I got spoofed out of £1,000 by these fraudsters and the bank have refused to give me my money back. I was stupid enough to fill in the form on line and then I found it strange called bank to stop cards and they said it was online Sc@m. They said they would watch my account, not to worry, and issued new card and pin. 3 days later my cards came and i got a call from "the bank" but it was the sc@mmers. (They had my number from the online form I filled out for the fake refund). They said they would send me a code to my phone and to confirm the code for security reasons. I gave them the code and they started talking to me about what had happened and said someone tried to take £500 out my account but they blocked it and was calling to make sure it was not me. During this time, they downloaded the bank app onto their phone and using the code, transferred online 3 transactions totalling £994. After the call, I checked my account and noted then called the bank who stopped the account but could not stop the transactions. After an investigation they said because I gave this code to them I am liable. I have complained and they said I won't get my money back. I want to know if this is right. They knew this fraud was happening but did nothing to warn me and had a duty of care to watch out for me and protect my money. I did not authorise these transactions, even though they had the code to download the app, the actual authorisation and transfers were not done by me. I have been sick and unwell because of this and wondered if there was anything I can do because the bank should have done more to protect me and the transactions were not authorised.

hi all I have been taken to court recently for no having a tv licence . I did set up a direct debit that apparently didn't go through for whatever reason. im a carer for my mom and have a daughter that has adhd a job and a college course so I haven't really got time to go through the threads so apologies if its been asked before I entered a plea to court of guilty and explained what had happened. pointing everything out and asking for a way of paying by instalments. after a few weeks I had a letter requesting fine in full. I wrote to them asking to pay in instalments. however this was ignored and I had a hand delivered letter the other day saying the debt is now £445 !! it says if full payment is not received they'll be attending my property to seize and remove goods. im worried sick now . I cant believe they've put the fine up ,in fact doubled it when I had asked for a payment arrangement ! Is this legal?

Hi, I have been sent a new TV License for the period August 31 2010 until August 31 2011 to be paid by direct debit. The thing is, i am moving out of my flat in early september to move back in with my parents until i move into a new flat hopefully around december. i phoned tv licensing today to inform them of this and they said that they would transfer my license to the new flat. i objected because this would mean i would be paying whilst not actually needing a license and when i did move in to my new flat the license would run for less than 12 months. this doesnt seem fair, i know its only a couple of months payments but what would they do if it was a more substanial amount? do i have any options? many thanks, chris