Payday loan fraud

XXSCOTSLASSXX

JimmyTheWig wrote: »

This would be on the debit card.

Apologies i didnt realise account numbers were on debit cards, none on my have this on them.

With regards to what you read on facebook, where you say he was bragging about what he had done and was trying to scam others into the same..... have u taken copies of this that to me would be proof and i would take straight to the police and request they now investigate, if he is aiming to gain money by deception in this way when you have already reported it i think the police may have a different view...

barbarawright

So what was the easy cash your daughter hoped to earn? If you want the police to investigate (and presumably Wonga won't write it off otherwise), they'll be interested in that.

Oneday77

Can you apporach the bank and ask for a still photo of who removed the cash from the machine? That way you know who did it and highlight to your daughter what she did was wrong. She may already know this but no harm in compounding that fact.

In regards to what others have said, draw a line under it, pay it off if you can then charge your daughter an amount each week/month to learn from it. If you want to save it and give her it back later that is your own choice.
As for pursuing Fraud it is a fine line between getting the guy caught out or framing your DD. In saying that people get conned over the phone all the time, so if you add in a physical presence that may have been intimidating then there may have been more to it.

JimmyTheWig

Sort of all depends on what the deal your DD thought she was entering in to.
Was it a case of "lend us £100 and I'll pay you back £120 next week" easy cash. Not sure on exact legalities of this, but can't be too bad. But don't see how this would mean giving over her card.

Or was it more a case of "give me your card and pin, I'll withdraw £100 and split it with you then you tell the bank it wasn't you and they'll refund you"? In which case the more the authorities are involved, the more problems for your daughter.

pwharman

JimmyTheWig wrote: »

Can the mutual friend not do anything about it? If one of my friends ripped off another of my friends I wouldn't just sit there and do nothing.

Yes she has asked her to make a statement to the police.

pwharman

XXSCOTSLASSXX wrote: »

Apologies i didnt realise account numbers were on debit cards, none on my have this on them.

With regards to what you read on facebook, where you say he was bragging about what he had done and was trying to scam others into the same..... have u taken copies of this that to me would be proof and i would take straight to the police and request they now investigate, if he is aiming to gain money by deception in this way when you have already reported it i think the police may have a different view...

Yes we have some screenshots but at the moment the police don't really seem interested.

pwharman

barbarawright wrote: »

So what was the easy cash your daughter hoped to earn? If you want the police to investigate (and presumably Wonga won't write it off otherwise), they'll be interested in that.

She either didn't ask or isn't telling us...I am sure she thought it would be illegal though which puts her in a difficult position.

pwharman

Oneday77 wrote: »

Can you apporach the bank and ask for a still photo of who removed the cash from the machine? That way you know who did it and highlight to your daughter what she did was wrong. She may already know this but no harm in compounding that fact.

The bank have said that they keep photographic records but since the police won't investigate it's a moot point sadly.

Oneday77 wrote: »

In regards to what others have said, draw a line under it, pay it off if you can then charge your daughter an amount each week/month to learn from it.
If you want to save it and give her it back later that is your own choice.
As for pursuing Fraud it is a fine line between getting the guy caught out or framing your DD. In saying that people get conned over the phone all the time, so if you add in a physical presence that may have been intimidating then there may have been more to it.

That is what we think too, she needs to learn something from this mess.

pwharman

JimmyTheWig wrote: »

Sort of all depends on what the deal your DD thought she was entering in to.
Was it a case of "lend us £100 and I'll pay you back £120 next week" easy cash. Not sure on exact legalities of this, but can't be too bad. But don't see how this would mean giving over her card.

Or was it more a case of "give me your card and pin, I'll withdraw £100 and split it with you then you tell the bank it wasn't you and they'll refund you"? In which case the more the authorities are involved, the more problems for your daughter.

She thought she was getting some easy money from some dodgy scam, she didn't twig that she was the scam.

katsu

pwharman wrote: »

She either didn't ask or isn't telling us...I am sure she thought it would be illegal though which puts her in a difficult position.

If she knew she was breaking the law then I strongly feel she needs to pay the money back herself, to learn crime doesn't pay, and put her off getting involved in anything like this in the future, when the consequences could be even more serious for her.

As others have posted, if you pursue this, her part in this fraud could become even clearer, so I would think it was best for perhaps you to pay Wonga (if possible) and for her to pay you back, or if not, for her to enter a repayment plan with them.