Unauthorised transactions

QuantumGirl

oliverhowitt wrote: »

Evening all,

I've come across two transactions that I do not recognise or have I authorised.

The amounts are £19.50 to GM Credit Ace and £19.45 to Trakkit.co.uk.

I have looked and they seem to be part of payday loans who pass your details on but funny thing is, when I have applied for such loans, I was careful to tick that I do not want any information passed onto 3rd parties.

I have phoned Halifax and they cannot tell me if there are any CPA's on my account nor can then reverse the payments.

I'm a bit stuck as to what to do as that's well needed money up for Christmas!

I'm afraid this is a scam. Your card details were stolen when you were mislead, probably believing you were verifying your identity on a loan comparison website or broker. They will claim you opted into their service, but will be unable to prove this. It's almost certainly not going to stop there, they operate under many different names: Trakkit, Credit Ace, Cloud Nine, Credit Cleaner and the list goes on. They are all start up companies, all with mail forwarding addresses and all with the same, sole director, Mr Michael Martin Waylett, using the address 20-22 Wenlock, London, or 145-147 St Johns, London. Both mail forwarding addresses.

Contact the fraud agency, financial ombudsmen, and if you're up for really pursuing this criminal, Watchdog and any other media outlet possible.

I'm afraid my bank were all too aware of this con artist, even having contact details readily to hand. Keep a very close eye on your account, as most people discover more and more unauthorised debits from ever increasing, Unknown companies.

Associated companies (outrageously claiming to help protect against the very fraud they carry out the,selves)

Claims Services ltd

Cloud nine

Lansdowne technologies

Marketing intelligence

Miura partners

Smart digital tech

Thames Technologies

Wise Debt solutions

Xplore marketing

Each company operates various "stylings", i.e. they trade under different names!

Howitto

QuantumGirl wrote: »

I'm afraid this is a scam. Your card details were stolen when you were mislead, probably believing you were verifying your identity on a loan comparison website or broker. They will claim you opted into their service, but will be unable to prove this. It's almost certainly not going to stop there, they operate under many different names: Trakkit, Credit Ace, Cloud Nine, Credit Cleaner and the list goes on. They are all start up companies, all with mail forwarding addresses and all with the same, sole director, Mr Michael Martin Waylett, using the address 20-22 Wenlock, London, or 145-147 St Johns, London. Both mail forwarding addresses.

Contact the fraud agency, financial ombudsmen, and if you're up for really pursuing this criminal, Watchdog and any other media outlet possible.

I'm afraid my bank were all too aware of this con artist, even having contact details readily to hand. Keep a very close eye on your account, as most people discover more and more unauthorised debits from ever increasing, Unknown companies.

Associated companies (outrageously claiming to help protect against the very fraud they carry out the,selves)

Claims Services ltd

Cloud nine

Lansdowne technologies

Marketing intelligence

Miura partners

Smart digital tech

Thames Technologies

Wise Debt solutions

Xplore marketing

Each company operates various "stylings", i.e. they trade under different names!

Wow, thanks for that. Amazing how this happens though. I'm going to Halifax tomorrow, any advice? Show them this thread? I'm at loose ends at how to stop any more potential outgoings! Absolutely petrified.

SuperHan

Ask Halifax to cancel any continuous payment authorities on your card (if they say they can't, remind them that they can and have a duty to when you ask them to).

You likely did authorise the initial two payments (given that you didn't read the T&Cs for Checkmyfile, I'm sceptical you've read any other T&Cs in sufficient detail to know that you didn't authorise them), so I don't know how likely you are to get these back

**It's worth noting, there's some rules about companies hiding continuous payments after a free trial, you may be able to claim what you've paid back on the basis that key terms were hidden from you in small print**

grumbler

SuperHan wrote: »

Ask Halifax to cancel any continuous payment authorities on your card (if they say they can't, remind them that they can and have a duty to when you ask them to).

They can't cancel 'any' as they have no means to do this.
There are no any CPAs that they can see "on a card". It's not like a DD that can be set, seen and cancelled.

The only they can do is to mark some particular company taking payments and in the future either block the payments or refund immediately and charge back the company.

Even if there is some special code for CPA transactions, the companies often don't use it when taking CPA payments

magpiecottage

SuperHan wrote: »

Ask Halifax to cancel any continuous payment authorities on your card (if they say they can't, remind them that they can and have a duty to when you ask them to).

You likely did authorise the initial two payments (given that you didn't read the T&Cs for Checkmyfile, I'm sceptical you've read any other T&Cs in sufficient detail to know that you didn't authorise them), so I don't know how likely you are to get these back

**It's worth noting, there's some rules about companies hiding continuous payments after a free trial, you may be able to claim what you've paid back on the basis that key terms were hidden from you in small print**

If you are satisfied that you did not authorise payments, you can ask the bank to refund them. Be aware, though, that the bank can reverse that again if it subsequently turns out that you did.

Howitto

magpiecottage wrote: »

If you are satisfied that you did not authorise payments, you can ask the bank to refund them. Be aware, though, that the bank can reverse that again if it subsequently turns out that you did.

Bank refunded and matter closed

chattychappy

Thanks for posting the outcome.

scam_catcher

this is what happened to me.
i searched for loan company and minute-money come up.
filled form and asked me for card details to charge £0.10p. i paid and after i get message from scumbags saying you have 7day free trial.
i call couple of them budget-wise and number provided on site is cancellation team. so, they dont have any other number.
Other one is creditboost and same again. phoned them and getting to cancellation team.
Each of them charge you r account £0.10, £0.20p. even if you cancel if you don't cancel they will charge you £19.00
Make sure you ask for full refund of £0.10p
like us there is 1000s of people looking for some sort of loan. and they take advantage of this and scamming people.
I asked to speak to managers and no managers available. bunch of younge guys sitting in one room and scamming people. this is what it is.
i guess they make about 5k a day.
also you can hear at background they are canceling other peoples accounts too.
i looked at whois.com and this pages someway related to each other.
some domain name owned private individual but company is limited company. which it doesnt mean its legit. cost free to open limited company.

Guys just be careful. Tomorrow i will call to action fraud. Also cancel your bank card and get new one. you never know what this f... do next.
Good Luck

DCFC79

scam_catcher wrote: »

this is what happened to me.
i searched for loan company and minute-money come up.
filled form and asked me for card details to charge £0.10p. i paid and after i get message from scumbags saying you have 7day free trial.
i call couple of them budget-wise and number provided on site is cancellation team. so, they dont have any other number.
Other one is creditboost and same again. phoned them and getting to cancellation team.
Each of them charge you r account £0.10, £0.20p. even if you cancel if you don't cancel they will charge you £19.00
Make sure you ask for full refund of £0.10p
like us there is 1000s of people looking for some sort of loan. and they take advantage of this and scamming people.
I asked to speak to managers and no managers available. bunch of younge guys sitting in one room and scamming people. this is what it is.
i guess they make about 5k a day.
also you can hear at background they are canceling other peoples accounts too.
i looked at whois.com and this pages someway related to each other.
some domain name owned private individual but company is limited company. which it doesnt mean its legit. cost free to open limited company.

Guys just be careful. Tomorrow i will call to action fraud. Also cancel your bank card and get new one. you never know what this f... do next.
Good Luck

No reputable lender will require card details to charge 0.10p, the money will be transferred into a bank account.

A lesson learnt.

chattychappy

DCFC79 wrote: »

No reputable lender will require card details to charge 0.10p, the money will be transferred into a bank account.

A lesson learnt.

Easy to make this mistake.

I remember one of the mobile phone shops used to ask for a credit/debit card in order to charge 1p. This was part of ID checking (because you needed a PIN) when you were signing a new contract for a new phone and no upfront payment was required. Completely legit.