ok thanks DD i havent been to the CAB yet ive had no time because of lectures im working on that. but id like a strong CAGGER to come with me to the police.

wow you would do that DD? thats such a nice thing of you to do! and yeah i study and live in leeds, so you think i would have to go to court then?

k i guess so i was thinking about bringing the case back up again if i could but im going to the CAB first. Thanks

yeah my brothers and sisters are all in thier 30's and my eldest brother went to the police station with me but they didnt ask him anything, he was just sat there with me for comfort, the second time i went no one was allowed to come with me. the student friend has now graduated, i failed my year because of this crap and now im in my third year. she doesnt have contact with them because she never went through with it but she still speaks to me. im not a member of the student union but i will ask them for advice,yes. and im going to go to the CAB thats a good idea thankyou people. Do you guys think i was in the wrong? and why do you think the police wanted to arrest me if they did wont the courts think what they think anyway?

yeah i am wiser now i dont trust hardly anyone... After the police said to me, if i went to court it would be under arrest, i said to them i knew you wouldnt be on my side what was the point in me coming to you for help, and the lady on the phone said its not about sides its just what has to be done in this situation... so i said forget it i want to drop the case and she goes ok thats up to you... that was that! and they gave me a crime refrence number at the start when i told them. So what can i do now??

ok well one of friends from uni asked me if i wanted to make some money? and this was when i was in my second year, so i replied yeah why not? i asked her how she told me that she knew some guy a friend of hers that would explain it all to me. She gave him my number and he called me... he sounded pleasent very friendly and genuine. He then told me that he could help me because i was a student to get some extra cash for myself, basically he told me that he would deposit money into my account a large amount and i would go withdraw it for him and because i helped him i would get some money for that too. it didnt sound right to me so i refused even though he tried convincing me for ages, saying that the money was all his it was his savings but he didnt have a bank account because of his bad credit history... i kind of believe him but still didnt want to at the time. so i left it and we just started chatting as mates. over the year we became friends also i thought, just you know mates that ask how you are or what you have been up to from timeto time. At this point i started to become quite skint at times and wish i had just some extra cash to help me out with rent and stuff and bills... i mentioned it him one day and he offered that deal to me what he had mentioned ages back.. this time he told me about his other friend that could help me too. he was a much older guy and he told me that he would put some of his money into your account and you can take it out for me... so because i was desperate i didnt think twice, thinking that this was all ok and it was thier own money all i was doing was withdrawing it for them. So i was introduced to the older guy and he was so friendly, seemed really nice, they even met one of my freinds with me and took us out for food. I didnt think anything of it i mean would anyone if they were in that situation? so day one came they took me to a bank to take thier money out, they had deposited 5 grand into my barclays account. I went thier and asked them for the money, keep in mind ive only ever had a 200 hundred pound over draft on this account before... the girl at the counter asked me if it was my student loan she asked for my id... i said to her no its just me helping a mate out, and she didnt even question that?? but anyway i took it to them gave them the envelope and im not sure if the next 5 thousand was done the next day or on the same day.. so anyway the next 5000 was due i had to take this out at another branch the guys told me they wouldnt let me withdraw it from the same branch so i believed them, they also told me to call the bank and check my balance but wen i called ther was some kind of block put on my account i asked them wat it meant and they said its ok you just have to say its you that took your money out and not anyone else... so i authorised it with the bank and they said the fraud team will call me back to give you the thumbs up in a few hours or so... so basically everything was kool.. so i took that out for them but i cant remember what exactly happened because they have messed with two accounts of mine and it was long ago too.. but anyway they got the money and said theyll be in touch, i didnt get anything and thought this was a bit wierd but thought hey its okay theyll call me tomorrow... apparently they were supposed to put more into my barclays but couldnt for some reason?? so they said theyll do some on my natwest student account... they told me that it would take a few week to get the money in the account because one of them hadd to get the money from somewhere far? whilst i was waiting forthem to tell me what was happeneing i got a letter from barclays sayin my account was over drawn by 5 grand... i felt sick! looking at that thinking how can that be?? i saw my balance i checked it on a screen before i withdrew the cash, and then i got the cash in hand so why the hell is it overdrawn???? i called them and they said oh dont worry its just the bank hasnt updated the system and it will do soon.. they told me to wait.. so i did i got more letters.. and this is when i started gettin suspicious and started arguing with the guys they told me that they were going to sort it out and not to worry.. then it was time to do the natwest one. i didnt want to do this because of what happened to my barclays but they started getting aggressive and said that they knew everything about me, they knew where i lived, all my detailes and they told me that they usually dont play games and dont like being played around.. so i was crapping myself thinking my familys going to find out!!! plus i dont want guys knocking on my parents door my parents are old n dont need the stress... the guys told me ther money was in my account and i had to take it out. so the day came for me to withdraw from natwest... now the older guy was in charge of this day n i spent the day with him going to post offices and withdrawing 999 or so euros out in notes. this had to be done every half hour. he used to get out of the car make a phone call and tell mne to check my balance after every half hour to see if it had gone up to a grand in pounds. i was so confused i didnt know what was going on and i was scared to run away so i just went ahead with it. thinking it will all be over theyll get thier cash and ill just leave it. i had got so many letters from barclays at this point too that i didnt even want anything i just wanted it to be over... so the day had passd and he got 5 grand out of my natwest all worth euros... before he went he took me to selfridges and made me sign and open a store card with them and an allsaints mastercard. he told me that i would get confirmation and cards in post to my home address... he went with me and said to me just act like your a good mate of mine and dont thin about being stupid... i didnt even say anything to him and he said that to me? so i just went along with it... well eventually the days passed and yes u can guess it i got letters from natwest saying the same things as barclays.. at this point i was in deep i hadnt payed my rent for 3 months in leeds, i hadnt payed the bills, my flatmate hated me even though she was supposed to be my best mate, i used to sit in my room all day not knwing wat to do or where to go... these guys were controlling my life, i was getting in debt with every single direct debit company i had in my account and just everything was taken away fro me just like that... while all this was happening to me i did used to contact the guys saying to them youve ruined my life sort my accounts are and the older one swore at me down the phone saying im a thick B**** for not listening to him... basically he told me to change my address with the banks and give them different details but i didnt do that cuz that would make things worse for me and get me into more hassle... they used to promise me that they would sort it all out for me and then after a while they would threaten me or swear at me aggressivley ... so i finally got the post... and i lied to them i told them i hadnt got anything... they let it go for a while, but then payed me a visit to ring the comapnys and ask y i didnt get them in the post. i felt like an idiot speaking on the phone infront of them because the people in the call centre said we already sent you out cards and forms to be sent back to us?? then they said they may have got lost in post so they sent me them again. this time i couldnt get away. the guys told em if i was lieng they would send people down to my house and would get the cards off them whatever it took, and regardless who opened the door to them. One of them told me they carried guns with them wen they went out and no one messed with them. so they made sure thati would give them the store cards, they also told me that they had put thier own money onto these cards. i didnt understand this bit? can you put your own money onto a store card? one of them was a mastercard from all saints... so basically days went buy i got the cards and they took me to selfridges told em to withdraw 300 out in vouchers. i did that and they took it off me... a few weeks later the older guy took me to a currys and he bout a surround sstem worth 1200 i think? and also a playstation. and then that was it.? ... i got letters from these comapnies after weeks saying i was overdue on my payments and now i have gone into the red with them too. i contacted the guys over and over and over you dont understand how many times, but again it was just abuse from them. I got to a point where i thought i couldnt deal with it anymore and thought to myself i want it all to go away right now.. that wasnt the answer though... it was nearing the time for me to move outta my flat and my flat mate told my cuzin i hadnt payed anything. my cuzin is very close to me and she pryed it out of me about what was going on with me. i told her everything and she convinced me to tell my borther. i did that and he couldnt belive it he said he had to tell all the rest of my brothers and sisters but not my parents. so we all had a family meeting, that just stressed me out even more because my family were so angry, they told me i had been scammed really badly, the guys were thugs and con artists and they paray on young girls students especially to getthier cash... thy suggested i go to the police and the banks.. i did the banks didnt know what on earth i was on about when i explained it to them and the police investigated... they said they found out who one of the guys were... when they were interrogating me in the video room they made me feel small and stupid for not realizing i was being scammed, and they made it sound like my fault. yes ok fine it was my fault for not opening my eyes but what am i supposed to do now?? so there we have it thats the truth, by the waythe guys have changed thier numbers one of them had me on facebook and blocked n deleted me. OH Yeah i saw the older one in the airport recently!!!! i was with my cuzin and friend they told me to confront him.. i was so angry and had the courage to do so bcuz lots of people were around.. i ran upto him and told him i wanted him to sort my mess out now and he wasnt going anywhere unless he had done so.. you guys should have seen him face his mouth went dry and he could hardly speak.. i was really making a scene though and he was pushing me back but he realized people were looking so couldnt do anything... in the end he said hell call me bcuz he cant get that money strait away n he sed hell arrange to meet me at 1 pm in town n i can bring a friend or my brother... i agreed after about 2 hours of arguing.. yeah and you can guess the rest.. i never heard from him again... so people im basically stuck, i dont think i will ever get out of this unless i pay off 13 grand or so off myself which is not possible for me ever unless i win the lottery. You can think im making it up whoever said i was, but why on earth would i waste my time for like 3 hours making a story up on here? for your pleasure? i think not. but for all the people who want to help and listen i thank you so much. any kind of help is appreciated. Ash .

To everyone that posted here... i have just read you replies and yes it has been ages since i have checked this website only because ive been so stressd i really dont know how to handle this i have never been an organised person so everything feels muddled, im getting letters now from banks saying theyr taking me to court, and theyr posting them to my student halls, i have my third year to concentrate on too, so i dont know what im going to do... i will tell you all my full story, and now ive been through this i know that i was stupid, naive, didnt think, and just a bimbo. But please believe me i really did not know what was going on untill letters came through my door. So if anyone is out there im willing to tell you all straight up... by the way i did go to the police but they didnt help me much, they really interogated me and it just upset me ! i was there for help and they were making it out like i had done this on purpose, they also called me and said we cant not tell the guys it came from you, so therefore i wasnt really protected from them, plus the cops said if i wanted to take them to court they would take me under arrest too? i was so confused i didnt know what the hek they had just told me, arrested for what? for telling them im a victim of fraud? i wouldnt go to them if i knew i had done something wrong. so i had to drop the case they said fine, and now im back to square one with more debt letters, calls, and threats. ? Im sorry everyone for not giving more info i will do if anyones interested? x

they told me that i gain some money from this and convinced me that everything was all very legal, they actually befriended me too so i was even more convinced, and me being a stupid naive student went along with it and didnt see that these guys were taking me for a fool and cleaning me out for what i havent even got.

No it was a Barclays just a different branch from the previous one. A i dnd i've even spoke to the fraud team in the bank, they responded go to the police. Sorry i'm not entirely comfortable posting the crime number here. dont worry about the guy who keeps saying troll, he just craves attention. Anyway as it seems impossible to believe I'll just carry on it's ok.

Hello I'm a little confused. Which part can't you believe? I didnt come on the forum for people to start saying its flannel and impossible and unbelievable!!! Sorry if it sounds so incredible and flannel and unbelievable but it has happened and I am in the very middle of it suffering ALL of it has happened! I just needed some advice and a little help but it seems thats not going to happen. The bank is Barclays and if you ever get into a situation like this you will see they don't give two hoots about your position. I don't know how they did or how the bank gave me the money they did and NO I didnt have a 5k overdraft imit as I've explained earlier I had £200 I have £500 in my account when I withdrew the money. I don't know about cheques I have not seen any I dont know about cash being deposited because they told me they had done it SO please please can you stop assuming that it is not true and some of it has not happened because all of it has exactly as I have told you. I just need help and if it's nt possible then I'll just go and do a DRO and see if I can carry on with my degree. Thank you everybody who has been supportive and helpful sorry to sound so horrible but I'm feeling lke its the end everything for me before anything has started. The police can't do anything! They just said I will go to court as an offender and be used as a witness against these people and in the end they will probably get away with it as it is my word against theirs and I will end up having to pay everything back anyway, so why should I have to go through all that just to be where I am now? Never mind sorry for posting on your forum thank you anyway

I gave the money to the girl and guys that were with her

I cancelled them all now, they had all my details because of that girl. I'm so stupid.

Hi This is what happened: Over the year this one girl made friends with and I really thought she was a very good friend we did a lot togethor, in my second year she said she had started a charity and needed to deposit money temporarily (ok I am a bimbo and thought nothing of it, by the way I am a girl) I thought nothing of it and said OK. Then she brought some guys in who she told me were working with her and they were the leaders. To break it down: They deposited the 5K then told me to go and withdraw it, so I did. Sameday a little later they phoned me and said they had deposited another 5K and I had to go and withdraw it, i now know how stupid I was and naive I thought I was helping a friend, anyway I went to the bank closest to me a different branch and withdrew it. Now it turned out they had not deposited the second amount but because the bank does not update its system until the following day the money still shows in your account I find it impossible to believe!!!but I know now because the police told me when I reported it. The story is worse because they have credit cards on my name because they threatened me when I refused to co operate and I was so scared I did what they told me. I can't explain the dread I feel and how distraught I am.

I'm really desperate, these people befriended me through my 1st year and I thought they were my friends but they were just setting me up. I told the police everything and they said they even know who these people are but I would get arrested and they would get away with it, i could only sit there and cry when they did the interview becuase there was no hard evidence. I can't tell my parents they wont be able to handle it. My loan is to get me through the last year and pay my rent but the bank never gave me anything they just happily gave me 5k even though I don't have any facility arranged wih them. Is my only option to do the DRO thing? I tried to get a job during the summer but there are non anywhere what is going to happen? i'm really messed up. Thanks for listening

Hi I just don't know where to start. I am student in my 3rd year of my degree well about to begin but can't understand what to do. I'll make it short. Last year I was duped into by some con artists to take money out my barclays account. I have no overdraft apart from £200.00, they deposited £5000 into my account then asked me to withdraw it, then on the same day they told me they had deposited another sum of £5000 which they told me to withdraw and I did. However it transpires that they never deposited the second sum, but the bank still gave me the £5000 over the counter without any questions at all. Now I am in a terrible situation and have no idea what to do Debt Managers have sent me a letter saying they are taking me to court in pursuant to the county courts act 1984. I have my last year of my degree to do but am terrified of going back to uni. I don't have nay money and they want my student loan. I have tried to speak to the barclays they said tough we dont care, I told the police and they said I have no chance of proving anything, I spoke to debt line and they said go bankrupt, Im a student and my life is messed up so much already. Please can someone help me. Im sorry if this is in the wrond section. Thank you