Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • Alfy
      Ovo Energy Bill is way too high - faulty smart meter

      By Alfy · Posted

      I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #2 - MBNA CC

      By Badtimes123 · Posted

      To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • Lorenz
      MCOL help not being paid for job

      By Lorenz · Posted

      No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By Badtimes123 · Posted

      Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • tedney
      HFC Marbles credit card SD - was dismissed as voluntary joint charge provided - now owed by Cabot - settled at home sale - was i overcharged?

      By tedney · Posted

      I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

conned out of £4k

sandy12

By sandy12
in General Consumer Issues

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6297 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

sandy12

sandy12

Posted
Posted

I was wondering here - please, first off - dont tell me how stupid i was, i already know this.

 

Now - over the past few months, ive got to know (thought) this person extremly well. We have had some fun online, mainly on msn, and we have had some text convos. This person, seemed to be extremly nice. Then, they went quiet, so i asked what was going on - for a couple of days, he told me that he was ashamed to admit but he was in trouble finantually.

 

He said he was deep in debt and was scared and didnt know what to do.

 

I thought about this, and i did think, that i have got £5k sitting in the bank, that i did not need. So i asked how much it was, he didnt tell me, then the next day he told me it was £4k and that he had bailifs at his house and everything.

 

So long story short - he gave me his bank details (only sort code and account number) and i wired him £4k.

 

later on that day he texted to say how thankful he was. We kept in communications for a further 4 days and thats the last i heard from him.

 

He has failed to answer texts, phonecalls, emails, etc....

 

I dont even know his real name - as the name he gave me, im sure if phony.

What can i do?

 

Yes i know i am stupid, and yes i know i should not have done it - but what is done is done, and now i need some advice on what to do next.

 

I dont know his name - the bank, when i spoke with them, said something about his account not existing or that - so does that mean he has closed his account?

 

If he has closed his account, will the bank still have his detials on file?

 

The police didnt seem THAT intrested as i had willingly gave the money

 

Any ideas?

Link to post
Share on other sites
  • Replies 85
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

stan5131

stan5131

Posted
Posted

Hi. Sorry to hear of what has happened. Can you give a little more detail ie where exactly did you meet this chap and when you say you "wired" the money to him, what County is he from. I just hope you havent been hit by the Nigerian [problem]! This is a big [problem] that happens all the time.

Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
Hi. Sorry to hear of what has happened. Can you give a little more detail ie where exactly did you meet this chap and when you say you "wired" the money to him, what County is he from. I just hope you havent been hit by the Nigerian [problem]! This is a big [problem] that happens all the time.
Hi - i met him on a forum on the internet :mad: i know you are going to say how idiotic i am but we have never met - or spoke on phone. its just been texts, emails etc....

He is in the UK and that i do know

 

I wired the money (bank transfer) ie i went in to my bank and gave over his sort code and account number and the money was sent direct to him

Link to post
Share on other sites
stan5131

stan5131

Posted
Posted

Surely you must have the name of the account you paid into? Do not leave it at this. This is fraud and you need to let the police know that you want to press charges. This is obtaining money by deception! Go back to the police station, dont phone, call in person. Demand that they take action.

Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
Surely you must have the name of the account you paid into? Do not leave it at this. This is fraud and you need to let the police know that you want to press charges. This is obtaining money by deception! Go back to the police station, dont phone, call in person. Demand that they take action.
i did not need the name to pay money in, only the account number and sort code. He said his name was David (wont give last name) but i did not have to give that to the bank.

 

Anyway - i did go in the copshop and they said basicly that because i offered it to him, it could be seen as a gift.

 

But can the police actually track who he was? I mean - if he has closed his account...... :mad:

Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
what is the sort code and I will tell you the bank? not the branch of course to protect your identity
I looked up and found on wilki a list of sort code ref numbers - and it went to a Lloyds TSB bank.

 

I myself am Bank Of Scotland.

Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
Yes, but surely she is entitled to know where her money went to?
I would like to know - but if i can not get that information, is that something the police could get? even if the account is closed down?
Link to post
Share on other sites
Guest NATTIE

Guest NATTIE

Posted
Posted

I would think so if it is reported as a crime but am not sure if it is as the money was given freely it would appear. and as stansfield has said, was it a loan or a gift?

Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
I would think so if it is reported as a crime but am not sure if it is as the money was given freely it would appear. and as stansfield has said, was it a loan or a gift?

I intended it as a loan - i was under the impression i would get it back :-|

Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
is that what the other person agreed to?
well yes - i mean, when we spoke about it, he was all "no no i couldnt do that" and i said that i didnt need the money at the moment, it was sitting doing nothing and since he was a friend and was in trouble, i was going to help him out and give him the money to pay off the debt and that he could pay back when he could
Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
Do you have copies of any emails/texts from him saying "thanks for the loan of the money and I will pay you back soon as I can"? You also need to go back to the police and insist they take this further.

dont have any emails - as i regularly empty my box - i only have one text that says "thank you. i thought i would txt you to let you know; the money arrived in my account. Thank you so much for this"

Link to post
Share on other sites
stan5131

stan5131

Posted
Posted

Ok. I think you have a case to argue that you would not GIVE £4,000 away to someone you have known a short time. This guy is obviously the lowest of the low to accept this money and then cut off all contact. As I said earlier, you first need to press charges. If the police wont listen then you need to ask to make a complaint against the police.... that should jolly them into doing something about it. Go down to the station on Boxing Day and then post back and let me know.

Link to post
Share on other sites
Bigmac versus

Bigmac versus

Posted
Posted

sANDY12 Sorry to hear of this but some people are cruel, just a thought why dont you send him a new message saying you are worried the money you gave him may not be enough as you havent heard from him and was wondering if you needed more to sort this mess out, got to be worth a try id think, good luck.

Link to post
Share on other sites
Jimbo44

Jimbo44

Posted
Posted

Sandy, sorry to read about your problem.

 

Just a thought but, if you've been texting this person then you have his 'phone number I presume. It might be worth contacting the 'phone company just on the offchance it's a contract 'phone and not a 'pay-as-you-go' one bought for a few quid.

 

Either way, it's also an additional piece of evidence to give the old bill.

Jimbo 44 - always happy to help, but always willing to learn from being corrected too!!! Whilst any advice given may be based upon personal experience, please always be sure you seek guidance from a professional in the particular field.

 

Never be afraid to try something new. Remember that a lone amateur built the Ark, but a large group of professionals built the Titanic.

 

A 'click' on the scales is always appreciated if I have helped. Many Thanks!

Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
Sandy, sorry to read about your problem.

 

Just a thought but, if you've been texting this person then you have his 'phone number I presume. It might be worth contacting the 'phone company just on the offchance it's a contract 'phone and not a 'pay-as-you-go' one bought for a few quid.

 

Either way, it's also an additional piece of evidence to give the old bill.

phone is a PAYG and everytime i go to call it just goes to voicemail and its orange - i am with orange myself and i called them to mention this - they said they cant give out any details data protection bs n all that but did say it was PAYG - that was all they could say
Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
Ok. I think you have a case to argue that you would not GIVE £4,000 away to someone you have known a short time. This guy is obviously the lowest of the low to accept this money and then cut off all contact. As I said earlier, you first need to press charges. If the police wont listen then you need to ask to make a complaint against the police.... that should jolly them into doing something about it. Go down to the station on Boxing Day and then post back and let me know.
I will go back to the station later on and will post my "findings" here :)
Link to post
Share on other sites
sandy12

sandy12

Posted
  • Author
Posted
sANDY12 Sorry to hear of this but some people are cruel, just a thought why dont you send him a new message saying you are worried the money you gave him may not be enough as you havent heard from him and was wondering if you needed more to sort this mess out, got to be worth a try id think, good luck.
I have tried to text and call but it just goes to voicemail, its also payg so i assume he has got rid of the simcard
Link to post
Share on other sites
JonCris

JonCris

Posted
Posted
i did not need the name to pay money in, only the account number and sort code. He said his name was David (wont give last name) but i did not have to give that to the bank.

 

Anyway - i did go in the copshop and they said basicly that because i offered it to him, it could be seen as a gift.

 

But can the police actually track who he was? I mean - if he has closed his account...... :mad:

 

Of course the can with a bit of effort.

 

Go back to the nick & request the attendance of a senior officer.

Whether or not it is decided you DID give this guy the money as a gift is not for them to decide it WAS or even might be considered a gift. Your saying you have been conned they have to investigate as they keep telling us if an alledged crime is reported.

 

If still no joy go & see a solicitor & ask him/her to intervene with police on the basis that you will make a formal complaint.

 

PS Silly though you have been not getting a provable address it's heart warming to see that there are still trusting souls like you about in today's cynical world who are willing help those they perceive to be in dire straights.

 

Merry Xmas

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...