My girlfriend got a call the other day from someone who works for Consumer Credit Services...now don't get this mixed up with CCCS, it's not the same place.
She calls me from work, says that she's been called by CCS and they can probably get her back any bank charges she's paid over the last few years. I said fair enough, get them to send the info, i'll take a look, if it's nonsense, we can just bin it.
Now, my girlfriend isn't an idiot but she can be a little naive. She has lived here in England about 4 years and still hasn't realised how many people/companies here will scam you for a litttle bit of money. They asked for her credit card details so they could "check" what money she is entitled to. They said they would hold them on file, if she was happy with the information they provided, she would be billed £199.99 and this would get refunded with any money they could claim back for her.
At no point did they say they would take the money straight away. Anyway, she gets home and explains a bit more to me. Sounds like a scam so I tell her to call them up and explain she's not interested and doesn't want to proceed.
She calls, get's through to a friendly person on the other end, they say no problem, they won't do anything further.
Yesterday I check the credit card online, there is a pending amount for £199.99 despite them saying they won't take anything.
Spent a while on google last night, this is a pretty well known scam, they take the money, keep offering refunds, saying cheques have been lost in the post, then every few months change their phone number. They also claim to be endorsed by the Ministry of Justice.
Here are a few links I found about this scam:
http://www.freeindex.co.uk/profile(consumer-credit-services)_225034.htm
http://forums.moneysavingexpert.com/showthread.html?t=2200023
The thing is that might stand in our favour here. She never actually authorised them to take the money, as far as she knew they were holding her details pending approval and wouldn't take any money until she ok'd it. Surely this consitutes fraud and the bank can issue a reversal? She's with LloydsTSB, has a platinum account with all the extras...surely they'll be willing to do something or are they likely to just say tough luck?
One more thing...i'm posting for advice, if you're here to say she was stupid, her own fault, should've known better, we know! People make mistakes, if you can't understand that and want to make yourself feel big by rubbing someones nose in it, don't bother. Jog on and waste your time on another thread, i'm specifically asking for advice/info and not a load of pointless "ha ha, you got conned comments"...thanks
She calls me from work, says that she's been called by CCS and they can probably get her back any bank charges she's paid over the last few years. I said fair enough, get them to send the info, i'll take a look, if it's nonsense, we can just bin it.
Now, my girlfriend isn't an idiot but she can be a little naive. She has lived here in England about 4 years and still hasn't realised how many people/companies here will scam you for a litttle bit of money. They asked for her credit card details so they could "check" what money she is entitled to. They said they would hold them on file, if she was happy with the information they provided, she would be billed £199.99 and this would get refunded with any money they could claim back for her.
At no point did they say they would take the money straight away. Anyway, she gets home and explains a bit more to me. Sounds like a scam so I tell her to call them up and explain she's not interested and doesn't want to proceed.
She calls, get's through to a friendly person on the other end, they say no problem, they won't do anything further.
Yesterday I check the credit card online, there is a pending amount for £199.99 despite them saying they won't take anything.
Spent a while on google last night, this is a pretty well known scam, they take the money, keep offering refunds, saying cheques have been lost in the post, then every few months change their phone number. They also claim to be endorsed by the Ministry of Justice.
Here are a few links I found about this scam:
http://www.freeindex.co.uk/profile(consumer-credit-services)_225034.htm
http://forums.moneysavingexpert.com/showthread.html?t=2200023
The thing is that might stand in our favour here. She never actually authorised them to take the money, as far as she knew they were holding her details pending approval and wouldn't take any money until she ok'd it. Surely this consitutes fraud and the bank can issue a reversal? She's with LloydsTSB, has a platinum account with all the extras...surely they'll be willing to do something or are they likely to just say tough luck?
One more thing...i'm posting for advice, if you're here to say she was stupid, her own fault, should've known better, we know! People make mistakes, if you can't understand that and want to make yourself feel big by rubbing someones nose in it, don't bother. Jog on and waste your time on another thread, i'm specifically asking for advice/info and not a load of pointless "ha ha, you got conned comments"...thanks
