Westford and welldale?

Stupid_Question

keri03 wrote: »

Thanks dunstonh

I did not fill a dd mandate in, this is how they are saying they broke the rules. I paid by card for 6 yrs then set dd up over phone 1 day after payin by card. Westdale is claiming that nram broke the rules by not sending a mandate...the solicitor i rang said it sounded feasible but why should i pay someone 36% to tell you that?!
Independent financial advisor said sounds like a scam but couldnt be sure as we have a blame culture & maybe they are taking advantage of this loophole?

There is no loophole, direct debits can be set up on the phone.

See here - http://www.directdebit.co.uk/DirectDebitExplained/FAQs/Pages/SettingUpADirectDebit.aspx

dunstonh

I did not fill a dd mandate in, this is how they are saying they broke the rules.

A wet signature is not required on a direct debit any more. Hasnt been for many years.

Westdale is claiming that nram broke the rules by not sending a mandate

As a mandate is not required, that is not a breach of rules.

the solicitor i rang said it sounded feasible but why should i pay someone 36% to tell you that?!

Most scams have an element of feasibility but this one does not. It plays on a lack of knowledge of the system.

maybe they are taking advantage of this loophole?

There is no loophole. A direct debit is a means of transferring money from one to another. If the scheme rules are broken then you get a refund from the bank but it does not take away from the fact you will owe the firm the money.

All NRAM have to do is say you supplied them on x date with your bank details and they notified you in writing of the amounts on y date and that is it and the bank will take the money back from you.

-taff

and one last time in case you haven't got it yet....


IT'S A SCAM.

Strawblonde

I have also heard about this company and through a family member who was told she can receive compensation and her friend too? Does anyone have any evidence of completing a claim satisfactory or info if it is a scam as I have sent my list if direct debits to them and am now worried !!!!

Strawblonde

Hi myself and close family have been looking at this and the company seemed legitimate at first, hopefully we have been saved from the scam in time, any more info would be appreciated.

Thanks

societys_child

Strawblonde wrote: »

I have also heard about this company and through a family member who was told she can receive compensation and her friend too? Does anyone have any evidence of completing a claim satisfactory or info if it is a scam as I have sent my list if direct debits to them and am now worried !!!!

The only ones who can make any money from this are the scammers.

Suggest you contact the bank urgently and withdraw the allegations.

Strawblonde wrote: »

Hi myself and close family have been looking at this and the company seemed legitimate at first, hopefully we have been saved from the scam in time, any more info would be appreciated.

Thanks

Presumably your DDs are for utilities/ phones/ mortgage / etc

Did you really believe the companys concerned are just going to roll over and say "fair enough" here's your cash back?

They're not, they will prove to the bank the DDs were legit and the bank will eventually take back the "refund", or the companys themselves will come after you directly for what you owe them. By this time you'd have paid the scammers and you're well out of pocket!

The companys concerned and the bank may wonder why you were apparently trying to defraud them . . .

dunstonh

oes anyone have any evidence of completing a claim satisfactory

There cannot be as it is not possible. The bank doesnt just refund the money and say here you go, have some free money. The bank is required to refund under the direct debit guarantee. However, it then goes to the firm you are complaining about to ask them to supply confirmation that the direct debit was taken correctly. That can take many months sometimes. If the firms supplies it, the bank takes the money back from your account. If the firm cannot supply it (which would be rare) the bank gets the money from the firm but the person would then owe the firm the money.

Direct debit is not a contract for supply of goods. It is a method of payment between someone that owes money to another. If the direct debit is reversed then you still owe the money. If its a debt, such as a mortgage that you complain about, you would put yourself in arrears and get recorded on your credit file.

I have sent my list if direct debits to them and am now worried !!!!

You should not be worried yet as you havent instructed the bank (potentially fraudulently) of your allegations. It is at that point you would worry.

You can test the theory on this though.

i - supplying this firm a list of your direct debits does not give them sufficient information to know anything other than how you pay by direct debit. They will not have access to the mandates agreed or the letters the firms sent out telling you when the payment dates and amounts are.

ii -if the firm then come back to you and say some or all the direct debits were set up wrong then you know they are telling lies because they have not got that access to find out.

Up to that point you can pull out without concern other than the fact you have supplied personal data to a firm that you know is committing fraud. God knows what they are doing with that data.

If you go beyond that point, you become party to this fraud. The bank could withdraw your bank facilities. The firms you have claimed money back could take you to court for non-payment and withdraw services and blacklist you for attempted fraud.

-taff

strawblonde wrote: »

i have also heard about this company and through a family member who was told she can receive compensation and her friend too? Does anyone have any evidence of completing a claim satisfactory or info if it is a scam as i have sent my list if direct debits to them and am now worried !!!!

it's a scam.

keri03

i emailed peter on friday evening informing of everything id found,and guess what? the website has shut down! i emailed the journalist who apparently wrote the article, he confirmed he hadnt wrote it and that it had been hacked and they are now investigating, my bank are investigating also. feel sorry for anyone whos been scammed by them as the amounts could go high, they said i was due to 13000 from welcome finance but i didnt have any statements so we agreed to do the northern rock one til my statements came, just glad i used my common sense and started digging. i even said to peter, please be honest as i have 3 young children, one of which is disabled so i dont have the money to pay back if a counter claim arose and he still said no it would never happen and that i could trust them. Sick people, please dont fall for it!

[Deleted User]

keri03 wrote: »

i emailed peter on friday evening informing of everything id found,and guess what? the website has shut down!

Why are you pursuing this? The fact is that the whole scheme is just a fraud. You shouldn't be E-Mailing or contacting this person in any way now that you have realised this.

The website may well have been shut down, but "Peter" has doubtless moved on to other schemes or a new website.

As -taff keeps saying;
IT'S A SCAM