Godlike Productions - Discussion Forum
Users Online Now: 2,180 (Who's On?)Visitors Today: 393,045
Pageviews Today: 652,716Threads Today: 223Posts Today: 4,068
08:50 AM


Rate this Thread

Absolute BS Crap Reasonable Nice Amazing
 

Bank want me to repay a bounced cheque scam! Do I have to?

 
some bloke in england
User ID: 397927
United Kingdom
03/23/2008 02:05 AM
Report Abusive Post
Report Copyright Violation
Bank want me to repay a bounced cheque scam! Do I have to?
The Abbey Bank I used to be with are demanding..! or else..! that I pay back ALL this cash to cover a bounced cheque, even tho' I was the victim of a Nigerian criminal scam!
I'm wise to it now of course.. so it won't happen again. I'd been selling computer equipment in LOOT, a 'free' ads newspaper, when this 'person' sent me a £3000 cheque to me. The bastard was on the phone every 5 minutes about me putting this cheque in, so I went to the police. The police didn't want to know. This guy was threatening me, he knew where I lived of course. I put in the cheque to wait for it to 'clear' then I was to send him the cash via Western Union Money Transfer. He said I could keep a couple of hundred pounds.. then I would be 'safe' from any 'Physical' harm. He obviously did not want the computer equipment. I couldn't get out of it. I'd gone to the bank, police & legal-aid centre for advice, but they simply didn't want to 'know,' even tho' I'd recorded & kept ALL the evidence & correspondence & violent threats. This bastard was on the phone every 5 minutes, but I insisted I wanted nothing to do with it, & that he'd get his money back once the cheque had 'cleared.' I waited till the cheque cleared, took it out, then sent him the money, keeping a couple of hundred for myself. I thought to myself.. 'What the bleedin 'ell have I got myself into?' I'd already tried to check via the shipping company that it was legit, as any 'Headings' seem to be marked 'official.' I told the band this, but they didn't want to know. Anyway, I DID.. ask the Abbey Bank 'had..?!' the cheque cleared, as there was 'no-way' I'd take the money out. They said it had cleared, so I took the hard cash out, meanwhile.. this moron is threatening to send 'men' around to my address, or else. I told the bank, went back to the police & legal Aid solicitors. Again, they were absolutely NOT remotely interested, even tho' I had a pile of documents with me, even saved on CD. So, I sent the bastard his money. The next thing.. a few days later.. the cheque came back bounced.. apparently from Northern Ireland.. stinking of an Irish Paramilitary involvement. I was getting very scared by now, scarred to answer the door. I've been putting off paying back the money, I mean.. £3000 ..plus interest of another £200 is a lot of money.. esp: as I'm not working.
In the meanwhile I'm getting 'hassle' again from the bastards who ripped me off, this time they're posing as 'Nigerian Police.' They said they'd arrested the scammer, & had all my money, my address..everything.. & that I was to send them hundreds of pounds to recover my money. Huhh.. yeah right! obviously yet 'another' Scam!! I checked out the email & details with the Nigerian embassy who said ignore it..it's false.. so I went to the police again. The Police told me to 'piss off!' Yes!!! the British Police, told me to 'piss off!!' & that it wasn't anything to do with them..
Now the Abbey Bank is threatening to send round Baliffs to remove me from my home, take all my belongings.. I just dunno where to turn to for help. I've tried to get help from the authoriites who don't want to get involved.

Are there any Law Experts out there who can help? I am, tho' very reluctantly.. willing to pay so much a month, whatever I can afford.. but they want more! Legal Aid is a waste of time, cos none of the Solicitors can speak a word of English & show no interest at all. They just don't bother. I went to the police & bank again, but again.. no co-operation. The bastards who did this to me know who I am, got all my bank details, tho' I've changed my phone number several times.. & I've changed my bank.. but they still have my old email address, where they're threatening to send round some unwanted visitors unless I contact them. I'm in despair here.. What am I supposed to to? It's not my fault, tho' I'm wise to the scam now. I blame the bank for telling me the cheque was 'clear' when it 'obviously' wan NOT clear. I don't want either baliffs in my flat, OR, some criminal hard men demanding 'more' cash! & kicking my door in.
Is anyone else going thru this.. Can anyone here in London give me some 'free' advice and/or help.. please..?!!
I'm Desperate!!
Corky
User ID: 398026
Australia
03/23/2008 05:17 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
What a bunch of BS! Go get a job, Braindead!
Anonymous Coward
User ID: 383039
United States
03/23/2008 05:28 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
What a bunch of BS! Go get a job, Braindead!
 Quoting: Corky 398026

jobs are for sheep, steer clear!
Anonymous Coward
User ID: 384651
Australia
03/23/2008 07:13 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
It does sound a bit dramatic and it's the first of this type that I've heard of.

Do you have an overdraft available with your bank ? If not, how did they come to allow you to withdraw the money ? (That's what you need to ask the bank)

If you have documentation of your tipping of the bank & police ,etc, you *should* be fine in a court of law.

But then again, your number may just be up, no one can stop that.
Anonymous Coward
User ID: 395085
United States
03/23/2008 07:24 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
yes , that scam has been around for some time and yes you are responsible to pay the bank.
some bloke in england (OP)
User ID: 397927
United Kingdom
03/23/2008 08:09 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
It does sound a bit dramatic and it's the first of this type that I've heard of.

Do you have an overdraft available with your bank ? If not, how did they come to allow you to withdraw the money ? (That's what you need to ask the bank)

If you have documentation of your tipping of the bank & police ,etc, you *should* be fine in a court of law.

But then again, your number may just be up, no one can stop that.
 Quoting: Anonymous Coward 384651


No.. I didn't have an overdraft facility with the bank. I knew I'd got myself in the shit. I did try to tell the police about the dodgy cheque, but their response was 'it's not our problem!' The police said about 50 people a day here in London alone are caught out like this in scams, mostly Nigerian, & that there is nothing they can do about it. So, Nigerians just do as they like eh. I did see a documentary on TV recently showing up the scams, using hidden cameras.. where thee reporters would corner the 'scammers' in an Internet cafe in Lagos in Nigeria. Usually when caught, AK47 assault rifles appeared threatening the reporters & camera crew. The Nigerian police say they go after them, usually heavily armed, but that they were mostly powerless to stop it. I was shocked when I found out that UK, Europeans & Americans are ripped off every day.. by Internet scams.. usually tens of thousands of pounds, dollars or Euros. Some people said they went to the police after threats, but nothing happened. The police won't do ANYTHING about it!

The banks don't give a shit! The girl who gave me the money over the counter was only 17, a trainee teller.. cheeky little bitch too! She said the cheque 'HAD' cleared..!
I'll be phoning up the debt collection people on Tuesday, the ones demanding payment back. I'll explain it all, but I know I've no chance. I am considering letting it go to court, but am afraid I'll end up in a worse situation than I'm already in. At least they've stopped the 'interest.' I'll offer to pay back the money at like £10 or so a month. It is my fault at the end of the day for accepting the cheque. I should have ripped it up, but then I was being physically threatened if I didn't pay the cheque into my account. The cheque was from LondonDerry in Northern Ireland, which means that Irish Paramilitary Terrorists might be involved.. I just .. don't know. But, they do know where I live! I can't get over the 'couldn't care less' attitude by the Police, The Bank or Legal Aid.. I can't understand how they let this happen. What am I to do..?! I do have access.. 'in theory' to free legal aid, but the waiting list to see an advisor is nearly one year. I saw 2 advisors, but they could 'barely' speak any.. English. I wish I could find an English solicitor, then I'd be able to get some fruitful advice.
Do I offer to pay a 'little' every week, till it's all paid. I've got enough 'debts' to pay as it is. The only reason I'm not working, is cos I've been having medical treatment, which is 'nearly' over. I'll be well enough next month to look for work, once my medical treatment is all done.
It's bloody scandalous that these criminals/terrorists can run around threatening people.. they're doing it to dozens of people every day. People have had to sell their houses, after being blackmailed for 1000s of pounds. I mean, I was ripped off at £3000, well.. £3,125.. but people are being forced to pay 10 & even 100s of thousands of pounds. This scum are also targeting pensioners, people who are sick, out of their life savings.. & nothing is being done about it. I tell you what.. I bloody 'HATE' Nigerians!! I hate them! I want to know what the Northern Irish involvement is? Are Irish Terrorists working with these scummy Nigerians to raise money?! Why won't the police take me seriously?!!

So, what do I do? Battle it out in the courts & hope for the best? Try to get them to 'cancel..?' the debt, by blaming & holding the Abbey National Bank accountable?
Or do I agree to pay a little by week, till I start work again in a few weeks, then of course I can pay more then.?

Any advice? Are there any Solicitors around West London reading this, who can HELP?

Apart from the money, I don't like the fact that this scum knows where I live. These people are evil & dangerous..!!
Anonymous Coward (OP)
User ID: 397927
United Kingdom
03/23/2008 08:12 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
What a bunch of BS! Go get a job, Braindead!
 Quoting: Corky 398026


Fuck you.. retard! I do work, but have been off getting much needed medical treatment, am not afraid to work. I start work again soon anyway. I bet you're Nigerian .. are you..
Anonymous Coward
User ID: 384651
Australia
03/23/2008 08:57 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
Here's what you do:

Step 1 - drop any ideas you have at the moment for paying any more for this.

Step 2 - Just for the excercise, imagine the debt collection people are the ones who sent you the cheque, rang you, threatened you, got the money off you and now are going for a double dip. P!ssed yet? Well that's how your wallet sees it.

I worked for an Australian subsidiary of Health and Home Shopping for a while and quickly learned the business model for identifying then commencing extraction of money from people who through a peculiarity in their capacity for imagination, are much more susceptible to the right suggestions than the other 90% of the community.

If your debt collection people didn't initiate this then they are at least painfully aware of your personality type and the fact they can manipulate you into paying.

Step 3 - Use the debt collection people's business model against them. They only pursue you because it's profitable. 3K really isn't much to make a proffit on when you're paying lawyers to show up in court and stuff.

Let them know it's not your responsibility and you wont be paying. The bank cleared the funds, they are responsible. If they hired a two year old who couldn't even read your balance before handing out your money, if you took it in good faith, you have fulfilled your responsibility. Their business practices are their own lookout.

You will be threatened. Experience has shown you will cave and it costs next to nothing. Answer each of their threats with a description of how it will cost them and not you.

Them: "We'll take you to court"
You: "Cool, being unemployed is so boring I could use the trip. Especially since I'll be instructing my counsel to recoup all legal cost from your company when you lose"

Them: (Some show stopper that just blows you away)
You: "Look, I'm a strawman. Do you know what that is ? Do you want to qrite it down so you can look it up ? I will go bankrupt before you get one red penny."

(Look up strawman [link to www.google.com.au]

Only if everything else fails should you look at maybe paying. Keep in mind, our rich and elite get away with not paying back outstanding debts ALL THE TIME. You can too.

Whether it's a slam dunk or not, you still have a 50-50 chance once you enter the courtroom.

(Disclaimer - IANAL. Just some guy in Australia who has always gotten away without paying his corporate financiers.)
Anonymous Coward (OP)
User ID: 397927
United Kingdom
03/23/2008 09:16 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
Here's what you do:

Step 1 - drop any ideas you have at the moment for paying any more for this.

Step 2 - Just for the excercise, imagine the debt collection people are the ones who sent you the cheque, rang you, threatened you, got the money off you and now are going for a double dip. P!ssed yet? Well that's how your wallet sees it.

I worked for an Australian subsidiary of Health and Home Shopping for a while and quickly learned the business model for identifying then commencing extraction of money from people who through a peculiarity in their capacity for imagination, are much more susceptible to the right suggestions than the other 90% of the community.

If your debt collection people didn't initiate this then they are at least painfully aware of your personality type and the fact they can manipulate you into paying.

Step 3 - Use the debt collection people's business model against them. They only pursue you because it's profitable. 3K really isn't much to make a proffit on when you're paying lawyers to show up in court and stuff.

Let them know it's not your responsibility and you wont be paying. The bank cleared the funds, they are responsible. If they hired a two year old who couldn't even read your balance before handing out your money, if you took it in good faith, you have fulfilled your responsibility. Their business practices are their own lookout.

You will be threatened. Experience has shown you will cave and it costs next to nothing. Answer each of their threats with a description of how it will cost them and not you.

Them: "We'll take you to court"
You: "Cool, being unemployed is so boring I could use the trip. Especially since I'll be instructing my counsel to recoup all legal cost from your company when you lose"

Them: (Some show stopper that just blows you away)
You: "Look, I'm a strawman. Do you know what that is ? Do you want to qrite it down so you can look it up ? I will go bankrupt before you get one red penny."

(Look up strawman [link to www.google.com.au]

Only if everything else fails should you look at maybe paying. Keep in mind, our rich and elite get away with not paying back outstanding debts ALL THE TIME. You can too.

Whether it's a slam dunk or not, you still have a 50-50 chance once you enter the courtroom.

(Disclaimer - IANAL. Just some guy in Australia who has always gotten away without paying his corporate financiers.)
 Quoting: Anonymous Coward 384651


Thanks.. maybe I will take your advice. I did offer to go bankrupt, but was told I'd have to pay £300 up front, even tho' I don't have that sort of money. I don't care about going bankrupt, am willing to do that. Nearly every broke student in University who took out loans, are going bankrupt cos they can't repay their student loans.. so it's no big deal any more. I'll keep ya posted on how I get on. Cheers!
Anonymous Coward
User ID: 221498
United States
03/23/2008 09:28 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
You're obviously intelligent enough to have seen all the red flags associated with this check. What I don't understand is how you were weak enough to deposit the check despite the red flags. Because the police and the bank wouldn't stand behind you, you gave up and allowed yourself to be scammed.
alien kiss
User ID: 397621
United Kingdom
03/23/2008 09:34 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
Also a Londoner ! These scams are disgusting and you are right they target the elderly, pensioners robbed via postal, snail mail scams that cannot be touched...Oh how we would like to, 'touch them'.

Have a look at debtwizard.com also another site

Free Debt Wizard / Debt Free Me / Independent Debt Counsellors ...Debt Free Me offer a network of Fully Trained Independent Debt Counsellors authorised by the Office Of Fair Training.Call us on 0800 731 7973 Help with your ...

debtfreeme.info

DO NOT PAY UP

Good Luck
Bendude NLI
User ID: 384651
Australia
03/23/2008 09:34 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
Thanks.. maybe I will take your advice. I did offer to go bankrupt, but was told I'd have to pay £300 up front, even tho' I don't have that sort of money. I don't care about going bankrupt, am willing to do that. Nearly every broke student in University who took out loans, are going bankrupt cos they can't repay their student loans.. so it's no big deal any more. I'll keep ya posted on how I get on. Cheers!
 Quoting: Anonymous Coward 397927


You probably don't even need to go bankrupt. I never have.
Anonymous Coward
User ID: 397621
United Kingdom
03/23/2008 09:38 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
Anonymous Coward
User ID: 221498
3/23/2008 9:28 AM

WHY WAS HE WEAK?

BECAUSE HE WAS INTIMIDATED !!!
Anonymous Coward
User ID: 353013
United States
03/23/2008 09:52 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
I've had several stressful debt situations in my life. When you look back on them they don't seem as bad as when you are in the middle of it, so hold on to that thought as you are going through this.

The one thing those conmen don't want is the attention of the law. Obviously your local police are in a state of overwhelm and don't feel motivated to help you. My recommendation is to file a lawsuit against everyone involved. This puts you in a better position of power.

You have been turned into (some would say 'volunteered to be') a victim at this point. Take back the reins of control and file civil suit against your bank and all its agents, the original conmen, the collection agency, your local police force (jointly and severally), the city of London, and whoever else you can think of. You don't need to follow through on any of it if you don't want to, but once you file suit, YOU are in the catbird seat. It should cause a change in attitude, at the very least.

Hopefully you will see this as an important part of your education. You can't go through life letting people push you around.

In the US, if someone is known as a professional (as a banker would be), they carry a GREATER responsibility for the knowledge and actions, as they have PLACED themselves in a position where ordinary people can reasonably expected to RELY on their PROFESSIONAL EXPERTISE. If you as an ordinary citizen relied on the PROFESSIONAL BANKER to tell you that the check had CLEARED, the onus is on THEM, not you!

You need legal representation, and for pity's sake, find a GOOD lawyer.
Anonymous Coward
User ID: 395846
United Kingdom
03/23/2008 09:53 AM
Report Abusive Post
Report Copyright Violation
Re: Bank want me to repay a bounced cheque scam! Do I have to?
NOBODY in life will ever give you something for nothing. The police probably don't have a procedure to deal with this and are thus unable to work out how this is a crime and how to prosecute it. The fact that they admit to numbers of people getting ripped off is interesting because it implies an undercurrent of allowable lawlessness to cover general ineptitude.

I wish people exercised a little more common sense when reading email but they are taken in by their own greed.

It has been well known for years about Nigerian money scams, all you had to do was google a phrase from the email to find out what it was all about instead of thinking that some desperate fraudster wants to go into some shady deal with you.

How to help you? I don't think there is a way to get you out of this conventionally. You're just going to have to ride it out, minimising the damage as you go along.... I hope someone else comes up with a better solution for you. I really do.





GLP