Deed poll cheque fraud left me Mistake: The cheque should never have been accepted over the counter, where to find pandora bracelets says Hetherington Tony Hetherington replies: Thank you for letting me publish the details of this ridiculously simple way that a thief can turn a stolen cheque into cash and then walk away with the loot.
Its own investigation soon found the cheque had been intercepted and deposited at the NatWest branch in Enfield, North London. The money was withdrawn soon afterwards. You reported this to Action Fraud, which replied several weeks later that there was insufficient evidence to prosecute anyone, so nothing could be done. Meanwhile, you tried to make contact with NatWest's own fraud investigators, without success. You even approached the Financial Ombudsman Service, but were told that Legal General had done nothing wrong, so you could not make a complaint. Nor could you make a complaint against NatWest because you were not the bank's customer the customer was the thief. Soon after I began investigating, NatWest seemed to have a change of heart. It refunded the full value of the cheque not to you, but to Legal General, which then paid you. 'Simple': The cheque was intercepted and paid into NatWest in Enfield But I am sure lots of people will wonder how a cheque in your name could be banked. Was there some massive coincidence, with the thief sharing the same name as you? No. The thief stole your cheque and then simply changed his name by deed poll. He produced the deed poll to NatWest and had his account changed into your name. He then deposited your cheque. Simple. But getting your money was anything but easy for you. It took months. Steve Thomas, chief administration officer at Legal General, told me: 'This was largely due to problems we had getting information from the bank.' He explained: 'It then became buy pandora charms online australia necessary for us to obtain a court order to get specific details, which took several months.' Only after it was served with the court order did NatWest provide the necessary evidence confirming you had been robbed. Legal General pursued its investigation and court case for eight months at its own expense. The payment you eventually received was only brought about when Thomas and his colleagues passed evidence of the theft to senior management at NatWest. The bank told me: 'We have robust processes in place to prevent fraud. Once we investigated we acted quickly to refund the cheque.' But the blunt fact is the cheque should never have been accepted over the counter. It seems nobody thought to ask why the cheque was already made out in the NatWest customer's new name, while the deed poll change only followed later. I understand the bank is now reminding staff to watch out for this. Good, better late than never, but this huge deed poll loophole simply should not exist in the 21st Century. Because of the high volume of enquiries, personal replies cannot be given. Please send only copies of original documents, which we regret cannot be returned. Carbon credit frontman bannedThe frontman for a dodgy carbon credit investment firm has been banned from acting as a company director for the next 15 years. This is five years after I warned readers they could lose every penny they invested because there was no two way market in the carbon credits he was peddling. Lee John Thompson, 47, of Canvey Island in Essex, was the sole director of World Carbon Limited. When I questioned him in 2012, he called in his lawyer, Anthony Field of solicitor Rosenblatt, who told me that if I defamed his client he would advise World Carbon to take jewelry stores that carry pandora legal action 'to protect its reputation'. I wrote about Thompson's business anyway and all that happened was that he changed its name to Worldwide Commodity Partners. Insolvency Service investigators found the carbon credits could not possibly have produced a return for investors, who lost almost 3 million. The High Court ordered the company shut down in 2014. Under its original name of Citadel Trustees, it held World Carbon's worthless credit certificates in safe keeping, which allowed the scam company to use its name in a way that suggested it was legitimate.
Citadel also provided a false veneer of respectability for other pandora jewelry sellers scams involving carbon credits and land banking. I warned against it more than once.
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