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    • Thanks BankFodder for your latest, I'm in complete agreement on the subject of mediation and will be choosing to decline mediation, the longer timeline is not an issue for me, I will happily let the going to court run it's course. I really appreciate the support from the Consumer Action Group. I'll post the email text I'm sending to Evri's small claims in answer to their recent defence response. Regards, J
    • Sec127 (3) repealed, now gone. S. 127(3)-(5) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {15}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
    • We used to recommend that people accept mediation but our advice has changed. The mediation process is unclear. Before you can embark on it you have to agree that you are prepared to enter a compromise – and that means that you agree that you are prepared to give up some of your rights even though you are completely in the right and you are entitled to hundred percent of your money and even though EVRi are simply trying to obstruct you in order to discourage you and also to put others who might want to follow your example off from claiming and even though they have a legitimate basis for reimbursement. Mediation is not transparent. In addition to having to sign up that you are prepared to give up some of your rights, you will also have to agree not to reveal any details of the mediation – including the result of the mediation – so that the whole thing is kept secret. This is not open justice. Mediation has nothing to do with justice. The only way of getting justice is to make sure that this matter goes to trial unless EVRi or the other parcel delivery companies put their hands up and accept the responsibility even if they do it is a gesture of goodwill. Going to trial and winning at trial produces a judgement which we can then add to our small collection to assist other people who are in a similar boat. EVRi had been leading you around by the nose since at least January – and probably last year as well – and their whole purpose is simply to drag it out, to place obstacles in your way, to deter other people, and to make you wish that you'd never started the process and that you are prepared to give up your 300 quid. You shouldn't stand for it. You should take control. EVRi would prefer that you went to mediation and if nothing else that is one excellent reason why you should decline mediation and go to court. If it's good for them it's bad for you. On mediation form, you should sign that you are not prepared to compromise and that you are not prepared to keep the result secret but that you want to share the results with other people in similar circumstances. This means that the mediation won't go ahead. It will take slightly longer and you will have to pay a court fee but you will get that back when you win and you will have much greater satisfaction. Also, once you go the whole process, you will learn even more about bringing a small claim in the County Court so that if this kind of thing happens again you will know what to do and you will go ahead without any hesitation. Finally, if you call EVRi's bluff and refuse mediation and go to trial, there is a chance – maybe not a big chance – but there is a chance that they will agree to pay out your claim before trial simply in order to avoid a judgement. Another judgement against them will simply hurt the position even more and they really don't want this. 300 quid plus your costs is peanuts to them. They don't care about it. They will set it off against tax so the taxpayer will make their contribution. It's all about maintaining their business model of not being liable for anything, and limiting or excluding liability contrary to section 57 and section 72 of the consumer rights act.     And incidentally, there is a myth that if you refuse mediation that somehow it will go against you and the judge will take a dim view and be critical of you. This is precisely a myth. It's not true. It would be highly improper if any judge decided the case against you on anything other than the facts and the law of the case. So don't worry about that. The downside of declining mediation is that your case will take slightly longer. The upside is that if you win you will get all your money and you will have a judgement in your favour which will help others. The chances of you winning in this case are better than 95% and of course you would then receive 100% of your claim plus costs
    • Nice to hear a positive story about a company on this form for a change. Thank you
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Coinspace got £280 out of me - can I get my money back?


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A 'network marketeer' has conned me out of £300, can I get my money back?

 

Cut a long story short, a friend introduced me to this so called "leader" and '"network marketeer"

who claimed she was making 20k a year, she tricked me into sending her £300 through online banking to her bank account.

 

I've realised its a CON, at first I though I would just let it go, but I want to get my money back

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Report it to the police. You may need to file a report through Action Fraud if the local force decline to investigate.

 

If you have an address for this '"network marketeer", pay her a visit and ask for your money to be returned. Failing that, you may need to resort to the small claims court.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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have you actually asked your bank to reverse it?

many banks are well wise toward these pyramid schemes

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The only details I have are her phone number and picture, she claims to be a 'leader' for the UK coinspace team.

 

 

I was dumb enough to do an online bank transfer, this was last October.

 

 

She has set up a watsapp group, where she and others add people to the group,

then get them to sign up and buy a package in coinspace,

 

 

now they claim coinspace is not yet laucnhed because of delays and members of the top people in coinspace have left and taken their money out of their ewallet accounts. But many others can't withraw their money.

 

I only have her phone number and picture, don't know her address

 

He response and the response of her friends in the group is

- nobody forced you to sign up,

you should have done your research before.

She claims to have made over £40k in 12 months, she just said that to get me and others to sign up

 

 

Report it to the police. You may need to file a report through Action Fraud if the local force decline to investigate.

 

If you have an address for this '"network marketeer", pay her a visit and ask for your money to be returned. Failing that, you may need to resort to the small claims court.

 

She asked me to do an online bank transfer to her account,

so I thought the bank only reverse card payments

and could say you made the online payment on your free will.

 

 

I made the payment last Oct 2016 and gave up hope of getting my money back,

but after finding out she and her friends have [problem]med out thousands of others here and abroad,

I want to get my money back off her and help others to get their money back.

 

When I ring the back to ask for the payment reveresal

- will they say why its taken you since Oct 2016 to ring and tell us and what exactly do I tell them.

Payment was done through online banking,

 

have you actually asked your bank to reverse it?

many banks are well wise toward these pyramid schemes

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Whilst I sympathise with your position a search on google for coinspace gives 90% of links on the 1st page say s c a m..

A simple search would of given you this info.

 

 

On another point why is the word sc am censored?

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Go to your bank and explain whats happened. They have procedures in place to deal with things like this and likely will report the receiving bank account to the police.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The only details I have are her phone number and picture, she claims to be a 'leader' for the UK coinspace team.

 

 

I was dumb enough to do an online bank transfer, this was last October.

 

 

She has set up a watsapp group, where she and others add people to the group,

then get them to sign up and buy a package in coinspace,

 

 

now they claim coinspace is not yet laucnhed because of delays and members of the top people in coinspace have left and taken their money out of their ewallet accounts. But many others can't withraw their money.

 

I only have her phone number and picture, don't know her address

 

He response and the response of her friends in the group is

- nobody forced you to sign up,

you should have done your research before.

She claims to have made over £40k in 12 months, she just said that to get me and others to sign up

 

 

 

 

She asked me to do an online bank transfer to her account,

so I thought the bank only reverse card payments

and could say you made the online payment on your free will.

 

 

I made the payment last Oct 2016 and gave up hope of getting my money back,

but after finding out she and her friends have [problem]med out thousands of others here and abroad,

I want to get my money back off her and help others to get their money back.

 

When I ring the back to ask for the payment reveresal

- will they say why its taken you since Oct 2016 to ring and tell us and what exactly do I tell them.

Payment was done through online banking,

 

lillywhites, you seem to be posting on missmermaid's thread?

 

HB

Illegitimi non carborundum

 

 

 

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I've also lost nearly 400 by this very same lady, she approached me through watsapp asking if i wanted to make money, she said coinspace was the new bitcoin, she advised me to buy a package of nearly £400 asking me to do an online bank transfer to her account, which I did, now the main people in coinspace have left, she remains hoping to clear out other people like myself out of money, she is not a nice lady from what I have been told.

 

She has a watsapp group where she adds people that she has talked into signing, she then does a 3 way telephone call with that person to soften them up into making the online bank transfer to her account.

 

 

 

 

lillywhites, you seem to be posting on missmermaid's thread?

 

HB

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you need to start your own thread LL

and i'll move your post here to it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I will ring the bank today, how do I go about explaining what happened and will they ask for a crime reference number? I've not yet reported it to ActionFraud online. I thought I would report it to the bank first see what they say.

 

What is the bank say I made the payment on my own free will and they can't help and its also done by online banking?

 

How would you go about explaining to the bank to get them to do a reversal?

 

 

Go to your bank and explain whats happened. They have procedures in place to deal with things like this and likely will report the receiving bank account to the police.
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By all means try the bank, but I expect they'll say:

a) bank transfer, and

b) that long ago,

 

that they can't assist.

The people doing this know the loopholes. They insist on bank transfer so you can't get a chargeback / reversal, and skirt the edges of the law such that it is very hard to prove fraud, so they rely on people having to seek civil redress as the police are unlikely to get involved.

Of course, with no real details for the person, and then nothing to enforce against even if you could get a judgment, civil action isn't really a viable option.

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I've also lost nearly 400 by this very same lady,

 

How do you know it is the same lady?.

 

Surely it could just be someone using the same method, maybe someone else within the 'pyramid' that gets created ...... or, are you the person who introduced her to missmermaid?.

 

Surely, if you know it is the same lady, and weren't the person who introduced them ; you must actually know her ... in which case shouldn't you be passing her details to missmermaid?

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BazzaS, your right!

 

Spoek to the bank today, they said I made the online bank transfer and because I spoke to the lady/know the lady they can't reverse the payment and that I should ask the lady to refund me. Explained she is refusing to refund me.

 

This lady has conned out thousands of people here and thousands abroad, she needs to be brough to account

 

 

By all means try the bank, but I expect they'll say:

a) bank transfer, and

b) that long ago,

 

that they can't assist.

The people doing this know the loopholes. They insist on bank transfer so you can't get a chargeback / reversal, and skirt the edges of the law such that it is very hard to prove fraud, so they rely on people having to seek civil redress as the police are unlikely to get involved.

Of course, with no real details for the person, and then nothing to enforce against even if you could get a judgment, civil action isn't really a viable option.

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this is a matter for the police. the people are basically acting as unlicenced deposit takers so it will be dealt with by the City of London Police eventually.

Tye reality is that they may well just intend to trouser the money rather thn invest it but the above is easier to prove by the electronic paper trail you have.

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