Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • twizzzt
    • By twizzzt 7th Feb 18, 3:38 PM
    • 17Posts
    • 4Thanks
    twizzzt
    money mule help
    • #1
    • 7th Feb 18, 3:38 PM
    money mule help 7th Feb 18 at 3:38 PM
    Right, I am not asking for forgiveness or criticism I know what I have done is dumb and stupid I know that I have potentially messed up my future but here is my story:

    I am 17 and was duped into a money mule scheme online I have been threatened and blackmailed by fraudsters who have my details, but here is where the story starts over 2 weeks ago I accepted a payment of 3k and to transfer the funds to another account by some hoax story claiming the money came from some sort of worker at the bank, I said to the guy that I did not want to do it over the phone he said the money had already been sent to my account and that I could not back out of it then threats insinuated and I did the job the next day

    my hsbc has now been temporarily frozen for over 2 weeks with no one notifying me which I know isn't a requirement on the banks part however they have not raised any issues with me I assume this means my account is under investigation right now. I want to know any advice anyone has on this topic as I am young and have a bright fashion design career ahead of myself as I recently got accepted to one of the best fashion schools in the UK I want to know what action I should take and what will happen to my future as I have not been able to sleep or eat recently with this massive problem lingering over me.

    Many thanks for anyone that can advise me in what to do.
Page 1
    • camelot1971
    • By camelot1971 7th Feb 18, 3:54 PM
    • 683 Posts
    • 1,064 Thanks
    camelot1971
    • #2
    • 7th Feb 18, 3:54 PM
    • #2
    • 7th Feb 18, 3:54 PM
    You will go to prison for the rest of your life. Or nothing will happen. Or something in between.

    If this isn't school holiday nonsense then kiss goodbye to any form of banking for the next 6 years and if you have a history of being a money mule expect the police to take a serious interest in your affairs.
    • twizzzt
    • By twizzzt 7th Feb 18, 4:19 PM
    • 17 Posts
    • 4 Thanks
    twizzzt
    • #3
    • 7th Feb 18, 4:19 PM
    • #3
    • 7th Feb 18, 4:19 PM
    Thanks for the reply I have no history or any criminal offenses on my record and have never been in trouble with the law before
    • xylophone
    • By xylophone 7th Feb 18, 4:45 PM
    • 25,190 Posts
    • 14,836 Thanks
    xylophone
    • #4
    • 7th Feb 18, 4:45 PM
    • #4
    • 7th Feb 18, 4:45 PM
    You were duped/scammed/threatened and reported this yourself to the bank/the police?
    • Katiehound
    • By Katiehound 7th Feb 18, 4:58 PM
    • 4,271 Posts
    • 38,649 Thanks
    Katiehound
    • #5
    • 7th Feb 18, 4:58 PM
    • #5
    • 7th Feb 18, 4:58 PM
    and this is why I don't like Martin talking about setting up mule accounts.
    They have a totally different connotation.

    My advice?
    Go to the bank and the police now, if you haven't done so already
    Being polite and pleasant doesn't cost anything!
    If you found my posting helpful please hit the "Thanks" button!
    Many thanks

    2018 Wombling : Entrant 8 ..39 cc+.840mm(84p) + RK £3.07= £4.30
    • twizzzt
    • By twizzzt 7th Feb 18, 5:04 PM
    • 17 Posts
    • 4 Thanks
    twizzzt
    • #6
    • 7th Feb 18, 5:04 PM
    • #6
    • 7th Feb 18, 5:04 PM
    I have not gone to the banks or police as I am threatened if I !!!8220;snitch!!!8221;
    • xylophone
    • By xylophone 7th Feb 18, 5:34 PM
    • 25,190 Posts
    • 14,836 Thanks
    xylophone
    • #7
    • 7th Feb 18, 5:34 PM
    • #7
    • 7th Feb 18, 5:34 PM
    I have not gone to the banks or police as I am threatened if I !!!8220;snitch!!!8221;
    In these circumstances I think you need to go to the police.
    • colsten
    • By colsten 7th Feb 18, 5:37 PM
    • 8,993 Posts
    • 7,745 Thanks
    colsten
    • #8
    • 7th Feb 18, 5:37 PM
    • #8
    • 7th Feb 18, 5:37 PM
    It's the Police's job to protect you if you are being threatened by criminals. Even though you have also committed a criminal offence now.

    You are also likely to have "earned" yourself a 1st party fraud marker on CIFAS, which will prevent you from getting a bank account for many years. Your only slight hope would be if you could convince HSBC that they should give you another chance but don't rely on this happening.
    • Flobberchops
    • By Flobberchops 7th Feb 18, 6:34 PM
    • 704 Posts
    • 509 Thanks
    Flobberchops
    • #9
    • 7th Feb 18, 6:34 PM
    • #9
    • 7th Feb 18, 6:34 PM
    What personal details did you give to the scammers? At any rate it's likely they're not based in the UK and their threats are empty.

    Report the incident with https://www.actionfraud.police.uk/ and also volunteer the information with your bank. They may be unwilling to give you an update on the status of your account but it never hurts to demonstrate your willingness to cooperate. If you haven't done so already you should probably open an account with a different banking group as it's possible your existing bank won't want you as a customer after this.

    What you've done won't necessarily be deemed to be prosecutable criminal activity, so your future career isn't at great risk, but in terms of your ability to deal with banks it may hinder you. There are ways around this but it's a pain in the backside. Anyway, best of luck getting through this and moving on with your life.
    I work for a UK bank, but any comments made on this forum are solely my personal opinion. Caveat Emptor!
    • twizzzt
    • By twizzzt 7th Feb 18, 6:44 PM
    • 17 Posts
    • 4 Thanks
    twizzzt
    Thank you very much I currently use Santander as my other account and the fraudsters know my address and Steven actually located around 1hr drive from my address hence why I have been feeling so anxious
    • Samsung_Note2
    • By Samsung_Note2 7th Feb 18, 8:16 PM
    • 386 Posts
    • 159 Thanks
    Samsung_Note2
    I have not gone to the banks or police as I am threatened if I !!!8220;snitch!!!8221;
    Originally posted by twizzzt

    We know where you live..we know where you bank and yes we are watching you right now,be afraid..be very afraid.

    We are TV licensing and you do not have a valid license.


    If my appalling spelling offends you that much...dont read my posts.
    • Shakin Steve
    • By Shakin Steve 7th Feb 18, 8:28 PM
    • 1,403 Posts
    • 1,123 Thanks
    Shakin Steve
    Steady on people, we are dealing with a very frightened 17 year old here.


    Is there no one you can turn to for help and advice? What about your older relatives? Mum, dad, uncle, brother.........? I really don't expect you to be able to deal with this on your own, you must tell someone what has happened. Even if they don't have any immediate suggestions, you can talk it through with them and decide on a way forward. Good luck.
    I came into this world with nothing and I've got most of it left.
    • twizzzt
    • By twizzzt 7th Feb 18, 8:53 PM
    • 17 Posts
    • 4 Thanks
    twizzzt
    Steady on people, we are dealing with a very frightened 17 year old here.


    Is there no one you can turn to for help and advice? What about your older relatives? Mum, dad, uncle, brother.........? I really don't expect you to be able to deal with this on your own, you must tell someone what has happened. Even if they don't have any immediate suggestions, you can talk it through with them and decide on a way forward. Good luck.
    Originally posted by Shakin Steve
    No man I canít talk to anyone about this as i fear I have ruined my whole life at such an early age I feel there is only one way out of all this Iím so ashamed of myself
    • Shakin Steve
    • By Shakin Steve 7th Feb 18, 8:57 PM
    • 1,403 Posts
    • 1,123 Thanks
    Shakin Steve
    No man I canít talk to anyone about this as i fear I have ruined my whole life at such an early age I feel there is only one way out of all this Iím so ashamed of myself
    Originally posted by twizzzt
    You're letting it all get totally out of proportion. Talk to someone.....anyone, someone a bit older and wiser. They'll tell you what a plonker you've been, but your life is most definitely not ruined.
    I came into this world with nothing and I've got most of it left.
    • boo_star
    • By boo_star 7th Feb 18, 9:00 PM
    • 1,454 Posts
    • 806 Thanks
    boo_star
    No man I canít talk to anyone about this as i fear I have ruined my whole life at such an early age I feel there is only one way out of all this Iím so ashamed of myself
    Originally posted by twizzzt
    You need to talk to your parents and go to the Police.
    • twizzzt
    • By twizzzt 7th Feb 18, 9:01 PM
    • 17 Posts
    • 4 Thanks
    twizzzt
    You're letting it all get totally out of proportion. Talk to someone.....anyone, someone a bit older and wiser. They'll tell you what a plonker you've been, but your life is most definitely not ruined.
    Originally posted by Shakin Steve
    Id like you thank you very much for being kind and helpful I feel trapped
    • Katiehound
    • By Katiehound 7th Feb 18, 9:12 PM
    • 4,271 Posts
    • 38,649 Thanks
    Katiehound
    Id like you thank you very much for being kind and helpful I feel trapped
    Originally posted by twizzzt
    Well, I'm thinking you should phone Samaritans and get some advice.
    Or at 17 are you legally a minor (or not these days??) Childline?
    Tomorrow can you go to Citizens Advice?
    Pastoral care at school or college?

    Yes, this is serious but think what you can do that is positive, not negative.
    Last edited by Katiehound; 07-02-2018 at 9:14 PM.
    Being polite and pleasant doesn't cost anything!
    If you found my posting helpful please hit the "Thanks" button!
    Many thanks

    2018 Wombling : Entrant 8 ..39 cc+.840mm(84p) + RK £3.07= £4.30
    • rhosynbach
    • By rhosynbach 7th Feb 18, 9:17 PM
    • 7,560 Posts
    • 117,337 Thanks
    rhosynbach
    Id like you thank you very much for being kind and helpful I feel trapped
    Originally posted by twizzzt
    Don't let them make you feel like this, that is there plan to target young naive people and scare them. My dd has worked with several people in similar situation than you, the first step was telling the thread you obviously want help. Now tell someone you can trust then get them to go to the bank and police with you. If you come forward now it will be fine the police will protect you, We are not talking of huge amounts of money going through your account just one silly mistake. GET HELP GET IT SORTED AND PUT IT BEHIND YOU XXX
    • twizzzt
    • By twizzzt 7th Feb 18, 9:47 PM
    • 17 Posts
    • 4 Thanks
    twizzzt
    Don't let them make you feel like this, that is there plan to target young naive people and scare them. My dd has worked with several people in similar situation than you, the first step was telling the thread you obviously want help. Now tell someone you can trust then get them to go to the bank and police with you. If you come forward now it will be fine the police will protect you, We are not talking of huge amounts of money going through your account just one silly mistake. GET HELP GET IT SORTED AND PUT IT BEHIND YOU XXX
    Originally posted by rhosynbach
    I feel too much of a criminal and I have always over thought things in the past way too much to the point I throw up right now Iím in such a state I canít seem to make sense of it but only filled with such self hatred for myself
    • SevenOfNine
    • By SevenOfNine 7th Feb 18, 10:19 PM
    • 1,259 Posts
    • 1,215 Thanks
    SevenOfNine
    Have you been reading the newspaper today, before joining MSE.....today!
    http://www.dailymail.co.uk/money/beatthescammers/article-5359931/How-university-students-targeted-money-mules.html
    Seen it all, done it all, can't remember most of it.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,234Posts Today

8,106Users online

Martin's Twitter
  • Facebook today admitted in parliament that after it heard of my defamation lawsuit against it for 50 fake scam ads? https://t.co/XttOnyH9sq

  • RT @jamiesusskind: After more than 10 years, and with such sadness, I am leaving Labour. I'm doing it for the same reason that I joined: be?

  • RT @Deeangelique_: I suggested @MartinSLewis get 'I Don't Do Ads' tattooed to his forehead yesterday. Today he posted this. I gave Martin L?

  • Follow Martin