Authority using their debit or credit card. This CPA Continuous Payment Authority) will be fully explained at the point of setting up.

The information provided will include:

The total amount of the debt

The frequency of the payment to be taken (weekly, 4 weekly, monthly, etc)

The date of the first payment

The payment plan amount to be taken

The number of instalments

This policy and your rights to cancel will be sent by either email, post or SMS Link

Where the continuous payment authority has been set up on our online payment portal this policy and customers rights to cancel will be available to view once the payment plan has been set up.

How to cancel a continuous payment authority

Customers have a right to cancel a CPA by contacting Waters & Gate taking the payment an and requesting us to stop.

However, customers do have the right to cancel directly with your card issuer. Once a customer has done this, Waters & Gate will stop payments immediately.

REMEMBER: IT IS YOUR RIGHT TO CANCEL CONTINUOUS PAYMENT AUTHORITIES DIRECTLY WITH YOUR CARD ISSUER

However, it is recommended you inform both Waters & Gate and your card issuer when cancelling a continuous payment authority.

Customers are to keep in mind that they will still be responsible for paying any money that you owe.

What to do if payments are not cancelled

Any related payments taken after you ask for a continuous payment authority to be stopped are considered to be unauthorised transactions. Card issuers must refund these payments and any related charges immediately.

If payments continue, contact your card issuer to arrange a refund. If it fails to do so, you should make a complaint to the card issuer and, then, if you are not satisfied with its response, you have the right to take the complaint to the Financial Ombudsman Service.