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Money taken from me - need both refund and compensation


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Hello

 

Not sure this in the right forum.

 

 

I have a very difficult situation here that I want you to help me to solve as soon as possible.

I have removed names, companies and numbers for now.

 

I have difficulty paying my credit card, which I have for security reasons,

what with a house move and Christmas coming along, it will be very difficult for me, financially.

 

I was so desperate that I have contacted loan companies,

one of them has contacted me,

I feel very anxious about it.

I wonder if you can help me with this.

 

I felt that £2,500 would clear my card and have something left over in my bank account for my move and for Christmas.

I selected 24 months to pay it off as I was optimistic that I could afford the repayments.

Now I know why my bank and other companies turned me down for a loan.

 

On Wednesday I had a telephone call from a loan company.

 

The man on the phone said said that he could offer me a £2,500 loan but under certain conditions.

First of all he said that I had to pay a £100 deposit into a bank account.

He forced me to pay £100 into the account of someone who is supposed to be the Managing Director.

 

This man then insisted that I purchased £225 in UKash receipts at 2.02 pm and 2.03 pm - one was for £115.00,

and the other was for £110.00 at my local off-licence.

 

 

He made me quote the numbers on the receipts over the phone.

He then said that he still had problems with the loan and asked me for a further £350 for in UKash receipts,

late saying that he would accept £250,

and then he would deposit my loan into my bank account.

 

I have never applied for a loan before,

but I have to say that this feels so suspicious that I have had to depart with £325 of my money,

and another £250 of it.

 

 

He said that I would have to get this out of my bank account tomorrow morning as I don't any funds in until my money comes in tomorrow

- when my benefit money comes in.

 

I have asked if I could cancel this, but the man says that I can't. I was so distressed over the phone.

 

I have looked up this man's name online and I found out that I wasn't the only one who had been duped by this.

 

I feel sick and drained that my money has gone like that, and I feel that I am not going to get the loan deposited.

It is disgusting because I trusted this man.

 

Is there anything you can do to help me with this with the information I have given you?

I don't want to get more money out of my bank tomorrow,

and I have a gut feeling that I am not going to get this loan.

 

I have been so badly affected by this that

 

 

I want compensation as well as my money back so I can live normally.

 

 

I live on my own and I have Asperger Syndrome, and

 

 

I was already struggling as it was.

 

 

I am going to move house soon.

 

 

My family normally have money in supply for me,

but because they have been buying furniture for the new flat,

I doubt there would be much left at the moment.

I only have £17 in my bank account.

 

Tell me how can I pay £1,440, with £325 on top of that, Credit Card bill?

I only have 1% of that money in my bank account, and it will take me years to clear it now.

 

 

I only get just over £300 in benefits.

I was clearing the card ready for the house move.

Going back a couple of years, I could complete pay it off, but now I can't.

 

I have bank account listing the payment as the UKash slips as evidence.

I also have the details of the account number and sort code of this Managing Director as well.

 

Please help me. I have learnt my lesson if one has to be learned.

A CAG member is who I am

I really hate things if they are a [prob-lam]

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I have alerted others on the site team for you.. but it does indeed sound as though something very suspicious is going on !

 

Could you please let us know the name of the Loan Company.. we can then check the FCA register to see if it is an authorised firm.

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Personally I owuld not be parting with any more money.

 

I would be reporting this to action Fraud

Writing a letter to your bank explaining you have been a victim of fraud and that as your income is benefits that they ercognise you are in financial difficulty and need help.

 

Others will give more detailed advise.

 

Also I would let your credit card know, in writing that due to a incident of fraud that you are in financial difficulties and ask if they could postpone your payments for a few months and freeze charges and interest for this period. After reporting to action fraud you should be able to give them a reference number.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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actionfraud then the police as you no.1. priority.

 

 

record the phone call if he rings back.

 

 

dx

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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http://www.credittoday.co.uk/article/15990/online-news/ukash-warns-of-loan-fees-[problem]

 

 

Ukash has advised anyone who realises they have been scammed to contact them on 00800 247 85274, and the company will attempt to block the Ukash code before it is used.

 

 

dx

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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Thank you for the replies. Sorry I couldn't respond earlier but I was having a rest.

 

I am not 100% certain what the company is called,

but I believe that it is called Loans 4 U or Loans 4 UK or something like that.

 

 

I did a Google online and things seemed to match. I have to say that they don't ring bells with myself.

 

The man who I was speaking to said that he was called Peter Jennings (if I am allowed to mention his name).

His name seems to match a few things online as well.

 

Unfortunately, I am unable to record the call as I don't have any recording device attached to my telephone.

 

I shall report this to Action Fraud and UKash (which I never heard of until this incident happened).

A CAG member is who I am

I really hate things if they are a [prob-lam]

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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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Share on other sites

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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Share on other sites

Yes, that sounds like him. His name comes up a few times on similar pages online as well.

 

 

I have just completed a Fraud Report form on the Action Fraud website. I know great detail about what happened which should help.

 

 

I hope that this will get solved and at the very least, get all my money back.

Edited by George563
Update

A CAG member is who I am

I really hate things if they are a [prob-lam]

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I just have landline telephone at the moment.

 

How do I go about something like compensation?

 

 

I have a credit card debt to pay,

and now I have around £400 in costs thanks to this situation on top of that.

They offered a loan, but they blackmailed me into sending money to them instead.

 

I am with Lloyds Bank and I approached them first for a loan. If they had accepted me for it first, I wouldn't be in this mess.

 

I have also contacted my local newspaper.

I am sure that my plight would be interesting for readers, and they might even offer support for me. I don't know.

Edited by George563
Writing other things down.

A CAG member is who I am

I really hate things if they are a [prob-lam]

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http://www.credittoday.co.uk/article/15990/online-news/ukash-warns-of-loan-fees-[problem]

 

 

Ukash has advised anyone who realises they have been scammed to contact them on 00800 247 85274, and the company will attempt to block the Ukash code before it is used.

 

 

dx

 

Why don't you telephone the number dx100uk has provided and see what they have to say. I should worry about getting your money back first before you start thinking about compensation !

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you know the name of the company, then you should in the first instance, make a formal complaint to their Head/Registered office. Head your letter "Formal Complaint" advise what has happened and then if they don't resolve the issue for you, you can take your complaint to the Financial Ombudsman or if you are up to it, to issue a claim through the country court.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Why don't you telephone the number dx100uk has provided and see what they have to say. I should worry about getting your money back first before you start thinking about compensation !

 

 

I am going to do that this morning. I have got the number written down.

A CAG member is who I am

I really hate things if they are a [prob-lam]

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:thumb:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have spoken to UKash and Action Fraud on the telephone, following on from the online form I filled in for AF.

The £225 in UKash slips have been spent which means that I can't get them back again. It frustrates me so much.

 

I will probably go to the bank later to talk about the fraud and the £100 deposit that I was forced to do.

I have the AF crime number and the UKash incident number written down.

I hope that it will get better from now.

 

I hate being forced into situations that I often don't want to be in the first place.

 

EDIT: That man has rung me again - but I put the phone down and unplugged it from the socket.

 

ANOTHER EDIT: He has rung me again. I have put the phone down again, and unplugged it from the socket again.

Edited by George563

A CAG member is who I am

I really hate things if they are a [prob-lam]

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That Jennings man can't leave me alone. He's just rang me again just before 9.00 am and after 11.00 am. I am sick of his harassment.

A CAG member is who I am

I really hate things if they are a [prob-lam]

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Be aware that if the bank dont play ball you may need to come back and ask for help on how to do a formal complaint in writing to get them to live upto their obligations.

 

Meantime, it might be worth talking to Action Fraud again to let them know the person keeps phoning you. They may be able to run a trace or something.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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I'm struggling to see where the word 'forced' comes into it ?

 

Quite often, a person's tone of voice and their demand together seem to me like they are forcing me to do something. Forced could be a substitute word for bullied.

 

 

I will consider calling AF again. When that man rang at 11.00 am, I told him to P-off. Haven't heard from him since, but it's early days.

I will be moving house in the next couple of weeks and I might get a new telephone number which should end all of this.

A CAG member is who I am

I really hate things if they are a [prob-lam]

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What did the Jennings man want ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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What did the Jennings man want ?

 

 

He presumably wants me to empty my bank account and give him all my money.

 

 

I am sorry, but that sounds like a rather silly question.

Edited by George563

A CAG member is who I am

I really hate things if they are a [prob-lam]

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Regarding the man that I was bullied into paying £100 to from my bank account.

 

 

The account seems to belong to another person who Jennings referred to as the Managing Director or something.

 

 

Not sure whether I can name the person here or not.

Not only do I have his bank details as evidence,

but I also have seen his contact details online.

He has a very unique name which had made it easy for me to find out these details.

 

I am going to write to him at that address and ask (or should I say demand) that he refunds me into my bank account, the value of:

 

A) The £100 that Jennings had bullied me into putting into the so-called MD's (the person I am writing to, not Jennings) account

 

B) The £225 in UKash vouchers that they have spent, according to UKash themselves. I have quoted the long numbers on the slips in the letter.

 

C) The £2,500 which was the value of my original loan that I requested.

However, because they have committed an act of fraud on myself,

I would like it sent into my account as a form of compensation.

I will probably have my work cut out regarding this,

but this was originally my main purpose on why I wanted them to help me.

I would accept at least £1,500.

 

D) £60 in other costs such as having to register with a website that helped me find out the contact details of this man, as well as phone calls.

 

If he doesn't pay up, then I will probably have to rely on public sympathy or something,

praying that someone can be generous and help me out.

Or get a solicitor or something.

 

 

My family has already spent enough money with regards to my house move,

buying new furniture and white goods for my new flat,

and because of this, I almost feel very embarrassed to tell them about this incident.

 

My credit card was at £1,440 before the incident,

and after what has happened,

along with other things connected to this case such as paying for a research website to find contact details, it is now at £1,775,

which is very close to its limit of £1,800,

 

 

when the main original purpose for the money was to clear the card.

 

 

At the moment,

I can pay a maximum of £700 thanks to funds inserted by family and other things,

which would have been nearly half of the total, and it will leave me with just £150 for direct debits next week,

but of course there is now another £1,075 at least to pay after that to clear the card.

 

 

Looks as if my house move will be even more stressful,

and that Christmas will be cancelled for myself this year.

 

 

To summarise: I have contacted Action Fraud online to fill in a report, and with a follow up telephone call. My local police force has been notified after I contacted my local council via one of the local councillors. I have also informed my local newspaper and a reporter or journalist would be interested in contacting me about this some time next week.

 

 

If I had been a shopkeeper and someone had stolen or had looted the shop, it seems that I would have a better case, but for the vulnerable individual almost seems to be ignored in society. Seems like that to me.

Edited by George563

A CAG member is who I am

I really hate things if they are a [prob-lam]

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have you spoken to the bank and card company to set in place a recharge to the card?

 

 

If not do so and make sure that no authorisation is left in place that will allow them to have another dip into your money.

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