Natwest problem - Recalling payment

Encase92

innovate wrote: »

Fair chance you got scammed. Report it to Actionfraud immediately

Also get on to Lloyds again, with a formal written complaint, since they appear to allow a fraudulent company to hold an account with them. Ask them to either prove to you that the account holder is legitimate, or to return your money to you immediately. Tell them that you will take your case to the Financial Ombudsman if Lloyds do not settle your complaint to your satisfaction within 8 weeks (the minimum statutory time you have to give them). Also give Lloyds the crime reference number that you get from Actionfraud.

If you think you are out of your depth on this, go to your local CAB and ask for help.

Don't pursue it through Natwest, they can't do anything for you.

Okay thank you. So just to clarify the steps in order:

1. Contact ActionFraud
2. After the reference number, write a letter to Lyods TSB about the scam and ask them to return my money.
3. If they deny, I will contact the Ombudsman.

What about my current case with Natwest? Since the Ombudsman has already completed it.

Encase92

Hello Innovate, I have a question:

*Do you want to add the details of a person or an organisation? A person (e.g. name, address, contact details)
A business or other organisation (e.g. name, website, email)
I have no details to add

Which would I chose? Business?

alanq

ColdIron wrote: »

Was the sort code 30-59-59 ?

Encase92 wrote: »

OMG YES!! that is the sort-code.

It seems that even if the site was legit Lloyds wouldn't have wanted to know as that sort code belonged to C&G which, while still owned by Lloyds Banking Group, has been split off into TSB.

Encase92

I have contacted ActionFraud (done their form) and got the reference number. I will see how this goes now, hope they reply quick

BMN

Encase92 wrote: »

50, Canal Bridge Enterprise,
Liverpool CH65 4EH, United Kingdom
United Kingdom

They have 2 addresses on their website.

This is the first time in my life I have been scammed. And I do a Computer Forensic course !!!!!!.

The prices aren't even displayed in the correct format for the UK?

alanq

BBC Radio 4 Moneybox Live Wed 05 Feb.

"Have you been a victim of fraud, identity theft or a money scam? How do you protect yourself and can you get your money back? Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk now

http://www.bbc.co.uk/programmes/b03szts4

May be worth listening to if not giving them a call.

block10

The Leeds address on the contacts page is also used by another firm "PC Rush". They might be able to help, maybe.

38 Commercial Rd
Leeds
West Yorkshire
LS5 3AQ
United Kingdom

jonesMUFCforever

Encase92 wrote: »

Okay thank you. So just to clarify the steps in order:

1. Contact ActionFraud
2. After the reference number, write a letter to Lyods TSB about the scam and ask them to return my money.
3. If they deny, I will contact the Ombudsman.

What about my current case with Natwest? Since the Ombudsman has already completed it.

1 is correct.
2 Sorry you have no hope of getting a refund. If it was a card payment you would have a chargeback or even s75 to back you up - you freely transferred a sum to a company.
3 They will tell you what I have told you in point 2.

JuicyJesus

innovate wrote: »

Also get on to Lloyds again, with a formal written complaint, since they appear to allow a fraudulent company to hold an account with them. Ask them to either prove to you that the account holder is legitimate, or to return your money to you immediately. Tell them that you will take your case to the Financial Ombudsman if Lloyds do not settle your complaint to your satisfaction within 8 weeks (the minimum statutory time you have to give them). Also give Lloyds the crime reference number that you get from Actionfraud.

This will do nothing and following it will merely waste the OP's time. Multiple complaints of this precise nature have been adjudicated on by the FOS and none have been successful. Lloyds' responsibility begins and ends with verifying the identity of their customer in line with regulations - it does not include indemnifying other parties for their customers' actions or providing a guarantee against fraud on a payment method where there is none. Also, the Ombudsman Service does not have the power to investigate complaints about how a third party opened an account with an institution.

Ombudsman decisions:

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=15657
http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=27330
http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=6230
http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=5957
http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=22539

Short of the Police pulling off a minor miracle, OP's money is gone.

innovate

Whilst I agree that the OP's chances to recover their money are very slim, I don't believe it is not worth trying. The FOS have just very recently decided that Barclays are to repay £68K to a woman who transferred that amount to a Barclays account held by fraudsters.

It is quite unacceptable that Lloyds (or TSB) should get away with a) giving an account to a fraudster and b) keeping this account open even after people have been defrauded. If it had happened to me, I would be straight on to Mr Horta-Osario's office.