Disputing bill payment transfer with a building society

edited 30 November -1 at 1:00AM in Reclaiming Mortgage Fees, Council Tax, etc
3 replies 633 views
cemcem Forumite
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Wonder if you folks can share your experiences/knowledge here and whether you think it would be possible to get money back from the building society via a dispute.

Scenario: Internet banking transfer was made to a plumber for a job he claimed to have done (job completion verified by letting agent). Plumber made duplicate keys of property (as it was empty) and after being paid, came back and ripped out his job and stole other things.

Crime logged with police and building society has been offered the crime reference number to put a reverse charge on the payment which would at least allow the opportunity to provide documentation to prove that the plumber did a clever one.

Question as follows:
Now should the building society be able to put a dispute on the amount of transfer as it was obtained by deception and try get that money back or can the building society wash their hands and say "sorry can't help you as you made the transfer yourself so it doesn't count as fraud"

So far they are doing the latter with exactly the reason above.

Many thanks for your help

Replies

  • dunstonhdunstonh Forumite
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    Now should the building society be able to put a dispute on the amount of transfer as it was obtained by deception and try get that money back or can the building society wash their hands and say "sorry can't help you as you made the transfer yourself so it doesn't count as fraud"

    No they shouldnt. There is a limited window for recalls. However, when that has gone you cant get the money back. If that was possible then no-one would use it because you would never know if money you have received from someone else is going to remain paid or not. There is no consumer protection in respect of this as there may have been had you paid by credit card for example. Its just like handing cash over.

    The crime here is not the transfer of cash. You got a bill and you paid it. The crime here is re-entering the property and theft.
  • edited 20 January 2011 at 11:11AM
    WhiteHorseWhiteHorse Forumite
    2.5K Posts
    edited 20 January 2011 at 11:11AM
    You paid the plumber for the goods and work and thus they were your property. He later returned, entered the premises and then stole your property, so there is a burglary.

    The compensation sought should cover all your losses.

    Are you insured?
    "Never underestimate the mindless force of a government bureaucracy
    seeking to expand its power, dominion and budget"
    Jay Stanley, American Civil Liberties Union.
  • cemcem Forumite
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    Indeed..insurance is in place and I will also be taking him to the county court for compsensation. Point of this was to try recover the funds quicker.

    Ah well .. you don't ask .. you don't get

    Thanks for your responses.
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