We are in serious trouble.......

greenface

burkey38 wrote: »

An unexpected direct debit came out on 17th from loanfinder.co.uk for £56.50. I didnt see it until yesterday and my bank said it was too late to reverse it. Obviously its now cancelled.

Apparently she was gonna a use this company who guaranteed they would be able to find her a company who would sort a loan out.

the details of two companies were forwarded by email, one company didnt cover Northern Ireland and the other company dealt with log books even though she told them we didnt have a car.

Thats what £56.50 was paid for:mad:

Is there no way I can get this money back?

Are you winding us up ??:rotfl:

Pepzofio

Sorry to be the bearer of bad news, but you're likely to lose the childcare element of your WTC if your wife is no longer working. If you are claiming TCs as a couple then to qualify for this element, you need to both be engaged in full time paid work unless one of you is incapacitated, in hospital or in prison.
You need to inform the TCO & get the children out of childcare asap, as you're clocking up an overpayment every day that goes by (unless your wife's on remand, but I got the impression she wasn't...)

With regards the loansavers DD, go to your bank and claim it back under the DDM indemnity guarantee - the bank is obliged under this to give you a full and immediate refund if the T&Cs of the DD scheme are not met, which include (a) having a valid mandate and (b) informing you of the date amount of any DDs at least 10 working days in advance (possibly in writing, can't remember).

Presumably loansavers did this, or at least thought they had, if your wife set it up fraudulently in your name. The valid mandate thing is harder to prove either way now that they can be set up online or OTP - however, if they record calls & it was set up by phone, you should be able to prove pretty comprehensively that it wasn't you (assuming she didn't get someone else to impersonate you) and if it was online you can probably find out when & prove that you were at work/on the road.

Just bear in mind that it may result in further charges if the fraud gets reported, but if you want the money back that's how you can get it. These loan finder companies are a complete con anyway - at least the ones that ask for fees up front are.

Unless of course it's a joint account - in which case you are basically screwed.

wendyphant

No advice here just a hug for you and your boys x

poppy10_2

burkey38 wrote: »

The solicitor feels that an appropriate psyciatric assessment can only help her case.

What do you think?

It can't hurt her case, the worst they can say is that she is not mentally ill.

Wookey

burkey38 wrote: »

An unexpected direct debit came out on 17th from loanfinder.co.uk for £56.50. I didnt see it until yesterday and my bank said it was too late to reverse it. Obviously its now cancelled.

Apparently she was gonna a use this company who guaranteed they would be able to find her a company who would sort a loan out.

the details of two companies were forwarded by email, one company didnt cover Northern Ireland and the other company dealt with log books even though she told them we didnt have a car.

Thats what £56.50 was paid for:mad:

Is there no way I can get this money back?

Mate you really need to sit her down and not let her up again till you get straight answers to every question you have about this whole situation, i would also make sure she has no access to anything that relates to money or is usable to obtain it, including net access. The fact that she is trying to obtain more money behind your back points to something still, that she isn't telling you.

piggeh

You need to find out the root causes and make sure they're resolved. If she isn't honest with you then there's little hope of a future. She should be telling you what the loanfinder DD is about (I would assume she realised it would show up on a bank statement though). Personally I would get a copy of her credit report and check what's on there with regards to other debts. I know people that have gone bankrupt and their partner has taken full control of finances. They're still together and the bloke sees it as an entirely reasonable response given the circumstances.

Sometimes people go off the rails and do things they no doubt regret and feel guilty about, but there are generally underlying issues which if not resolved will only lead to further problems or a repeat of what's happened. It doesn't make them bad people but they need to improve coping strategies and try to get over the root causes.

I_know_my_ABC_and_my_CMYK

ukjoel wrote: »

Practical advice.

They will come after your wife for the money. So make sure she doesnt have any. Transfr house to your sole name with immediate effect, cancel any joint accounts and ideally get her to change her address to her parents.

Your priority is to protect your home and your kids home.
She needs to fight it - where is there proof?

Were police involved or was it an internal investigation?
Was she properly represented?
Did they follow correct procedures?

Challenge everything, Delay everything, and in the meantime batten down the hatches. Take union advice if she is a member or see a solicitor.

Stick with the wife - believe it or not this happens quite a lot. Most companies keep it quiet because A they are very embarressed and B they dont want to publicise how easy it is to borrow their money without asking.

Internal checks and controls are usually very poor and you will find your wife is not the only one feeling uncomfortable at the moment.

Wouldn't transfering the name onb the property be classed as deprivation of capital? Isn't the time frame 5/6 years on this?

Would be a good idea though if it was possible.

Gorgeous_George

Perhaps a PM to the OP would have been more appropriate. However, I think we should afford jon the benefit of doubt.

Clearly, refunding the money isn't going to help the OP very much. It would be nice if we had an update.

I think many of the huggies would have a different viewpoint if it had been the husband who was stealing the money.

GG

Fire_Fox

burkey38 wrote: »

She has no access to bank accounts, credit or debit cards. Probably wanted the loan to pay back what was took.

For whatever reason, your wife has repeatedly lied to you and to her employers. You are not home when the post comes so you have no idea whether your wife has access to bank accounts, credit or debit cards. If she is willing to steal a substantial sum of money from her employers she is potentially willing to do the same from financial institutions.

People with addictions are often not capable of being honest with themselves let alone those around them; there is little point in asking your wife where the money went or if there are any other hidden debts. Either walk away from this situation, or get hold of both your credit reports and go through your home with a fine tooth comb. £25K is an enormous amount of money to spend in just one year without anything to show for it.

I_know_my_ABC_and_my_CMYK

Is there an update on this thread yet?