Case Studies - CEL Solicitors https://celsolicitors.co.uk/category/cel-case-studies/ Fri, 14 Jun 2024 11:51:46 +0000 en-GB hourly 1 https://wordpress.org/?v=6.5.4 Tenant Secures £3,000 in Repairs from Ealing Council https://celsolicitors.co.uk/tenant-secures-3000-in-repairs-from-ealing-council/ Fri, 14 Jun 2024 11:51:46 +0000 https://celsolicitors.co.uk/?p=63620 Read more]]>

Daphne, an Ealing London Borough Council tenant, was awarded £1,450 in compensation after enduring prolonged disrepair issues in her London flat. Additionally, her landlord agreed to carry out over £3,000 worth of necessary repairs to the property.

Daphne, 58, had resided in her three-bedroom flat since 2019. Throughout her tenancy, she experienced persistent problems including water ingress, condensation, and poor ventilation, leading to significant mould growth and dampness. Despite her numerous complaints, Ealing Council failed to address the issues.

Due to the council’s inaction, Daphne faced ongoing discomfort, distress, and additional expenses, such as replacing damaged carpets and tiles. The damp and mould growth made it difficult for her to maintain a healthy living environment.

Frustrated by the lack of response from her landlord, Daphne sought help from CEL Solicitors, experts in housing disrepair claims. We arranged for a surveyor to inspect the property, confirming the extent of the disrepair and the impact on Daphne’s living conditions.

As a result, Ealing Council agreed to undertake £3,000 worth of essential repairs to make Daphne’s property safe and habitable. Daphne was also awarded £1,450 in compensation for the distress and inconvenience caused by the prolonged disrepair.

“Tenants like Daphne should not have to endure such poor living conditions.”

Speaking on Daphne’s case, John Lowry, a director and head of housing disrepair at CEL Solicitors, commented:

“The state of social housing and the persistent lack of timely repairs are unacceptable. Tenants like Daphne should not have to endure such poor living conditions.

“We are delighted to have recovered additional compensation in damages for Daphne, ensuring she receives both the repairs and the financial recognition for the distress caused.

“Our commitment is to fight tirelessly for our clients’ rights to live in safe and habitable homes.”

If you are experiencing disrepair in your property, you may be eligible to make a housing disrepair claim. Contact our experts for free initial legal advice. We operate on a no-win, no-fee basis, so there are no upfront costs. Reach out to us on 0808 273 0900 or apply online.
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Student Tenancy Deposit Claim Settled in Just Two Weeks https://celsolicitors.co.uk/student-tenancy-deposit-claim-settled-in-just-two-weeks/ Thu, 13 Jun 2024 14:27:18 +0000 https://celsolicitors.co.uk/?p=63569 Read more]]>

Finding suitable accommodation as a student can be difficult. Whether you are staying local, heading to a new city, or even moving to a new country, choosing the place you will live for the next year of your life (if not longer) is a daunting task. This can potentially be made more difficult by private landlords.

Ms Roberts moved into her student accommodation under an assured shorthold tenancy agreement (known as an AST), paying £455 as a deposit to her landlord.

Legally, a tenancy deposit cannot be more than 5 weeks’ worth of rent and must be protected within 30 days by the landlord. The deposit must be protected using one of three government-approved schemes and a reference must be provided to the tenant within 30 days of receiving the transfer. Despite the landlord and then the deposit service possessing this money, it remains the property of the tenant.

Ms Roberts received her deposit back after her one-year fixed-term tenancy expired and discovered that the landlord had failed to comply with the legal obligation to safeguard it in a deposit protection scheme, and by extension, had failed to notify her of where her deposit was protected.

Beginning a Tenancy Deposit Compensation Claim

Discovering that her deposit had not been protected as was legally required, Ms Roberts asked CEL Solicitors for advice. CEL Solicitors prepared and sent a letter of claim to the landlord, demanding compensation for Ms Roberts. The case was resolved in just 15 days, with Ms Roberts receiving £1365 – three times the amount of her deposit.

When asked for comment, Ms Roberts said: “I am very satisfied with the help of CEL Solicitors. The guidance and communication along the process has been very good.”

Melissa Moulsdale, the trainee solicitor handling Ms Roberts’ case, said: “Ms Roberts’ case was a clear-cut instance of a landlord failing in their duty to protect their student tenant’s deposit. While most landlords require a deposit to protect against careless, unruly, or difficult tenants, there are specific laws surrounding the protection of that deposit.

“We believe a shockingly substantial number of students renting from private landlords are suffering because their landlords are either unaware or do not care that the deposit needs to be protected legally. Failure to protect the deposit correctly means that student tenants are at much greater risk should their landlord decide to make deductions at the end of the tenancy. This includes those demanding that carpets be professionally cleaned, walls be painted, or furniture be replaced due to general wear and tear.

“We also believe that student tenants are at greater risk due to the relatively fast turnaround, as the majority of student tenants do not stay at the same property for more than a year.”

If you have an assured shorthold tenancy and paid a deposit to your landlord, you should have received a reference to where and when your deposit was protected. If your landlord failed to protect your deposit within 30 days of you sending it to them, then you may be owed compensation worth up to three times the value of the deposit. Tell CEL and begin your no-win, no-fee claim today.
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Barnsley Council tenant awarded £1,500 due to property disrepair https://celsolicitors.co.uk/barnsley-council-tenant-awarded-1500-due-to-property-disrepair/ Tue, 11 Jun 2024 08:57:41 +0000 https://celsolicitors.co.uk/?p=63395 Read more]]> Paula, whose name has been changed for anonymity, was forced to live in an unsafe property despite complaining to her landlord multiple times a year. CEL Solicitors successfully awarded her £1,500, plus an additional £500 in compensation.

The 53-year-old tenant, who had lived in the property since 2019, made several complaints to her landlord about defective plastering, damp, and leaks in her kitchen, living room, and utility room. The damp throughout the property resulted in smells and cold temperatures, making it impossible for Paula to host friends and family.

A surveyor report found that multiple bedroom doors were missing inside Paula’s home, making the property excessively cold.

Paula’s landlord, Barnsley Council, failed to resolve the issues despite her filing numerous complaints throughout the years.

After feeling neglected by her landlord, Paula contacted CEL Solicitors, experts in housing disrepair claims.

CEL Solicitors ordered a surveyor to assess Paula’s property, who confirmed it was unsafe for habitation. Barnsley Council, therefore, agreed to carry out the necessary repairs on the tenant’s home and Paula was successfully awarded £1,500. The landlord also agreed to pay an additional £500 compensation in recognition of the delay and distress caused to their tenant.

Commenting on the case, John Lowry, director and head of housing disrepair at CEL Solicitors, said:

“We are delighted that we can help out tenants like Paula.

“For many, housing conditions are at unacceptable levels, and urgent support is needed.

“At CEL Solicitors we do not stop until all the required work is completed. We fight to get the repairs and compensation that our clients are due.”

 

If you are suffering from disrepair to your property, then you may be eligible to make a housing disrepair claim. Get in touch with our experts on 0808 273 0900 or apply online. CEL Solicitors offer free initial legal advice. We operate on a no-win, no-fee basis, so there are no upfront costs.

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Man Awarded £293,650 from Investment Scam https://celsolicitors.co.uk/man-awarded-293650-from-investment-scam/ Fri, 31 May 2024 09:18:18 +0000 https://celsolicitors.co.uk/?p=62506 Read more]]> 75-year-old retiree, Derrick (whose name has been changed for anonymity), was awarded £293,650 from a devastating investment scam.

 

How the investment scam occurred

Concerned that his savings and pension policies would not be enough to support him through his retirement, Derrick sought investment opportunities and came across a company named 7XFX. He then contacted a representative who helped him create a trading account.

The opportunity seemed legitimate to Derrick as he would receive frequent communication via email and phone and would be transferred through different departments in the business. Unbeknownst to our client, this is a tactic employed by the scammers to enhance their credibility and make them appear as a legitimate company.

The fraudsters scheduled calls with Derrick to discuss the investment, explaining that artificial intelligence (AI) would be used to help him make a profit. As an inexperienced investor, this seemed credible to him. The scammers also advised Derrick to download AnyDesk, a remote access software that allows scammers to take control of his computer and guide him through the trading platform.

 

Read more: Screen Share Scams Warning

 

Derrick’s initial trades showed profits which prompted him to invest more. The scammers encouraged further investments by offering ‘credit’ or trading capital in return for deposits.

In early 2022, our client was told that his account had suffered a significant loss due to the Russian-Ukraine war. He was then asked to pay an additional 20% of his withdrawal amount as supposed tax, which he did, believing it would allow him to withdraw his investment. When no funds were received, Derrick sadly realised he had been scammed.

 

Recovering money from an investment scam

Upon realising that he had been defrauded, Derrick swiftly reported the scam to his bank, Revolut, who failed to assist in retrieving his lost funds.

Derrick then contacted CEL Solicitors, experts in fraud and scam recovery, who successfully awarded him £293,650.

 

Tell CEL

Unfortunately, investment scams like Derrick’s are not uncommon as fraudsters will exploit their victim’s trust and lack of bank intervention.

If you or someone you know has fallen victim to an investment scam, steps can be taken to recover your money. Speak with a member of our team by calling 0808 273 0900 or enquire online.
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Tenant Awarded £1,500 After Tenancy Deposit Was Not Protected https://celsolicitors.co.uk/tenant-awarded-1500-after-tenancy-deposit-was-not-protected/ Wed, 29 May 2024 10:16:54 +0000 https://celsolicitors.co.uk/?p=62336 Read more]]> CEL Solicitors awarded £1,500 to a client whose landlord failed to protect their tenancy deposit.

UK landlords must protect their tenant’s deposits in a government-backed tenancy deposit protection scheme within 30 days of receiving the payment. If a landlord does not comply with their legal duty upon receiving a deposit, tenants can bring a claim for the return of the deposit with additional compensation.

Our client, Leanne (whose name has been changed for anonymity), began their tenancy in early 2023 and paid a deposit of £875. Sadly, Leanne’s landlord failed in their legal duty to protect her deposit.

To make matters worse, Leanne struggled to live in the property as it suffered from various defects including a broken toilet, damage to the walls from damp, and no running water.

 

Read more: £2,000 for Private Renter Whose Deposit Wasn’t Protected

 

Eventually, Leanne contacted CEL Solicitors who confirmed that her landlord had a scheme with MyDeposits yet failed to provide them with Leanne’s deposit.

Based on these factors, CEL’s tenancy deposit team presented a strong case to Leanne’s landlord and successfully awarded her £1,500.

 

Commenting on the case, Trainee Solicitor, Melissa Moulsdale said:

“Negligent landlords failing to protect their tenants’ deposits could be down to many reasons, such as financial constraints or a general lack of knowledge around home ownership. However, this does not make them exempt from meeting their legal requirements.

“At CEL Solicitors, we are committed to acting for tenants who have been wronged by ensuring they receive the compensation they deserve. We would urge any tenant who finds themselves in a similar situation to seek legal help from ourselves.”

 

If you believe that your landlord has failed to protect your tenancy deposit, as they are legally obliged to do, then Tell CEL. Speak to our tenancy deposit team on 0808 273 0900 or complete our online form.
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79-year-old Widow Recovers £250,000 from Oil Rig Romance Scam https://celsolicitors.co.uk/79-year-old-widow-recovers-250000-from-oil-rig-romance-scam/ Wed, 15 May 2024 09:00:45 +0000 https://celsolicitors.co.uk/?p=60812 Read more]]>

Elizabeth, 79, was ensnared by a romance scam that not only depleted her savings but also pushed her into borrowing money from friends and family.

Three years after the passing of her husband, Elizabeth Ferguson, a grandmother and retired senior university manager, decided to explore online dating. Instead, she fell victim to a heartless romance scam, resulting in a loss of almost a quarter of a million pounds.

Elizabeth met “Courtney Roy” almost immediately after joining Match. “His profile said he was 68 and his interest included nature, travelling and volunteering. His pictures showed a normal good-looking man” Elizabeth recalled.

Their relationship deepened over time. They discovered they lived near one other, and he shared that he had been through a divorce due to infidelity on his wife’s part. He also revealed he had a challenging childhood in Cyprus after losing both parents.

“This was part of the scam. Not just to gain my sympathy, but to explain errors in his written English.”

They made plans to meet up in person, and even attempted to video call one another. “It was near impossible to see or hear him, but it didn’t seem odd. Connections can be bad anywhere.”

Called away to work on an oil rig

Just as they were due to meet in person, he claimed that he had been called away to an urgent job installing a 5G connection on a Japanese oil rig in the North Sea. Unbeknownst to Elizabeth; claiming to work on an oil rig, isolated and with poor signal is a common excuse of romance scammers.

A short time later, Courtney asked Elizabeth for a favour. He gave Elizabeth his bank details so that she could log in to his account and make the purchase. When she logged in, she found a balance of $1.45million in his account.

“The first step was a message that he needed $70,000 for some expensive equipment. He wasn’t asking me for money, just to log in to his bank account and make the transfer as his signal was terrible. It was a sign of his trust in me.”

Elizabeth made the purchase and was then asked to send a further $7,000. Compared to the $1.45million in his account and the $70,000 previously sent, this didn’t seem out of the ordinary or expensive. He could easily afford it.

Then the transfer failed.

Elizabeth recollects that he explained it was something to do with his IP address, and that he was now locked out of his account until he could return. He then asked Elizabeth to temporarily help cover the fee. She agreed and was told to send money via a crypto app.

Again, this is a red flag. Scammers often coerce their victims into using cryptocurrency.

Explosion on the oil rig

A short time later, Elizabeth received an alarming message claiming that there had been an explosion on the oil rig, and that Courney and his colleagues were in danger. He even sent a video of the incident happening. “I was so worried, so when he asked me to send more money, I was in such panic that I did. I used a crypto app that he told me to download.”

Soon after, a banker’s draft for almost € 1million arrived in Courtney’s name.

“He was hitting me with a combination of ‘I love you, I’m in danger, and here’s proof of all the money I have”.

To pay for the ever-escalating requests Elizabeth started borrowing money from friends and family, claiming it was for work needed for her house.  “I stopped sleeping and eating. I lost a stone.”

“I’d already sent him so much. If I refused a request, maybe he wouldn’t come and activate the banker’s draft – then I’d lost it all.” Elizabeth was trapped. Whenever she brought up the money or questioned Courtney, he became verbally aggressive. “He accused me of being bipolar. He was manipulative.”

Recovering money after a romance scam

When both the police and Action Fraud were unable to help Elizabeth recover her money, she thought all hope was lost. Then a relative recommended CEL Solicitors.

We listened to Elizabeth’s case and found that her bank had failed to adequately protect her money. As a former university manager and successful businesswoman, without a history of sending vast sums of money to mysterious accounts, concerns should have been raised by her bank.

“I had no idea there’s an obligation on institutions like banks to protect customers, that a solicitor could hopefully get my money back.”

The fraud recovery team at CEL Solicitors were able to recover £252,000 for Elizabeth. Since then, she has contacted Match and had the fraudulent account taken down.

“I never want this to happen to anyone else. This man is still out there, he could be doing this to multiple women right now. Romance fraud really does destroy lives.”

Recovering money after a romance scam

When both the police and Action Fraud were unable to help Elizabeth recover her money, she thought all hope was lost. Then a relative recommended CEL Solicitors.

We listened to Elizabeth’s case and found that her bank had failed to adequately protect her money. As a former university manager and successful businesswoman, without a history of sending vast sums of money to mysterious accounts, concerns should have been raised by her bank.

“I had no idea there’s an obligation on institutions like banks to protect customers, that a solicitor could hopefully get my money back.”

The fraud recovery team at CEL Solicitors were able to recover £252,000 for Elizabeth. Since then, she has contacted Match and had the fraudulent account taken down.

“I never want this to happen to anyone else. This man is still out there, he could be doing this to multiple women right now. Romance fraud really does destroy lives.”

If you have lost money to a romance scam it is important to understand that you are not alone, and you are not to blame. Fraud is the most common crime in the UK, and fraudsters prey on the good nature of innocent victims to steal money and ruin lives. Speak with a member of our team by calling 0330 822 3762 or enquire online.
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eBay Purchase Scam Victim Awarded £4,800 https://celsolicitors.co.uk/ebay-purchase-scam-victim-awarded-4800/ Wed, 01 May 2024 09:20:54 +0000 https://celsolicitors.co.uk/?p=59404 Read more]]> Aleksei – stock.adobe.com

CEL Solicitors made a full recovery, plus interest, for a client who fell victim to a sophisticated eBay purchase scam.

How the eBay purchase scam occurred

Matt, a 52-year-old Production Manager, was in the process of building a house for himself and his family when he came across a digger for sale on eBay. Eager to complete the work on his property, Matt contacted the seller over eBay, who then asked to communicate with Matt over email.

Scammers will often ask to communicate outside of the platform where they originally found their victim. This way, they can avoid the protections and safeguards offered by the platform, making it harder for victims to dispute transactions or seek financial recovery.

Our client assumed that eBay had a vetting process for their sellers, and since he had not run into any issues previously, he believed that the listing was legitimate. Furthermore, Matt was provided with plenty of information and images of the vehicle before deciding to make the purchase.

The scammer informed our client that he would be able to deliver the digger within five days. He then sent Matt an invoice and explained that he would be refunded if he was not pleased with the vehicle upon arrival.

Matt sent over a total of £3,990 and waited for the vehicle to arrive. After the fifth day, he attempted to contact the seller but was unable to reach him. At this point, Matt sadly realised that he had been scammed.

Getting money back from a purchase scam

After learning that he had fallen victim to an eBay scam, Matt contacted Santander, who informed him that they were unable to help recover his losses.

Devastated at the news, Matt made one last attempt to regain his money and contacted CEL Solicitors who are experts in fraud and scam recovery.

We were successful in recovering the full £3,990 lost, plus additional compensation, which came to £4,825 in total.

Are eBay purchase scams common?

James Crossley, the Fraud Paralegal who handled Matt’s case, said:

“Online public marketplaces are rife with these kinds of purchase scams, especially eBay – where it is much more difficult to view the items before you purchase them.

“When using eBay to purchase goods, it is essential to pay on the platform. Never make bank transfers or use external payment links. This gives you more protection should the worst happen.

“Using a card to purchase the item, rather than a faster payment or bank transfer also gives you more regulatory protection should you fall victim to a purchase scam online.”

If you have purchased goods online that you never received, you may have options for getting your money back. At CEL Solicitors, we have a dedicated Fraud department on hand to help victims recover their money. Call 0808 273 0900 or complete an online form and a member of our team will help you as soon as possible.
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£30,000 Awarded for Japanese Knotweed on London Property  https://celsolicitors.co.uk/30000-awarded-for-japanese-knotweed-on-london-property/ Tue, 16 Apr 2024 13:29:45 +0000 https://celsolicitors.co.uk/?p=58479 Read more]]>

In 2021, Mr Walker (name changed for privacy) purchased a property in London valued at over £650,000. The previous owner (the defendant) completed a TA6 form, claiming the property was free from Japanese Knotweed. 

Trusting this declaration, Mr Walker proceeded with the purchase, assuming the property was knotweed-free. However, after moving in, experts confirmed that the plant had been growing on the property for some time – predating the completion of the TA6 form. 

Having Japanese knotweed on your property is not illegal, however, allowing it to spread could leave you open to legal action. The potential for extensive damage – particularly if it infiltrates the property’s foundations through existing cracks – can make Japanese knotweed a costly problem for homeowners. 

 

Japanese Knotweed in London 

Japanese knotweed grows quickly and can easily spread. It can grow through barriers, including fences, vegetation, and potentially even concrete. It can cause significant and lasting damage, which can lead to huge decreases in value and attractiveness to buyers and mortgage providers alike. 

The presence of the invasive species can be a concern no matter where it is found, however, can be particularly costly when found on high-value properties where a 5% decrease in value can mean a loss of tens of thousands of pounds. Due to this, Japanese knotweed is a significant problem in London, where green space is at a premium, and house prices are higher than in most other places around the country. 

 

Knotweed Removal 

Japanese knotweed removal can be expensive, but you can reclaim the cost of the treatment plan from a negligent party. Seeking legal assistance, Mr Walker contacted CEL Solicitors to address his knotweed issue. 

Experts examined the property and confirmed that the knotweed infestation had been there for 1-2 years – long before the previous owner completed the TA6 form. Additionally, due to the severity of the infestation, the value of the property had dropped by more than £24,000. 

The misrepresentation by the previous owner left Mr Walker in a difficult position: faced with either shelling out thousands of pounds to eradicate the plant or to face additional, more expensive consequences, further down the line. 

Regarding the claim, Gavin Spruin, a trainee solicitor at CEL Solicitors said: “Misrepresentation occurs when a false statement of fact is made by/ on behalf of the representor that induces the representee to enter a contract and the representor intended the representee to be induced by the false statement of fact. In this case, the defendant’s assertion regarding the absence of Japanese knotweed constituted a false statement of fact which led Mr Walker to proceed with the property purchase under false pretences.” 

As an agreement could not be reached between Mr Walker and the Defendant, the matter was taken to court. There it was deemed that the defendant misrepresented the state of the property. The defendant was ordered to pay over £30,000 for the cost of the removal plan, plus additional compensation. 

If you discover Japanese knotweed on your property through no fault of your own, you may be able to recover the cost of removal. Call 0808 273 0900 or complete an online enquiry to begin your knotweed claim.
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CEL Solicitors recover £5,200 from Santander bank impersonation scam https://celsolicitors.co.uk/5200-recovered-from-santander-bank-impersonation-scam/ Wed, 20 Mar 2024 11:34:58 +0000 https://celsolicitors.co.uk/?p=54787 Read more]]> How the scam occurred

Our client, Vanessa, a 71-year-old retiree from Bolton, received a phone call from a scammer claiming to work at Santander’s fraud team. They advised Vanessa that somebody was trying to access her bank account and because it had been compromised, she would need to move her money to a safe account.

Initially, the scammer instructed our client to move £90 to a Halifax account named ‘Branch manager’. Vanessa questioned why she had to send the money to Halifax, to which the fraudster informed her that it was to cover an insurance indemnity payment.

As Vanessa hesitated to send the cash over, the fraudster encouraged her to verify the number they were calling from, assuring her that it would confirm their identity as a Santander representative. Vanessa’s friend searched the phone number on Google, which appeared to show that it was Santander’s fraud department. However, unbeknownst to Vanessa, this was false information. The scammer also quoted one of Vanessa’s bank security questions, her mother’s maiden name, further convincing Vanessa that the scammers were legitimate.

After transferring thousands over to the fraudsters, Vanessa became doubtful and called Santander’s official number. Sadly, her bank confirmed that she had fallen victim to a cruel impersonation scam and that it was too late to stop the transactions.

 

Tell CEL

Devastated upon realising that she had lost money from her savings, Vanessa contacted CEL Solicitors’ fraud and scam recovery experts. Our team were successful in recovering Vanessa’s funds, along with interest, totaling £5,209.

 

Fraud paralegal, Demi Thomas, who handled Vanessa’s case, said:

“It is unfortunate that Vanessa has fallen victim to a scam despite her best efforts to verify the caller’s identity. Scammers can be incredibly convincing, and it is not uncommon for them to use sophisticated tactics to deceive their victims.

“In cases like this, it is crucial to remain vigilant and cautious when receiving unsolicited calls, even if the caller appears to have legitimate information. Always verify the identity of the caller independently, and never disclose sensitive information or transfer money without confirming the authenticity of the request.”

 

If you have lost money to an impersonation scam, you may be able to recover your money. Tell CEL today by calling 0808 273 0900 or begin your claim online.
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Money recovered after £17,000 lost to advanced fee fraud https://celsolicitors.co.uk/advanced_fee_inheritance_case_study/ Tue, 05 Mar 2024 16:15:15 +0000 https://celsolicitors.co.uk/?p=53276 Read more]]>

This case study was previously featured on BBC’s Morning Live.

Fraud is the most common crime in the UK, with billions lost each year. Advanced Fee fraud – where a person is convinced to pay an upfront fee or deposit – is becoming more common. There are now nearly 400,000 incidents of advanced fee scams committed annually in the UK.

 

Geraint Davies from North Wales was scammed out of £17,000 by an advanced fee scam when a builder agreed and then absconded with his deposit.

After the passing of his father, Mr Davies received an inheritance which he wanted to use to improve his and his family’s lives.

“We wanted to do something to look back on and think he has really helped us out, even though he’s not here. It was a nice gesture that we could use it for something worthwhile that was going to change our lives” – Mr Davies.

To do this, Mr Davies decided to improve his home. Naturally, he started by looking for well-reviewed contracts and consulted Companies House to make sure they were legitimate.

Mr Davies found Acorn Landscaping Contractors LTD, a company which on first impression seemed to be a trustworthy choice.

“He had a look around, took some measurements and sent some figures through that day. […] he turned up and he said that was his company name. He had the company name on the side of his van. You take people sometimes at face value.”

For the work, Mr Davies was quoted a £24,000 total cost, but with a £17,000 upfront deposit to pay for the materials and secure the work.

Sadly, after making the bank transfer to pay the deposit, the excuses from the contractor began.

“It came to the first part where the scaffolding was supposed to go up and it didn’t happen. Then it was the weather, then he was busy doing something. Then unfortunately he sent a message saying his father had passed away.

“We were starting to get an uncomfortable feeling that something wasn’t right. We would message him and say ‘Listen you’ve got a lot going on, you give us the money back and we’ll come back around to it when we’re both free to get the work done’.

“He said there was a problem with his bank, that his account had been frozen, then it went another few days, few weeks, then there was silence, there were no messages back.”

Getting the deposit back

By this point, Mr Davies understood that the work would never be completed and that simply asking for his money wouldn’t get his deposit back from the builder.

“I felt empty inside and that I’d thrown away my inheritance and what money we had to do anything memorable with. That I’d just given it to somebody to just line his own pockets.”

Fortunately, after contacting CEL Solicitors for help and advice, our fraud and scam recovery experts were able to recover nearly £12,000 of the stolen money.

“I felt light again. I felt like I had a spring in my step. We were actually going to be able to do nice things again, not going to have to worry month to month.”

Jessica Hampson, the founder and CEO of CEL Solicitors offered: “We found that Mr Davies acted completely reasonably. He had a look at reviews, and he spoke to them in person. It would make sense for him to give the deposit he gave.

“The bank should have picked up on large amounts of money rapidly going into his account and out of his account to this new payee. The bank had no intervention whatsoever despite the obvious red flags of fraud. The bank had an opportunity in both of those cases to refund without other organisations getting involved, but this just isn’t what we’re seeing.

“You trust the bank to protect your money and they do have a duty of care to the consumers. Unfortunately, there is a culture of victim blaming, but these scams are so sophisticated that ultimately, we all need to be in this together to fight fraud.”

If you have lost money to an advanced fee scam, you may be able to recover your money, even if the fraudster has disappeared. Tell CEL today by calling 0808 273 0900 or begin your claim online.

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