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I got a CIFAS for receiving £85 for jackets
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Kim_13 said:mintyjelly447 said:MrFrugalFever said:An interesting read here, with many comments that seemingly change the facts as you read on through the thread.
TheBanker has literally got it spot on and summarised exactly what has happened here (extrapolating the information supplied by the OP).
Sorry OP but you only have yourself to blame, the first and only red flag was the 'not received my jacket that I paid £50 for'.
He had demonstrated to you that he could not be trusted via not delivering the jacket or refunding. If you accept a payment into your bank that isn't for you, you essentially vouch for it being legitimate. Given he did not deliver your jacket, it should have been obvious that he would not deliver anyone else's and therefore he was not entitled to the money you accepted into your account any more than he was entitled to the money you paid him - you obviously agree with that, having opened the dispute. No one is going to agree that it is acceptable to facilitate ripping someone else off in order to recover your own money which is essentially what it boils down to. Your conduct was characteristic of money laundering and money mules receive CIFAS markers for misuse of facility.0 -
TheBanker said:mintyjelly447 said:MrFrugalFever said:An interesting read here, with many comments that seemingly change the facts as you read on through the thread.
TheBanker has literally got it spot on and summarised exactly what has happened here (extrapolating the information supplied by the OP).
Sorry OP but you only have yourself to blame, the first and only red flag was the 'not received my jacket that I paid £50 for'.
You may be naive and I suspect you are young, but you have to take responsibility for your actions. Having been defrauded yourself by this friend, you decided to help him defraud someone else. Can't you see this is wrong? I love my best friend as though he is my brother, but if he asked me to help him commit a crime I would say no.
The CIFAS marker is not some kind of punishment. It is a matter of fact recording that you allowed your bank account to be used for criminal activity. Its intention is to warn other banks that you pose a high risk if they open accounts for you.0 -
teaselMay said:You've said a few times OP that you've helped this friend a lot, does that include financially? Are your finances more entangled than just this one fraudulent transaction that you've told us about?0
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Thank you guys for the replies by the way, I've been busy lately so I have been unable to view all of them, thanks to those that are giving me advice as well very much appreciated.0
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Eyeful said:mintyjelly447 said:The thing is it was not a random guy that I received the money from, it was literally someone that I had been friends with and had helped so much so I just thought that taking the £85 and sending it to him would be fine. But yeah I was naive an it's landed me in trouble, I, however don't think I should have got a CIFAS marker
Then you send the £80 on to someone.
This does sound like the way "money mules" work.
You had already reported one of the persons for not providing you with a jacket you paid £50 for!
Persons cannot say they have never heard of "Money Mules",
I have seen warnings on TV & in the press about how they operate & consequence's when caught.
I understand there are also warnings on social media about them.
1. How long had you known the person before this insistent occurred?
2. What ways did your " helped so much " take?
3. Banks do not normally take notice of such small sums. So, have you done any "financial favours" you have not mentioned?
4. Why did you not deduct the £50 they owed you & send them £30?
5. You do not think you should have got a CIFAS marker. So what do you think should have happened to you?
2. Helped so much as in like buying lunch for him virtually almost daily
3. No I hadn't previously done any financial favours
4. I was not thinking at the time as I was out at the time this was all happening so I would say I wasn't really thinking
5. I don't think that I should have gotten anything if I am being honest, this marker literally prevents me from receiving any student loans or payments for the next 2 years, which I think is quite unfair, as I did not intend to defraud anybody and I reckon he got away with it if I was a money mule or defrauded somebody. Reading the other comments I do understand where I went wrong though.0 -
kaMelo said:What I struggle to understand is that, as a really good friend, why not just go and speak to them. (give me the jacket or my money back) No need to involve the bank at all.0
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mintyjelly447 said:
2. Helped so much as in like buying lunch for him virtually almost daily
3. No I hadn't previously done any financial favours
Has this been a largely one-way support?2 -
Grumpy_chap said:mintyjelly447 said:
2. Helped so much as in like buying lunch for him virtually almost daily
3. No I hadn't previously done any financial favours
Has this been a largely one-way support?0 -
mintyjelly447 said:Eyeful said:mintyjelly447 said:The thing is it was not a random guy that I received the money from, it was literally someone that I had been friends with and had helped so much so I just thought that taking the £85 and sending it to him would be fine. But yeah I was naive an it's landed me in trouble, I, however don't think I should have got a CIFAS marker
Then you send the £80 on to someone.
This does sound like the way "money mules" work.
You had already reported one of the persons for not providing you with a jacket you paid £50 for!
Persons cannot say they have never heard of "Money Mules",
I have seen warnings on TV & in the press about how they operate & consequence's when caught.
I understand there are also warnings on social media about them.
1. How long had you known the person before this insistent occurred?
2. What ways did your " helped so much " take?
3. Banks do not normally take notice of such small sums. So, have you done any "financial favours" you have not mentioned?
4. Why did you not deduct the £50 they owed you & send them £30?
5. You do not think you should have got a CIFAS marker. So what do you think should have happened to you?
2. Helped so much as in like buying lunch for him virtually almost daily
3. No I hadn't previously done any financial favours
4. I was not thinking at the time as I was out at the time this was all happening so I would say I wasn't really thinking
5. I don't think that I should have gotten anything if I am being honest, this marker literally prevents me from receiving any student loans or payments for the next 2 years, which I think is quite unfair, as I did not intend to defraud anybody and I reckon he got away with it if I was a money mule or defrauded somebody. Reading the other comments I do understand where I went wrong though.0 -
ian1246 said:mintyjelly447 said:Eyeful said:mintyjelly447 said:The thing is it was not a random guy that I received the money from, it was literally someone that I had been friends with and had helped so much so I just thought that taking the £85 and sending it to him would be fine. But yeah I was naive an it's landed me in trouble, I, however don't think I should have got a CIFAS marker
Then you send the £80 on to someone.
This does sound like the way "money mules" work.
You had already reported one of the persons for not providing you with a jacket you paid £50 for!
Persons cannot say they have never heard of "Money Mules",
I have seen warnings on TV & in the press about how they operate & consequence's when caught.
I understand there are also warnings on social media about them.
1. How long had you known the person before this insistent occurred?
2. What ways did your " helped so much " take?
3. Banks do not normally take notice of such small sums. So, have you done any "financial favours" you have not mentioned?
4. Why did you not deduct the £50 they owed you & send them £30?
5. You do not think you should have got a CIFAS marker. So what do you think should have happened to you?
2. Helped so much as in like buying lunch for him virtually almost daily
3. No I hadn't previously done any financial favours
4. I was not thinking at the time as I was out at the time this was all happening so I would say I wasn't really thinking
5. I don't think that I should have gotten anything if I am being honest, this marker literally prevents me from receiving any student loans or payments for the next 2 years, which I think is quite unfair, as I did not intend to defraud anybody and I reckon he got away with it if I was a money mule or defrauded somebody. Reading the other comments I do understand where I went wrong though.0
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