Domestic & General fraud.

davidmcn

Whenever I've used the DD guarantee, the bank have refunded instantly and without question. So why not try it first rather than complicate matters?

Aylesbury_Duck

stragglebod wrote: »

Perhaps these are vulnerable people who've been forced to sell and move into supportive housing, and who don't have the capacity to look after their own finances and don't have anyone else helping them?


Edit: this is in response to Aylesbury Duck and spo2

Possibly in spo2's case but not in mine. They were a wealthy couple who I know moved to a more expensive house at the top of the chain and who bought the small house at the bottom of the chain as a BTL to complete the chain after it fell through early on. I suspect they are in the category where the DDs are a relatively trivial sum that they haven't noticed.

Blackbeard_of_Perranporth

Cleetus wrote: »

Hi,

this is a post about direct debit payments to the payee name DGS/RRP DD but is in a different category of issue to other existing threads on that subject I have found here...

I recently discovered an outgoing DD on my account I could not identify, to the payee D&G Appliance Care First Payment DD. It turns out this is a payment to Domestic & General for a cover policy on a fridge. I have never owned a fridge, never purchased a fridge, nor any other white goods, and have never taken out a cover policy on any purchase or item. Ever. That is simply not my finance bracket.

I canceled the DD, called and explained these truths to Domestic & General, explained that I have zero knowledge of any contract relationship with them and have never knowingly given them my bank details or any other information, then contacted my bank and had a block placed against any payments from Domestic & General or derivations of that name.

However, upon referencing my historical statements, I discover that a monthly payment has been going to them since 2011 (!) for this item I have never owned on this contract I have not agreed to, or have any knowledge of.

Yes, obviously, recriminations... how did I let an outgoing DD go unnoticed for almost a decade? In my defence, when this contract apparently 'renewed' this month and the name changed to D&G Appliance Care First Payment DD, ie a name with actual words in it, I flagged it immediately. The previous DGS/RRP DD payments have 'always' been there, so if I ever flagged them, going out on the first of the month with various other outgoings, I probably took them for bank charges or card repayments. And again, I had no reason to suspect such a contract was outgoing since I have no affiliation with this company and never owned an item of that type.

Anyway, that is all back story. The issue now is that D&G were definitely not given my details by myself, I consider their holding of them to be criminal, the entire contract to be fraud, and the complete and total sum taken to be theft. Again, unlike others facing 'surprise' payments from this company this is not an older or lapsed policy that I've forgotten about. I have never made any kind of purchase in this entire market.

My bank have advised me to call them again, and if they refuse a refund then to file a motion with said bank.

But any additional advice before I make that call would be appreciated?

The only (tenuous) affiliation I have with this policy is that it is linked to an item at an address that I previously lived in, but only as a joint tenant, and the tenancy agreement did not extend to any insurance policy on items therein. While the payments date from 2011 when I did reside at the associated address, D&G informed me that the purchase the policy is against dates back to 2009, which was before I moved in or had any connection to that address.

It seems to me they have acquired my details in pursuit of a cancelled claim by another party, but this is only a guess, and I did not share those details myself.

What advice can anyone offer on how best to approach this? What pertinent information do I need to gather I might not otherwise know to think of if I have to turn this into a legal case?

Suffice it to say, because I had no knowledge of this entire account before this month I have zero paper work associated to it. I also, obviously, have zero paperwork associated to a fridge I have never owned or purchased.

These repulsive companies that prey on people getting their banking details correct safe in the knowledge they don't check their statements for eight years must be shut down?

Now in other news, BoP is doing a ...


Note to others. Cancelling a DD does not absolve your responsibility for paying the money. You should contact the company direct to cancel the contract!

Jumblebumble

Blackbeard_of_Perranporth wrote: »

These repulsive companies that prey on people getting their banking details correct safe in the knowledge they don't check their statements for eight years must be shut down?

Now in other news, BoP is doing a ...


Note to others. Cancelling a DD does not absolve your responsibility for paying the money. You should contact the company direct to cancel the contract!

It does if the DD was mistakenly or fraudulently set up...

pulliptears

Aylesbury_Duck wrote: »

I've lived in my current house for six years. The previous occupants between them are still paying monthly and quarterly payments for:

Three magazine subscriptions
Rodent/pest cover
Wiring cover
Water pipes cover

This is despite me returning the early issues and letters with "no longer at this address" and doing so ever since. Between them they are paying around £30 per month for all this, and have done every month since 2013 when they moved out. It seems that checking one's bank account regularly isn't a concern to some people.

I still get a very expensive magazine each month as well. Even better I know the old owner and have told her two or three times. When it came again last month I went to the online chat and told them on that. We shall see if it arrives this month.

stragglebod

Aylesbury_Duck wrote: »

Possibly in spo2's case but not in mine. They were a wealthy couple who I know moved to a more expensive house at the top of the chain and who bought the small house at the bottom of the chain as a BTL to complete the chain after it fell through early on. I suspect they are in the category where the DDs are a relatively trivial sum that they haven't noticed.

Ah, so a slightly less impressive version of this https://youtu.be/1lHrYyrFHPs?t=64


You might as well make the most of their mag subscriptions, I hear Rodent/Pest Cover Monthly is a cracking read, and Water Pipes Cover Magazine has features some good plumbing reviews

agrinnall

davidmcn wrote: »

Whenever I've used the DD guarantee, the bank have refunded instantly and without question. So why not try it first rather than complicate matters?

I agree, it seems like the simplest solution if it works, although I have a suspicion that returning one or a few payments is likely to be a lot easier for the bank to agree to than somewhere around 100 payments!

spo2

Aylesbury_Duck wrote: »

Possibly in spo2's case but not in mine. They were a wealthy couple who I know moved to a more expensive house at the top of the chain and who bought the small house at the bottom of the chain as a BTL to complete the chain after it fell through early on. I suspect they are in the category where the DDs are a relatively trivial sum that they haven't noticed.

No not in my case either - it was a very long story what happened to the previous owners which I won't go into on a public board, but I know they're not vulnerable or incapable people

Blackbeard_of_Perranporth

Jumblebumble wrote: »

It does if the DD was mistakenly or fraudulently set up...

Cleetus wrote: »

However, upon referencing my historical statements, I discover that a monthly payment has been going to them since 2011 (!)

Fraudulaenty for 8 years?

waamo

I would also, as well as the advice above, ask D&G for a copy of any paperwork you apparently signed.

It might be interesting to see what they have.