Domestic & General fraud.

Boohoo

waamo wrote: »

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.

This could be the next PPI scandal ?


As for the paperwork some of the D&G insurance may have been done on the internet all those years ago so a signed copy may not exist.


The OP should of looked at the bank statements nearly 10 years ago and noticed this but errors happen.

Cleetus

Maybe if Blackbeard had hilighted the second half of the same sentence in red, or any of the following paragraph, where I openly concede my faults? Seems hypocritical to question reading comprehension under the circumstances.

When a person has no reason to look for a thing, or suspect a thing to be present, that thing can often remain unseen, hidden in plain sight. This is a common experience of human nature.

I have never owned white goods or taken out a coverage policy on anything, so I had no reason to check for the presence of one. Also, since the rest of my money wasn't mysteriously disappearing or unrecognised purchases taking place I had no reason to suspect I was a fraud victim.

The completely anonymous DGS/RRP DD moniker has, on most of my statements, appeared directly underneath my card repayments on the first of the month so, as I said, I took them to indicate bank charges or similar. There was no external impetus for me to even flag this as a third party outgoing.

I was wrong, obviously. But within reason.

Plus, this notion that fraud is somehow less fraudulent if the victim doesn't flag it, this warrants examination. What if the victim is elderly, or dyslexic? My father has been victim to multiple frauds through his Alzheimer's. I'm not dyslexic, but, as it goes, my dyspaxia effects how I experience written lists.

You can see where I'm going with this? Towards suggesting where you can go and what you can do when you get there?

I started this thread to ask for legal advice in managing a crime. Not for unsolicited smugness. Please be elsewhere.

Aylesbury_Duck

Cleetus wrote: »

Maybe if Blackbeard had hilighted the second half of the same sentence in red, or any of the following paragraph, where I openly concede my faults? Seems hypocritical to question reading comprehension under the circumstances.

When a person has no reason to look for a thing, or suspect a thing to be present, that thing can often remain unseen, hidden in plain sight. This is a common experience of human nature.

I have never owned white goods or taken out a coverage policy on anything, so I had no reason to check for the presence of one. Also, since the rest of my money wasn't mysteriously disappearing or unrecognised purchases taking place I had no reason to suspect I was a fraud victim.

The completely anonymous DGS/RRP DD moniker has, on most of my statements, appeared directly underneath my card repayments on the first of the month so, as I said, I took them to indicate bank charges or similar. There was no external impetus for me to even flag this as a third party outgoing.

I was wrong, obviously. But within reason.

Plus, this notion that fraud is somehow less fraudulent if the victim doesn't flag it, this warrants examination. What if the victim is elderly, or dyslexic? My father has been victim to multiple frauds through his Alzheimer's. I'm not dyslexic, but, as it goes, my dyspaxia effects how I experience written lists.

You can see where I'm going with this? Towards suggesting where you can go and what you can do when you get there?

I started this thread to ask for legal advice in managing a crime. Not for unsolicited smugness. Please be elsewhere.

That's a pretty weak argument. I'm not a gym member for example, and although I therefore don't check to see if gym fees are going out of my account, I do check my monthly statements for anything unexplained or unremembered. Eight years of not checking? I don't think that's reasonable.

However, none of that detracts from the fact that if you are sure you never set this up, the money has been taken incorrectly. It may not be fraudulent, a theft or a crime, it may be an administrative error and someone somewhere has had cover for nothing for eight years on your cash. All you can do is exhaust the processes with the bank and D&G and see what arises. They will either be able to prove they took the money with your authorisation or they won't. If they can't then I think you can either pursue the DD guarantee route or instigate a small claims action.

Bermonia

Couple of issues here, given passage of time there may be very little information left with regards to how policy was set up, can’t remember what the limit of dd guarantee scheme is but recall there being one so unlikely to get a full refund down this route, of course if all else fails there is the financial ombudsman service - although there is an argument for any complaint to be ‘time barred’ - you have also indicated that the policy is linked to an address you previously lived at, IMO this is likely to throw doubt over any ‘fraud’ claims.

davidmcn

Cleetus wrote: »

I started this thread to ask for legal advice in managing a crime.

Like I said, I can't see sufficient evidence of anyone having committed a crime, from the information you appear to have available, so best not to start from that angle.