The Voice - Consumer's Voice

I'm a victim!

My documents have been used to get a loan, and now they refuse to absolve me from the case even with evidence of statements and payslips provided. My Omang, as for the payslip, they were fabricated, the account numbers were changed and figures were changed. The police are doing investigations but the lender is not even willing to listen or do anything.

The police say they are on it but I have only received a call from them once. Thing is in my case I am the one who was to open the case and not the lender, though I am a victim in the case of fraud. Its like there are many cases currently being investigated but with me the institution at hand does not want to do anything or absolve me from the case even with evidence provided.

This is going to be difficult.

I contacted the lender and they told me a much more complicated story. According to them, you visited one of their branches and completed a loan agreement. Apparently, one of their employees went through the KYC process and saw your identity documents. Your signatures on all the documents seems to match each other.

They say that your report to the Police, which says you were the victim of a fraud and never received the loan, doesn't prove anything. They later gave me the details of the bank account to which they paid the money and it's not the same bank you say you're with. Nevertheless, they don't see this as sufficient evidence of fraud.

Their suggestion is one that I agree with. You need to encourage the Police to conclude their investigation, prove that a crime was committed and that you were its victim. Then they might be able to fix this problem. 

Be careful what you click on!

Anyone on Facebook will have seen lots of advertisements recently for giveaways and competitions from large chains of supermarkets. A recent one appeared to be from Sefalana, another seemed to be from Fours. Both reported that the company had "480 refrigerators and washing machines that cannot be sold due to minor scratches and dents". To get one of the items, they say that all you need do is reply to the post and then share it in various Facebook groups and pages. But it's all fake. It's a scam.

What happens is that as soon as you reply, you get a message from them saying you're a lucky winner and all you need to do is click on a link. This takes you to a web page where it asks you to register for a video streaming service for P3.56 per day.

I suspect this is what it's all about, that daily payment. I bet they'll make it very difficult to unsubscribe from the service. And who knows if it really will be just P3.56 each day?

The lesson is to be very careful about what you see on Facebook. Don't share things that you think might earn you a gift or some money. It's always a scam.