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BEWARE FAKE REFUND CHEQUES from CAPITA Debt Collections


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Today received a FAKE £50 refund cheque *apparently* from sainsburys bank regarding a debt I had way back when.

They have no idea I live here now as the debt was incurred in another part of the country.

 

The cheque appears to come from sainsburys and is a goodwill gesture because they overcharged in debt fees.

Its suggest they have asked Direct Collections to credit my outstanding debt account

and have themselves sent me this £50 cheque as a goodwill gesture.

Its pure fabrication and no doubt highly illegal too.

I have had no contact with anyone since leaving previous address.

 

No doubt you try to cash the fake cheque and they know you exist where they think you are now

when they receive notice of the failed deposit or if you use the contact details therein.

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If you could PDF that upload MaverickUK2014 (then we can see it) :wink:

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So how did they get the chq to you if they have no idea where you live?

 

Why is the chq fake?

 

Is this not just compo for illegal charges way back when?

 

They will know you exist anyway, no need for you to not bank the chq because of that. A simple credit chq would confirm that.

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I don't think Sainsburys would lend their name to a scheme like this and if it was done without their

express permission whomever did it would find themselves in court pretty damn quick.

 

Regards to all

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Does not make any sense. Why not issue a £10 cheque ? If it is fake, then the Banks receiving them to cash in, will not be very happy.

 

If it is real, when the cheque is cashed, it would go back to the issuing Bank who would then have the full details of the account it was paid into. Could be a way of finding out a debtors bank account info.

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They are not fake. I think Sainsburys has been refunding some charges recently, I have seen a few threads about this elsewhere.

I honestly dont think there s any issue, even then if you cash it then, you wont have anything happen?

 

They cant abuse the system like Conniff said. Seriously take a step back and look at what youve written. If youve had that back take it :)

 

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It wont be fake pr they would end up in a criminal court. Your bank is not allowed to hand over your account details, just say that it has been cashed. The issuer cant even get a court order to obtain the details.

What it really means is that they owe you more money than this and this is all they can be bothered to do to calculate how much is actually owed, ie: pluck a number from the air

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Morning all, First time Poster ..

 

Same as the opening post, i received exactly the same letter this mornnig from capita relating to a loan i had with sainsburys back in 2002, offerig me a £50 refund on charges.

 

i stupidly took a loan out while going through a messy divorce and then ended up in rehab for drug and alcohol addiction after 2o years working as a pencil neck scrote in the city( halcyon days..)..i havent had any contact with sainsburys since oct 2006 re the loan, as ive moved address at least four times since 2006. havent a clue how they have my address but i would have thought that as ive had no contact with them for nearly ten years the debt would be statue barred?.

 

now back with my life on track being a house housband and keeping my nose clean. this is the last thing i need. im not going to bank it but will return it with unknown at this address as this sounds as dodgy as a fifteen pound note , legaly speaking and susoect practice.

 

any advice appreciated , apoligies if i went on a bit.

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thanks mate, i havent made a payment since sept/oct 2006 when things went really pear shaped , and i havent had any personal contact in the form of letters or telephone calls with sainsburys since that date either. it was for an unsecured loan.

 

thanks again.

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Unless there is already a ccj on it, then there is absolutely nothing that can be done except write and ask nicely.

 

If they think this is a way of you admitting the debt and bringing it back to life, then they are wrong, it doesn't matter if you write to them saying you do and wave a pound note in front of them saying 'come and get it', there is still nothing they can do legally to make you pay.

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Hmmm if someone was offering me money out of thin air, I would be asking why.

 

If it was a Bank, Id be saying, Why does me accepting this £50 help them?

 

Then I would be thinking that If i accepted this it might be a full and final settlement of something. What if the £50 does not take into account everything they should be paying back.

 

for £10 I would be doing a full subject access request. If there are charges there is also prob interest charged on those charges. Something that often gets forgotten about. What if that £50 is actually worth £500?

 

I do not like giving the banks free money

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You're not labouring the point, that's what we are here for.

 

You can check on http://www.trustonline.org.uk/index.php/search-yourself which checks the court service (£4) or by looking at one of the credit reference agency (£2 by post), but it only remains on both for 6 years.

 

So it will have had to have been within the last six years to show up.

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As it has been said, they are probaly doing this to try and purge themselves of any real responsibility to a large number of people and save themselves a lot of effort for a little amount of cash . If you have the paperwork you could probably ask them for a lot more if you paid charges and fees but it isnt a trick to prove a debt, it is avoiding a bigger bill by simple means.

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thanks erics brother, i havent got the original paperwork , things were a bit hazy around ten years ago due to my mental and physical health..

 

a of water under the bridge since then. i think the loan was for about £10,000 and i do remember before things went south , that after paying the loan for about 4 years (2002-2006) at about £200-£250 per month , i had paid about 50p of the total or something ridiculous .

 

im probably just being cynical, but i find it odd after all these years i should get a letter out of the blue like the opening poster at the same time. i did wonder if capita are justlaunching/ trying a new ploy to chase debts which are in this case nearly ten years old since last payment/contact.

 

a big thank you to this forum for your advice as im utterly clueless in fiscal matters.

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  • 2 weeks later...

I received the £50 cheque on the 11th June 2015, suspicious, never cashed, today (28/07/15) I received a letter from Capita asking me to please cash the cheque. They are now demanding that I accept their money ? Mine was Bank of Scotland related, though I've never had a debt with them. Mike

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These cheques are very likely compensation for not doing something they should or doing something they shouldn't have. Almost certainly it will have been agreed with the Financial Conduct authority. So cash the cheques.

 

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Can you post up the letter asking you to cash the cheque and the one where they're demanding you cash it

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..

 

 

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I received the £50 cheque on the 11th June 2015, suspicious, never cashed, today (28/07/15) I received a letter from Capita asking me to please cash the cheque. They are now demanding that I accept their money ? Mine was Bank of Scotland related, though I've never had a debt with them. Mike

You dont need to have had any debt, it is for misselling you PPI or a bundled account and is designed to compensate you for your losses without haveing to calculate what they were. I have said that apart from an administrative convenience I think they are doing it to force a settlement at a lower amount to save them money where no claim has yet been made.

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