Unauthorised money taken mwsf.co.uk

DeepToot

gb12345 wrote: »

Why would a legitimate company such as Wonga want to risk DPA problems by selling customer's credit card details to a dodgy loan "broker"?

They wouldn't - perhaps you should look closer to home. If it wasn't you, then how about OH/kids/siblings/anyone else who lives with you and has access to your cards?

Okay, shall we see how (text removed by MSE Forum Team) it feels to be scammed in such a disgraceful manor? All you need to do is reply back with your full name on card, card number, sort code, security number, expiry date, start date, name of account ect. Then I will charge you £67.95 then another £67.95 on a second date, come back and tell me how you feel.

Buzby

Only if you've never given your CC number to any other entity in the past - the connection is a tad tenuous to categorically blame them (as much as I'd like to agree).

CKhalvashi

purepink wrote: »

From what I've read on other Forums, it seems that when people need money and find these websites, in order for their request to be 'validated' they have to enter their details, which includes their card details - and yes, we know that is naive, but yes - they may well have been in a panic - urgently needed money for something. All I was trying to ask is for people not to be too harsh on those posting. I'm pretty sure they have all now learnt the error of their ways....
But aside from the fact that no-one should ever enter their card details on-line without checking out the site and the T&Cs.... shouldn't someone, somewhere be stopping companies from being able to do this?

A company (Tesco) needed to 'validate' my credit card earlier, and have requested £1, until they do my shopping in 2 weeks.

This, as far as I'm aware, is most peoples opinion on how cards work.

I don't think I ever typed my card details into a website I didn't research first (I will ALWAYS have a flick through reviews), and however desperate for money someone is, they should do the same.

CK

gb12345

DeepToot wrote: »

Okay, shall we see how !!!! it feels to be scammed in such a disgraceful manor? All you need to do is reply back with your full name on card, card number, sort code, security number, expiry date, start date, name of account ect. Then I will charge you £67.95 then another £67.95 on a second date, come back and tell me how you feel.

But you stated that you never gave them your card details, yet they still managed to "guess" them and charge you.

So how about you guess all my details and charge me - that would be a more accurate comparison to what you claim has happened.

amazingly

Hi,

I am also going through a nightmare of a time with this very same company called Smile Finance, and they are just helping themselves to my partner's bank account, as they store bank detail information and Visa debit card information too.

On 29/11/2013 they took two separate payments one of £35.34 and one of £36.31. I called the company from the bank on my partner's behalf as he is not confident over the phone. They agreed/promised to repay the money on 03/12/13 but didn't. They then requested I submit a refund-request form: a promise of the money to be paid on 10/12/2013 - instead; they charged my partner's bank account of a further and unauthorized amount of £35.34.

They do not respond to emails and have not the phone credit to make calls to them. We have contacted consumer action and the FSA - financial services authority. My bank manager knows of the situation, yet says that there is little she can do and that the police have few powers in these kinds of situations. Please if anyone reads my post; I would be most grateful to you for your response. :mad:

gb12345

amazingly wrote: »

Hi,

I am also going through a nightmare of a time with this very same company called Smile Finance, and they are just helping themselves to my partner's bank account, as they store bank detail information and Visa debit card information too.

On 29/11/2013 they took two separate payments one of £35.34 and one of £36.31. I called the company from the bank on my partner's behalf as he is not confident over the phone. They agreed/promised to repay the money on 03/12/13 but didn't. They then requested I submit a refund-request form: a promise of the money to be paid on 10/12/2013 - instead; they charged my partner's bank account of a further and unauthorized amount of £35.34.

They do not respond to emails and have not the phone credit to make calls to them. We have contacted consumer action and the FSA - financial services authority. My bank manager knows of the situation, yet says that there is little she can do and that the police have few powers in these kinds of situations. Please if anyone reads my post; I would be most grateful to you for your response. :mad:

Why are you phoning and emailing them? Perhaps read a few posts in this thread and you will see what your partner has to do (hint it involves an envelope and a stamp). If they don't respond favourably within 8 weeks then go to the FOS.

As to the continued payments being taken out and the bank manager saying " there is little she can do and that the police have few powers in these kinds of situations", she is an incompetent fool who appears not to understand the industry she works in. I would expect that from a call center chimp, but a manager should at least have some idea of relevant legislation.

Your partner needs to do 2 things

1. Tell the manager that he wants to cancel the Continuous Payment Authority to whichever company have taken it (is it always Smile or are there various companies?). Hopefully she will understand what that means, but if she really is stupid mention the Payment Services Regulations 2009 and the fact that she has to cancel the CPA and refund any future money debited.
2. Tell her that the third amount was an unauthorised fraudulent transaction and you want it refunded (you my need to speak to the fraud department if she is as useless as she sounds).

The final thing I would advise is a chat with your partner to explain the foolishness of entering his card details on random websites.

serverking

xapo99 wrote: »

Ok, I appreciate the answers, and I appreciate stating the 'fact's and the fact that I was 'stupid' may be a variable.

I'll break down what happened in a sort of scenario way, but at no time did I directly give these people my card details.

It worked a bit like this...I rang up a shop and paid for a potato over the phone, they recorded my card details on some paper, to enter into their machine later one.

In the mean time, the shop gave the details to the shop next door, who charged me money, 'in case I wanted to buy a carrot'.

Simple enough ?

Certain foods like 'potatoes' may not be readily accepted back by the 'grocer' after you've willingly supplied your debit card details to buy it... to all intents and purposes, how does the 'grocer' know you haven't peeled it, realised you don't own a saucepan to boil it and want to return the 'potato' to his store?

Best thing to do, to continue the analogy is pop into 'Asda' (i.e your Bank once you've been more careful with your money over six months) and buy your 'potatoes' with cash, and a saucepan while you're at it? :rotfl:

It's happened to all of us, I got burned by a firm called Ralph Marlon Loans a few years ago... A Broker is not a Loan Provider, they simply use the same Google search you have at home and charge a fee...:p

Utseya123

Although internet banking is catching on in a big way, there are some inherent risk factors involved. What I advise our clients to do is to link the card to an account which is not their regular banking account but a pass-through account only. That way, even if you are defrauded, the loss can be restricted to some petty amount. Most importantly do not share confidential information like this on the net.

missmagnum

xapo99 wrote: »

I applied for a payday loan, then decided it wasn't a good idea, as I would be better just selling some stuff on ebay to cover my outgoings. I applied via what seemed a quite reputable firm, but they have handed my card details onto a firm called

mwsf.co.uk, who are basically, these people :

EQI Independent Ltd trading as Moneywarehouse PO BOX 290, Cheadle, Cheshire

Anyway they have basically stolen 36.31 from my account today, meaning I can't go shopping (yes sad and broke I know) and my bank the Natwest, just couldn't care less.

Anyone have any input, or can help ? Thanks

I'm in the same situation as you. But here's how mine went.
I applied for a loan, was informed I was able to have amount requested, in order to receive loan I had to input card details. ( upto this point nothing had been mentioned about handling fee, or what ever they wish to call it) so I:mad: carried on. After clicking submit I directed me to another company where it then informed me of a 69.99 fee, which would Be debited within 60 days, by loansdirectuk. bang! I'd been screwed over! But that's not the end of it, this happened on the Friday before Christmas my last bit of Xmas shopping money. Today, January 2nd, I was debited 39.99 by loanzoo and 39.87 by mwsf.co.UK . So those of you who think we've been stupid, you must feel wonderful being so perfect, but we are not looking for critizism we are here for help and advice. The bank wouldn't help me and now I'm trawling the net looking for any addresses and information that may help get my money back. I've had to cancel my debit card and now I've nothing to live on but £10 for the next 7-10 days.

Apples2

missmagnum wrote: »

now I'm trawling the net looking for any addresses and information that may help get my money back. I've had to cancel my debit card

Lets "trawl the net" together..

Loansdirect
http://www.loans-directuk.net/termsandconditions

Cancellation of Membership
A Member can terminate or cancel their membership within 14 days of inception by requesting cancellation in writing to the following address: Loans Direct UK Ltd, Office 8, 10 Buckhurst Road, Bexhill on Sea, East Sussex, TN40 1QF

mwsf.co.UK (you gave us a little clue to the website on this one!!)

5 CANCELATION

• 5.1 Under the Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive a refund. If You wish to cancel your application, You must write to us. In this event We will refund your fee within 7 working days of the date on which We receive your written request to cancel your application. Any such requests should be made to: smileFinance, Metropolitan House Station Road, Cheadle Hulme, Cheadle, Cheshire, United Kingdom SK8 7AZ.

You do realise cancelling your card is of no use at all and you appreciate the words WRITE means you need to write a letter and post it right?