DIRECT DEBIT INDEMNITY FRAUD

CW2020

     A famous music artist from London (Swarmz) advertised on his snapchat a guy who could help you make money. I thought I could trust this promotion and under pressure, naively handed my details over to the guy. The guy befriended me and manipulated me , he even went to lengths to say I was pretty and he would love to take me out. Long story short - He raised indemnity claims for all my direct debits from my car finance, my mobile phone and my debts that I had paid off to a total of over 6K in which I thought he was putting into my account in 'drips and drabs' from a legitimate business and then I was transferring it out to another account.  I feel completely violated, lost, I cant think straight and I don't know what to do. The car company are going to take my car in 30 days, and I will owe all my debt I've ever paid. The fraudsters are still active and posting all over social media and I know another person this has happened to. I am so angry that they think they have got away with this as this is not how to treat people and is disgusting to treat your fans/followers in this way. What can I do?? Any advice would be highly appreciatedl.

Alter_ego

You gave your details to a stranger??

jonesMUFCforever

If it was an experienced poster I would..............................but!?

Hasbeen

CW2020 said:

     A famous music artist from London (Swarmz) advertised on his snapchat a guy who could help you make money. I thought I could trust this promotion and under pressure, naively handed my details over to the guy. The guy befriended me and manipulated me , he even went to lengths to say I was pretty and he would love to take me out. Long story short - He raised indemnity claims for all my direct debits from my car finance, my mobile phone and my debts that I had paid off to a total of over 6K in which I thought he was putting into my account in 'drips and drabs' from a legitimate business and then I was transferring it out to another account.  I feel completely violated, lost, I cant think straight and I don't know what to do. The car company are going to take my car in 30 days, and I will owe all my debt I've ever paid. The fraudsters are still active and posting all over social media and I know another person this has happened to. I am so angry that they think they have got away with this as this is not how to treat people and is disgusting to treat your fans/followers in this way. What can I do?? Any advice would be highly appreciatedl.

This is the Local Money Savings Board for Spotted a local bargain? Let local MoneySavers know!

Where is the local bargain? Certainly not swarmzy? not exactly famous artist. 

Does not appear to be one at the moment?

Perhaps having an other look at the forum and decide where to post for advice on your "situation" Perhaps even the one for Debts?

soolin

I’ve moved this to the warnings board.

if this really is a scam that has happened to others it doesn’t really seem to be reported anywhere else and it all seems rather odd. If you have given access to your financial information and accounts to a third party and handed money over to them as well I can’t see how you are going to get any back at all. 

Are you suggesting that you reclaimed all your direct debits in line with this guarantee

“WHAT IS AN INDEMNITY CLAIM?

It is a claim made by the paying bank in respect of an incorrect Direct Debit being applied to a payers account. Remember an Indemnity claim is only a challenge of the payment method i.e the Direct Debit. You will still have a valid contract and therefore the payer still owes you the money.“

If so how did you intend to repay the money for the debts after it was reclaimed, how did the conman persuade you that these debts were magically not payable? 

SpreadableToast

If you gave someone complete access to your bank accounts, including passwords, memorable information and probably access to your debit card and mobile phone to set up a new payee, you deserve everything you get.
But I suspect as a new poster this is just a fairly bad trolling attempt.

nyermen

I would be very surprised if invoking the guarantee doesn't require someone at the bank to manually say ok each time (otherwise anyone in financial difficulty could see it as a way to grab some emergency cash).  With that in mind, I'd be very surprised if a bank "ok'd" the reversal of every DD ever, without requiring them to prove their identity pretty well. There's fishy-ness going on somewhere.

askeym

When do schools open? I hope it's soon.

k12479

CW2020 said:

...I thought he was putting into my account in 'drips and drabs' from a legitimate business and then I was transferring it out to another account. 

Difficult to make sense of, but assuming it's true, this bit sounds like the poster may have been a money mule. Perhaps with the substitution/addition of Snapchat guy reclaiming direct debits and shipping those out as well/instead.

Blackbeard_of_Perranporth

CW2020 said:

     A famous music artist from London (Swarmz) advertised on his snapchat a guy who could help you make money. I thought I could trust this promotion and under pressure, naively handed my details over to the guy. The guy befriended me and manipulated me , he even went to lengths to say I was pretty and he would love to take me out. Long story short - He raised indemnity claims for all my direct debits from my car finance, my mobile phone and my debts that I had paid off to a total of over 6K in which I thought he was putting into my account in 'drips and drabs' from a legitimate business and then I was transferring it out to another account.  I feel completely violated, lost, I cant think straight and I don't know what to do. The car company are going to take my car in 30 days, and I will owe all my debt I've ever paid. The fraudsters are still active and posting all over social media and I know another person this has happened to. I am so angry that they think they have got away with this as this is not how to treat people and is disgusting to treat your fans/followers in this way. What can I do?? Any advice would be highly appreciatedl.

Do not give your money to people who promise millions but you would not trust to swing your cat!

mattyprice4004

I can't even. No one is this daft, at least make it believable