I got a CIFAS for receiving £85 for jackets

Ayr_Rage

First it was £85, now it's £80.

You paid him £50 for a jacket, which he didn't give you..

You raised a dispute which froze his account.

You accepted £80 (or £85) from a third party on his behalf for another transaction, but who knows if he supplied those goods.

You are now £30 (35) up, so you actually owe him money.

Sounds eminently kosher.

mintyjelly447

Ayr_Rage said:

First it was £85, now it's £80.

You paid him £50 for a jacket, which he didn't give you..

You raised a dispute which froze his account.

You accepted £80 (or £85) from a third party on his behalf for another transaction, but who knows if he supplied those goods.

You are now £30 (35) up, so you actually owe him money.

Sounds eminently kosher.

I think you misunderstood what I said

mintyjelly447

Ayr_Rage said:

First it was £85, now it's £80.

You paid him £50 for a jacket, which he didn't give you..

You raised a dispute which froze his account.

You accepted £80 (or £85) from a third party on his behalf for another transaction, but who knows if he supplied those goods.

You are now £30 (35) up, so you actually owe him money.

Sounds eminently kosher.

To summarise he took £50 from me for a jacket, which I disputed becuase he never gave it to me, he told me he was unable to give it to me and would refund what I paid him initially, he then said that due to me disputing his card could I receive £85 for him and send it to him when he opens a new account, to which I did. After this my account got shut and I received a misuse of facility marker.

mintyjelly447

mintyjelly447 said:

Ayr_Rage said:

First it was £85, now it's £80.

You paid him £50 for a jacket, which he didn't give you..

You raised a dispute which froze his account.

You accepted £80 (or £85) from a third party on his behalf for another transaction, but who knows if he supplied those goods.

You are now £30 (35) up, so you actually owe him money.

Sounds eminently kosher.

To summarise he took £50 from me for a jacket, which I disputed becuase he never gave it to me, he told me he was unable to give it to me and would refund what I paid him initially, he then said that due to me disputing his card could I receive £85 for him and send it to him when he opens a new account, to which I did. After this my account got shut and I received a misuse of facility marker.

On top of this, he never gave me my £50 back for the jacket that I never received

Ayr_Rage

mintyjelly447 said:

Ayr_Rage said:

mintyjelly447 said:

moneytorques said:

Found this statement from the Financial Ombudsman  on a similar case to the OP.

CIFAS is a fraud prevention membership organisation with a large database. Members, such as Monzo, register markers against individuals, and can view information recorded by other members. Before a member can record a marker, they have to satisfy a high standard of proof, and set standards. These standards include a requirement that there are reasonable grounds to believe that a fraud or financial criminal offence has been committed or attempted. That evidence must be clear, relevant and rigorous such that the member could confidently report the conduct to the police.

I found the case you're referring to. Judging from it, she actually knew she was doing something fraudulent and received many payments whilst benefitting from it. In my case, I was not benefitting from it and I was simply trying to be helpful to my friend. 

Which still begs the question as to why your friend did not want the funds sent directly to them or why they did not have an account for receiving them.

Basically, initially I bought a jacket from him for £50, which he said he'd meet me and then give it to me. He never gave it to me and I was messaging him over and over and he wasn't responding so I filed a dispute. He then explained to me that he was busy so was unable to meet me and said he'd give me my money back. Since he was my friend and I had been good to him over the years, I believed him and then that is when he asked me if I could take the £80 on his behalf because me disputing my payment meant he couldn't use his. So that is when I took it. I also never got my money back btw til this day and so I decided to report him to action fraud today.

Read what you wrote.

You paid £50 for a jacket you didn't get and asked for a refund which you have never received.

You accepted £80 on his behalf.

You are £30 up !

Edit : Finally you have said you laundered the £80 by sending it back to him.

mintyjelly447

Ayr_Rage said:

mintyjelly447 said:

Ayr_Rage said:

mintyjelly447 said:

moneytorques said:

Found this statement from the Financial Ombudsman  on a similar case to the OP.

CIFAS is a fraud prevention membership organisation with a large database. Members, such as Monzo, register markers against individuals, and can view information recorded by other members. Before a member can record a marker, they have to satisfy a high standard of proof, and set standards. These standards include a requirement that there are reasonable grounds to believe that a fraud or financial criminal offence has been committed or attempted. That evidence must be clear, relevant and rigorous such that the member could confidently report the conduct to the police.

I found the case you're referring to. Judging from it, she actually knew she was doing something fraudulent and received many payments whilst benefitting from it. In my case, I was not benefitting from it and I was simply trying to be helpful to my friend. 

Which still begs the question as to why your friend did not want the funds sent directly to them or why they did not have an account for receiving them.

Basically, initially I bought a jacket from him for £50, which he said he'd meet me and then give it to me. He never gave it to me and I was messaging him over and over and he wasn't responding so I filed a dispute. He then explained to me that he was busy so was unable to meet me and said he'd give me my money back. Since he was my friend and I had been good to him over the years, I believed him and then that is when he asked me if I could take the £80 on his behalf because me disputing my payment meant he couldn't use his. So that is when I took it. I also never got my money back btw til this day and so I decided to report him to action fraud today.

Read what you wrote.

You paid £50 for a jacket you didn't get and asked for a refund which you have never received.

You accepted £80 on his behalf.

You are £30 up !

Which I sent to him on his new account I am not up I lost £50 because he never gave me my money back, and I sent him the money that was sent to me.

mintyjelly447

Ayr_Rage said:

mintyjelly447 said:

Ayr_Rage said:

mintyjelly447 said:

moneytorques said:

Found this statement from the Financial Ombudsman  on a similar case to the OP.

CIFAS is a fraud prevention membership organisation with a large database. Members, such as Monzo, register markers against individuals, and can view information recorded by other members. Before a member can record a marker, they have to satisfy a high standard of proof, and set standards. These standards include a requirement that there are reasonable grounds to believe that a fraud or financial criminal offence has been committed or attempted. That evidence must be clear, relevant and rigorous such that the member could confidently report the conduct to the police.

I found the case you're referring to. Judging from it, she actually knew she was doing something fraudulent and received many payments whilst benefitting from it. In my case, I was not benefitting from it and I was simply trying to be helpful to my friend. 

Which still begs the question as to why your friend did not want the funds sent directly to them or why they did not have an account for receiving them.

Basically, initially I bought a jacket from him for £50, which he said he'd meet me and then give it to me. He never gave it to me and I was messaging him over and over and he wasn't responding so I filed a dispute. He then explained to me that he was busy so was unable to meet me and said he'd give me my money back. Since he was my friend and I had been good to him over the years, I believed him and then that is when he asked me if I could take the £80 on his behalf because me disputing my payment meant he couldn't use his. So that is when I took it. I also never got my money back btw til this day and so I decided to report him to action fraud today.

Read what you wrote.

You paid £50 for a jacket you didn't get and asked for a refund which you have never received.

You accepted £80 on his behalf.

You are £30 up !

Edit : Finally you have said you laundered the £85 by sending it back to him.

Maybe, you misunderstood what I said but how did I launder if I received money with the references that said jacket 

Hoenir

You transferred your friend £50. Later you disputed this payment. Your friend's account was then frozen. 

I'm surprised by this. 

You receive £85 from an unknown source. 

Your account gets frozen. 

The National Crime Agency and major UK banks share data to identify and combat money laundering and other financial crimes. Simply being party to involvement in such activities even innocently . Has severe consequences. 

mintyjelly447

Hoenir said:

You transferred your friend £50. Later you disputed this payment. Your friend's account was then frozen. 

I'm surprised by this. 

You receive £85 from an unknown source. 

Your account gets frozen. 

The National Crime Agency and major UK banks share data to identify and combat money laundering and other financial crimes. Simply being party to involvement in such activities even innocently . Has severe consequences. 

So what do I do, I simply was trying to be helpful do you think I can appeal it?

Ayr_Rage

@mintyjelly447 you were just the middleman in the £80 transaction, you were never the owner of a jacket that was sold.

If you had been smart you would have just sent your friend £30 as they owed you for the jacket they didn't supply.

We can go on all day and night, but as there is now a disputed payment into the mix along with suspected money laundering then I don't think you have any chance of getting the marker removed.

Just my opinion.

@Hoenir it could have been a Paypal account that was frozen due to the dispute.