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PPI reclaiming: The nine need-to-knows

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Give Money and It Shall Be Given Unto You? (Luke 6:38)

If it won't make any effort to settle it, make a complaint to the independent Financial Ombudsman Service. It settles disputes between financial companies and their customers. It's completely free, and will decide if your complaint should be paid. You can complain about a product sold at any time though here are some guidelines which may help. It's easier if your insurance was active in the last six years, but don't let this put you off.

Insurance started in the last six years: There's no issue here at all as you can request information from the lenders going back six years.

Even if the loan's now paid off, you can start a reclaim. Older insurance that's still active, or ended within the last six years: You can start a reclaim. The six-year rule applies to active insurance, so a policy taken out 12 years ago but paid off five years ago was still active within the key six-year period. I wrote to my bank about several loans I'd had with them since I was checking paperwork for my wife when I found the original loan agreement from The moral of the story?

Never throw away old bank statements. Yes — though be aware any refunds may come off your balance but it means you'll owe less if that happens. What counts is the fact you were mis-sold when you got the policy, not whether you still have the loan. The fact the debt's cleared doesn't mean you weren't mis-sold, so you can still reclaim. It doesn't sound much, but it quickly mounts up.

For loan reclaims it could be many thousands of pounds. Yet calculating the actual amount's difficult and often unnecessary, as the lender will do this for you. It's possible to estimate how much the insurance has cost to see what you can reclaim. It then depends whether you're entitled to the full amount, or just part of it. Here are some examples — if you were paying more, it's likely PPI was included.

The provider should also correct any further losses you've had as a result, such as any arrears charges due to taking the loan. But if you've an outstanding debt to the lender, it can use the money to pay it off. In some circumstances your offer may be lowered due to a technical process called 'comparative redress'. It's not compulsory for you to accept this decision and we've discovered banks have been underpaying, often wiping a third off refunds. If you're in any doubt your bank has offered you the correct amount, call it to ask.

If you know your monthly PPI cost, simply multiply this by the length of the loan to work out its cost. If not, you can do a very rough estimate.

Here are some examples:. At worst, in theory the bank you reclaim from could keep its own record, which may affect future applications to that bank. But we've not heard of this happening in practice. You can reclaim for each policy you were sold, whether they're with the same or different banks. Just complete a separate form for each complaint. It's likely you'll have to pay a small amount of tax, but most claimants will be able to get back what they pay. In brief, a payout's usually made up of three elements:.

The reason for this is it's assumed that if you hadn't paid for PPI, you'd have kept the cash in the bank earning interest — so it's taxed like savings interest.

But, since all the interest is 'earned' in the tax year you get your PPI refund, it's not completely straightforward. Similarly, higher- or additional-rate taxpayers will need to declare the extra income just the statutory interest, not the other parts of the refund to HMRC to ensure they pay the correct tax. If so, you've got a right to take your case straight to the ombudsman. If it's been more than six months since your complaint was rejected and you didn't go to the ombudsman, you may find it might not be as easy so what you'll have to do is restart your claim — unless, for example, a severe illness may have prevented you from being able to write to the ombudsman or you couldn't find original documents as part of a claim — and later found some.

So, for most, your only choice is to restart your case. If you're not sure whether you can restart, the best thing to do is call the ombudsman helpline on Claim again under Plevin. This is the case even if you applied a few years ago and here's where Plevin will likely come into its own. If you've been turned down previously by the ombudsman and the evidence is the same, it's unlikely your original case will be heard and unlikely the decision will change.

However, the Plevin case should help you here. There's a whopping 1. But your chances of winning redress are likely to be much lower as a payout will be seen as proof of the policy having worked in your favour. Don't be put off if this is the case. Original lender taken over? When buying another company, new owners are usually liable for its debts and for paying customers.

Sometimes the liability stays with the old provider, but complain to the new firm and it'll let you know if that's the case. This is the official body which insures the liabilities of finance companies are met. Following your tips I claimed PPI against an old protection policy pushed by a now defunct provider — a 'mean to' job which took me months to get around to. Enough to say yes to a family wedding invitation to Florida. Contact the company that sold you the policy — in this case, the financial adviser or broker.

If the seller acted as an 'appointed representative' of the insurance provider, it may say to contact the provider instead. You can reclaim from a company based anywhere in the world if it mis-sold you PPI. Not all Jersey-based companies are UK regulated, so ask the company or call the ombudsman to check.

Contact the company that sold you the insurance — it may refer you to the debt collection agency if it has your files. However, it's worth being aware that if you have a debt to the lender, either on this account or from a debt in the past, it's likely to use the cash towards your debt.

It can do this without your permission and is unlikely to change its offer, even if you had ill health or are in financial difficulties. This also applies to any policies purchased before a bankruptcy or insolvency order was made.

Whether you've been discharged or not, these 'assets' remain part of your estate, so you're unlikely to get a refund. An extra word of warning: If your arrears are larger than your potential payout you're unlikely to get the money, but you'll still have to pay the claims handler fee.

You can still complain yourself using this guide to help, then use the money to pay your lender what you owe it. Many families only discover a parent or family member had taken out PPI when they die, during the onerous task of sorting through paperwork and their affairs — but their death doesn't mean the end of the compensation they're owed.

Any monies owed become part of their estate, so the person who inherits is entitled to reclaim let the executor know too. Yet it's worth noting there may be problems proving what happened at the time of the sale if only the policyholder was present. And if you live overseas, the fact you now live abroad is neither here nor there — you can reclaim. I found several old loan statements showing PPI in my late husband's paperwork.

The loan company no longer exists so I had to google the parent company for an address. Thank you a million times. This depends on the lender. Some need two signatures to release the info. Some only pay part to the person complaining, and keep the rest for the partner. Others pay it all to one person — if the other ever reclaims, they'll tell them to find their ex. Reclaiming almost certainly means your insurance will be cancelled — you're effectively saying it isn't suitable for your needs.

We get asked this quite a lot, but there are fundamental problems with the question. Being mis-sold PPI doesn't make you stupid. It often involved lies and deceit from supposedly trusted institutions. Those who reclaim are only getting back cash that was wrongly taken from them. For more, see Martin's blog: How loudly can I say this? You do NOT need to pay, no way, absolutely not, never!

Well almost never, which I'll come to very shortly. This cap'll remain in place until the FCA uses its own powers to impose a cap, although we don't yet know exactly when this will be. Even with this cap, using a claims firm is still costly — claiming is easy to do yourself to avoid being charged. It was so easy. If you're thinking it'll simply be easier to use a claims company, don't: However, in certain circumstances — see below — you should go ahead and do it.

There are some situations when people will have to resort to using a claims company — and it's most likely to happen in the following circumstances. However, do read Martin's blog first: Is it worth using a PPI claims company? You've a pre, non-ombudsman case. For some with older cases of mis-selling that wasn't by banks, the Financial Ombudsman can't adjudicate.

An example would be PPI on a car finance deal. In that case, if the provider doesn't play ball then you'll need to go to court — in which case a claims company on a no-win, no-fee basis is useful. The problem is many claims companies just like to cherry-pick the easy cases. So it may be difficult to find one that'll take this on.

Mental health or illiteracy. For those people who would find the process too difficult to do themselves, a claims company may be a helpful route — though it's frustrating that society's most vulnerable may need to pay. It may be worth seeing if your local Citizens Advice Bureau can help first. You wouldn't bother doing it without one. It's illegal for UK companies to call any individual who has indicated they don't want sales calls. If you don't want to receive marketing calls, join the Telephone Preference Service register.

Once registered, it takes about 28 days for calls to be stopped, including live calls. For texts, there are two options you can follow. While they won't completely stop the spam, the more of us that do this, the less spam we're all likely to get in future. Option 1 is to report the text to your network provider. The big networks have a simple, free method to help you do this. Just forward the message to it spells SPAM , making sure it includes the sender's number.

Vodafone customers need to add an '8' and Three customers need to add a '3' to the beginning of this. Option 2 is to report the sender to the Information Commissioner's Office. This helps it monitor bad practice and investigate firms or individuals who may've broken the law. Check the contract to see if you can get the fee back if you cancel. If so, it's likely this is your best bet — contact your card company.

Fear not — since the start of the Legal Ombudsman has been able to help with complaints about claims management companies. If you feel you've received poor service, the process is similar to using the Financial Ombudsman Service. First, make your complaint to the claims handler. Just fill in the form on its website and email the form back or call It's free to use and independent and has the power to make firms pay compensation, reimburse costs or provide other forms of suitable redress where it finds there has been poor service.

It's also happy to give guidance on how to start a complaint if you give its enquiry line a call. One extra point to note is that, as it's a newish scheme, consumers can currently submit claims to the ombudsman for issues going back to 5 October , as long as they first complain to their claims handler. This complaint could be submitted now, or have been in the past.

However, for anyone complaining about a problem that occurred after 28 January , the ombudsman will only be able to take complaints within six months of someone receiving a final response from their claims handler. There's no evidence whatsoever for that, so you should avoid it as it's not an honest player. You can reclaim yourself, for free, without giving any of your payout to a claims company — just follow this guide.

Don't start this thinking: The way providers decide, based on the balance of evidence they've got, is "Was this likely to be correct?

All policies will have exclusions, and you should've been told about them. As most policies are bought alongside a financial product rather than on their own, the key issue is:. Here are the key mis-selling categories in our checklist.

If you fit one or more of these, you probably have a case. It's a common complaint that consumers are told they must buy a policy from the same provider as the loan to be accepted for the product. Any company that subscribes to the voluntary Lending Code see subscriber list agrees it won't insist you buy an insurance product from it.

Therefore if the salesperson Implied or insisted you take out their policy to qualify for the product or help with your application.

Would not let you continue with the application if you did not sign the insurance agreement as well. Too many people have told us of their surprise and shock to discover they have been paying PPI premiums for years — and are stumped as to why.

Yet there are many ways it was mis-sold to you without your knowledge Here, the salesperson was responsible for ensuring you understood the terms of any PPI and that the policy was appropriate. This also applies if you took out the policy online but were later called about the insurance, as often happened. This form of mis-selling has often been systematic, with staff being forced to sell policies or face lower pay.

You may have been told insurance was compulsory. It isn't, and that alone counts as mis-selling. Plus, the self-employed, unemployed, retired, those with pre-existing conditions, or who are covered elsewhere, have all commonly been flogged unnecessary policies.

So if you've got a case, write and complain. It's a brilliant hustle. The answer contained two little words that make 'em a fortune — "fully protected". They mean you're also being flogged expensive insurance.

Widespread mis-selling has left many with unnecessary cover. Nowadays, many apply for loans online. If you signed up on the internet, reclaiming's more difficult as the full terms are usually available there, and the onus was on you to have understood them. But there's an important exception. In July , all lenders agreed to stop doing this, though if you took out a loan before this date, check urgently — you may have bought insurance without knowing.

This covers anything from the fact you were already covered through work or your partner, the policy was not what you agreed to, the insurance term was shorter than your loan and you didn't realise, or if you thought it was a joint policy but in fact it was only in one person's name. Those selling PPI polices are obliged to tell you about the criteria of the policy and to confirm it's right for you. If you speak to someone when applying for a loan, they need to consider your circumstances.

Buying online places more reliance on you doing checks. However, because PPI polices earn providers large profits, staff were often highly encouraged to sell as many as possible, and were well paid for doing so, meaning mis-selling was rife. If you contacted a provider by phone or in person, and it didn't give you fair, correct and reasonable information, it's likely you were mis-sold.

Long-term loans were often sold with a single premium policy — until they were banned in May — lasting a maximum of five years, no matter how long the loan was for. If you've checked your policy and found it didn't cover the full term of your loan, but you thought it did, the salesperson should have pointed this out. Before March , some contracts had terms that said you couldn't cancel the policy even if you had paid off your loan or had a change of circumstances.

Since the then Financial Services Authority now the Financial Conduct Authority looked into these refund terms, cancelling is now possible for all current and future contracts. If you got a loan in a store, such as a car dealership, the insurance was likely to be sold by someone with no financial background, meaning more room for error, and a whole catalogue of misinformation could have been given.

Before you agreed to take the loan, the lender should have told you the full cost of the insurance, both the monthly cost and total price over the policy, so you could tell if it was affordable. If you have an inappropriate PPI product and weren't told it was inappropriate, or you don't think you were given full information on what the policy would and wouldn't cover, ask for an explanation. If you were unemployed or retired when you were sold the policy, check if it included unemployment cover.

If it did, the unemployment cover's worthless — this should've been pointed out. If you were self-employed at the time, check whether you were eligible for a payout if your business went bust usually not — if not, and it wasn't pointed out, you may have a case.

Have you been paying for a policy which includes unemployment? If you don't need unemployment cover, perhaps because you don't work or are self-employed, and mentioned this when you took out the policy, or were never asked about your employment status at all, a reclaim may be possible.

The unemployment element of PPI is only suitable for people who were working at the time they took out the policy, therefore you should've been asked about this at the time of application. Are you in permanent employment, self-employment or contract employment for more than 16 hours a week? Of course, if your policy only covers accident and sickness, with no unemployment element, this section doesn't apply to you.

Providers have different definitions, so it's important to examine your policy in detail. If you're self-employed, check whether your specific set-up is covered.

As the unemployment element is a substantial part of the insurance cost, many who are self-employed have been paying for a semi-useless policy — and this could've been a huge waste of money. If you were unemployed at the start of the policy this includes students and stay-at-home parents , you were almost definitely mis-sold the insurance as, obviously, you wouldn't be covered for losing your job.

The same applies if you knew you were going to become redundant or retire when you purchased the policy. Assuming the policy isn't suitable, you need to establish if the salesperson bothered to check. Remember, it's the situation you were in when you got the cover that counts. So if you were an employee then, but are now self-employed, that's not their fault — unless you've subsequently asked if it was still suitable and been misinformed.

You made the salesperson aware of your situation and they suggested you get it anyway. Most polices have an upper age limit of 65 or 70, after which you're not covered. If you were older than this when you took out your policy, you were definitely mis-sold. If you've passed the age limit since taking out the policy, your cover and therefore payments should have stopped. If they haven't for any reason, you'll at least be entitled to a refund of payments made since passing the age limit.

This situation's rare, as providers' records should flag up someone's age being too high from their date of birth, but do check. Read the other categories to check if you've more reasons to complain, then write a letter to your lender.

Most policies exclude existing medical conditions, meaning you're unlikely to be covered for any medical problems you've had in the past. You should've been asked about this, and informed the policy could be affected. You should have been asked about health issues when you got your policy. If you weren't, or were never asked about your medical history, a reclaim may be possible. Have you had any illness, accident or other treatment which resulted in you being off work for more than 14 days?

Each provider has its own rules, but most are strict. It may decide whether to pay an insurance claim based on what it considers to be reasonable for you to have known about before the policy started. If you make an insurance claim on health grounds, insurers may ask for medical records or proof you didn't have the problem when you took out the policy, and will probably turn it down if you've had a similar medical problem before.

This is one of the biggest reasons insurance payouts are rejected. Providers often take a 'broad brushstrokes' approach; for example, if you had a bad lower back, they may decide not to pay for other unrelated back problems. Salespeople are not obliged to have a detailed medical discussion, but if they didn't mention medical exclusions at all, the policy could be void.

Having had medical problems in the past is not enough to make a reclaim. The key point is whether, at the time of application, you were told this was an important part of the policy and were asked to disclose any past health issues. Some insurers provide medical cover if you've been symptom-free for a few years prior to taking out the policy, so check your own paperwork carefully. If this applies to your policy, you weren't mis-sold, so this section doesn't apply to you.

As well as pre-existing health conditions, some general health problems are excluded from many polices, such as stress. Check the terms of your policy carefully to see if any conditions are not covered. If you weren't told about such exclusions, or were incorrectly informed when you asked about them, you may have been mis-sold.

Read the other categories to check if there are other reasons to complain, then contact your lender. The regulator has said it wants to see better practice. Many major providers, including Lloyds, LV and Capital One, have been fined for "not treating customers fairly". If yours has, it's very likely you've a case. If you're a customer of one of these companies, it may have already been in touch. Technically, this isn't mis-selling — it's a breach of rules regarding fairness relating to the Consumer Credit Act — but the effect is the same.

The Plevin case suggests almost anyone who has simply had a PPI policy was likely mis-sold, and could be due money back. But this ruling will also potentially apply to millions of others too — those who took out PPI and have no other type of mis-selling claim against the policy. Use our Resolver Plevin tool to claim. When the form asks why you're making a complaint, simply state you weren't told about PPI commission and that new Plevin rules from the City regulator mean you're now likely due a payout.

Then make clear if you've previously had a mis-selling complaint rejected or you're applying because you simply had a policy but didn't know about the commission. While every effort's been made to ensure this article's accuracy, it doesn't constitute legal advice and you act on it at your own risk. OK, if you're here, we reckon you're ready to make a claim! However, we're making two big assumptions. If you've got all the information above — or as much of it as you can — then you're ready to start using the appropriate tool below This is the tool to use if you think you were mis-sold a PPI policy because — for example — you were told it was compulsory to get a credit deal, they didn't tell you it was included or you're self-employed and it included employment cover.

Our free online tool helps draft a letter which you can alter before sending , sends it, tells you when you've a response, keeps track of your complaint and escalates it all the way up to the ombudsman if necessary.

We do this using the complaints firm Resolver, which provides the technology, but the underlying template letters and logic behind it are ours. We're working with Resolver on many projects to combine our expertise on how to complain with its cutting-edge technology. This is the tool to use if you were previously rejected for a PPI mis-selling claim by a bank, building society, other major financial lender or the Financial Ombudsman.

Our free online tool helps draft a Plevin complaint letter which you can alter before sending , sends it, tells you when you've a response, keeps track of your complaint and will escalate it all the way up to the ombudsman if necessary. Don't worry if you can't find all the details; Resolver says banks have prepared to process applications with just a few bits of key information.

Any copies of your statements or other relevant documents Resolver lets you attach these before sending off the complaint will also be helpful. We've put all our information into Resolver and believe that's the easiest and best way to do it. However, if for some reason you decide you don't want to use the tool and are making an ordinary mis-selling claim, we have a template letter that you can either use, or use as guidance to call the firm and ask for a refund.

In the old days this often meant following a protracted dance — thankfully, it's much easier now. It's sometimes possible to deal with your whole complaint by phone. Use the information in the template to guide your conversation. We don't currently have a template letter but will let you know here and in our weekly email as soon as we do. Fill in and send a copy of the Financial Ombudsman Service's questionnaire below.

Whichever route you choose, to help, we've written a guide to take you through it, step by step. It's written in Microsoft Word so you can easily cut and paste sections or have it next to you as you fill in the form. If you're still having problems, call the ombudsman on from a mobile. What to do if you're having problems opening the guide.

Find additional details for the banks on their websites: The most important thing to understand is: You may also need to go to the ombudsman later, but you need to have written to the lender first.

Whether you apply using our new free tool or the template, it's crucial that you keep a close eye on the progress of your complaint. These are the key stages you must keep track of, and take action once you reach each one. If you're making a mis-selling claim not Plevin then at this stage you could hear back from your bank with an offer to refund your PPI premiums. Some that offer letters may also include a leaflet from MSE and Which?

The letter's hit the doormat and it's good news. You're getting a refund and it says you'll be put back into the position you would have been in had you not taken out PPI in the first place. But, hang on, before you get too excited, there's an extra sting in the tail being inflicted by some of the banks, which means you might not get as much money back as you'd hoped.

And it goes by the name of comparative redress. There are two types of PPI. One is added in full at the start of a loan known as a single premium and the other is added to your account monthly also called a regular premium. If your bank has decided it shouldn't have sold you a single premium but it should have sold you a regular premium instead — you've been offered something called comparative redress.

It's basically suggesting it wasn't wrong in selling you PPI; it just sold you the wrong type. If it's made this call, your offer will be the difference between what you actually paid and what you would have paid, if you'd been sold, in the bank's opinion, the correct product.

It'll only be used for PPI taken out with a loan and not other types of PPI, such as credit card, store card, mortgage, catalogue, overdraft or car finance insurance. You're unlikely to be affected if your case has been to the ombudsman, as it would have already looked at this part of your complaint. Since the High Court ruled in favour of mis-sold consumers in April comparative redress became part of the regulator's rule book, so they are well within their rights to use it.

Not only that, but there's also a strange rule that says how much they're allowed to charge for the replacement PPI policy. The firm should pay to the complainant a sum less the amount the complainant would have paid for the alternative regular premium payment protection contract. The rules say this can only be used as long as it's done "fairly" and consistently.

It's often been used when the bank decides you had no other way to repay your loan if you were ill or lost your job, so you needed a way to protect your payments. It wasn't used straightaway though. A couple of lenders started in late and early Others soon followed suit but some have since stopped. See which lenders below. But the point is:. We contacted the major banks and building societies and the following confirmed they use comparative redress or have offered it in the past:.

HSBC says it offered comparative redress to a handful of customers, but it was never part of the bank's formal complaints process. Dig out your PPI offer letter and look for the mention of comparative, or alternative, redress. If you no longer have the letter ask your bank to send you a copy. If you're not sure, call your bank to ask: Whether you received your refund offer in the last week or over a year ago, if you disagree you would have bought this different PPI it's NOT compulsory for you to accept your bank's decision — and you can get your money back EVEN if you've already received a payout.

If you believe you never needed PPI in the first place, simply call your bank to tell it why. You are able to rightly reclaim what is yours. Examples of when you might want to challenge a decision include when you already had cover from work or savings, or you repaid the loan early or refinanced so there was no need for loan insurance. Complaints are time-barred from going to the ombudsman if it's over six months since your last contact with your bank.

But don't let that put you off. Call the ombudsman on from a mobile. As comparative redress is a more recent development, the FOS said it's happy to be a point of call for enquires and will look at taking on cases, new and old, on a case-by-case basis. If you're rejected during the reclaim stage, whether it's from an old mis-selling claim or Plevin claim using our Resolver tool, you'll automatically receive a trigger reminder to take your complaint to the ombudsman.

There'll be a few brief details to fill in and then our tool will send on the details of your original complaint to the ombudsman. Otherwise, if you're using our template letter, it'll be up to you to escalate it. The ombudsman is the official, independent service for settling disputes between financial companies and their customers. It is completely free to use, and will adjudicate on whether your complaint should be paid out.

It can only do so once eight weeks have passed from the date of your first complaint letter, unless your bank sends a final letter within the eight-week period. While the process of using the ombudsman PPI claim form is simple, and the amount of money you could receive is massive, it's not usually quick. Your case may take a couple of years to be settled, so don't count on the cash now.

Just contact the ombudsman and ask it to take on your case. The Resolver tool allows you to do this. The ombudsman will then look at each case individually, so if yours is a matter of you saying one thing happened but the company disagrees, the ombudsman will decide if it thinks the company acted fairly. As the party with responsibility to provide full details of the insurance, the lender is expected to have more evidence on what happened to back up its case.

In the last few years, of the cases that needed to go as far as the ombudsman, around two-thirds were awarded in consumers' favour. And even if yours isn't, there's no penalty for losing — it just means you don't get the money back.

Enclose copies of any paperwork that backs up your case. If you need help at any stage call the ombudsman's helpline on or from a mobile. Again, it's quite simple to fill in, though do take care. To help, we've written a guide which takes you through the questions step by step. It's written in Microsoft Word so you can easily cut and paste sections, or print it and have it next to you as you're filling in the ombudsman's form.

Ombudsman complaint form help. What to do if you're having problems opening the guide The ombudsman will then send you a confirmation letter to say it'll look into your case and get back to you if it needs any more information.

Sometimes this will take a long time, maybe even a couple of years, as the ombudsman deals with huge numbers of complaints. Though don't worry — you can leave the matter to the ombudsman to resolve and it will contact you with any offers from your lender. The ombudsman's decision is usually made by an assigned adjudicator, but if you disagree with the result, you can ask for a formal decision to be made by one of the official ombudsmen at the service. This usually takes several months as it involves a detailed investigation into your case, but don't be afraid to push your complaint further if you think the initial decision isn't right.

After that, while the finance company must accept the ombudsman's decision, you still have the right to take the company to court — see the ' Use a claims handling firm? It's also worth noting that if you feel the ombudsman hasn't handled your case correctly, eg, there have been unnecessary delays, you can ask for a senior manager to review it. If that doesn't resolve things you've a right to go to the Independent Assessor, though this is only about quality of service, not the actual decision made.

All PPI sales from January are regulated by the ombudsman, but some earlier policies aren't. Any provider that was regulated before this will be covered by the ombudsman, so all banks' and building society loans should be fine. This makes reclaiming trickier, though it's still worth trying. This is a bit of a nightmare for some. Using the Financial Ombudsman Service is simple, and the best way to go, but it takes far too long. PPI reclaiming numbers have exploded. While the ombudsman's working hard to get it together, it may take a couple of years to be settled.

So don't bank on getting your reclaim and payout sorted quickly. If you're in the midst of immediate, severe and provable financial hardship, let the ombudsman know. It may be able to prioritise your case. Sadly this is a common, frustrating problem. Banks say it should be within 28 days, but it could be weeks.

You'll get interest on the payout up to the date it's issued though, so that's a minor consolation. If the delay's unreasonable, there's nothing to stop you contacting your bank to say you aren't happy, and asking for extra compensation for distress and inconvenience.

Banks call this 'setting-off'. Most banks have the right to transfer cash from your bank or savings accounts to pay off other debts held with them, such as credit cards or loans. Yet a bank taking money shouldn't leave you in financial hardship. If it does, tell your bank and complain to the Financial Ombudsman Service if you think you aren't being treated fairly.

A goodwill payment's an offer of a payout without the company admitting it did anything wrong. Companies rarely say they're in the wrong — they simply offer some cash to stop your complaint going further.

If you don't think it's enough, you can negotiate for more. If you still don't think it's enough, you can complain to the Financial Ombudsman Service. You don't need the help of a claims handler to do this; it's free and easy to do yourself.

Usually not, although if you're in any doubt your bank has offered you the correct amount, call it to ask. An example of this may be if your lender made you an offer including something called comparative redress.

A few lenders, including Barclays, Lloyds and NatWest, have been using this system since late , and it may have meant they underpaid you, often wiping a third off your refund. It's used when your bank decides it shouldn't have sold you one type of PPI, but another was more suitable.

It'll offer you the difference between what you actually paid and what you would've paid, if you'd been sold — in the bank's opinion — the correct product. We think some lenders split payments into two parts, eg, when your account's still open and needs restructuring, the interest can be paid separately. If you're not sure what you've received and why, contact your bank to ask. If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements.

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The terms and conditions are very reasonable and considerate. We offer a wide range of financial services which includes: Interested applicants should Contact us via email: Apply and be free from financial bondage.

You have to be absolutely stupid to even consider offers of millions thru email. Some people are desperate for money and will try anything I am in communication with someone that I thought was a friend, now I know it's not the same person. His name is Chris Fetter. He claims to have worked for a US government contractor "Blackwater".

He claims that they were caught up in a battle and their camp was destroyed. He said he couldn't find anyone from his company and needed help. I suggested he go to the US Embassy. He said he wouldn't make it and that he had found a Commander and asked me to send money to him via western union and to use the commanders name so that we can ensure he gets the money.

It was Commander Lambert Paul. This commander was also a diplomat that supported the employees of Black-water regarding relief materials on behalf of the NATO, supporting sub contractors. He said the Commander told him the only way he would be able to get money is if someone wired him money to a particular Western Union in Nigeria. When I told him about the message I got from someone using his name, he couldn't believe it. This FAKE Chris somehow got into a app using an android phone, assumed my friends name and started communicating with me using the app Badoo.

Once the Fake Chris starting communicating with me, he said given their limited communication abilities, I needed to communicate with him using the app, KiK. I am looking for Madam Alimata Raja, he stated: John Williams is honored with this I want to ask if there is really the father perusaahaan on behalf of clients: Cell Because he has called me and asked me to be willing to accept the transfer of funds from my account to her ex-husband.

As for the letter sent to my email is: Dearest one, Thank you for having time to respond to my mail and also for accepting to help me and my Daughter out of this heartbreaking situation.

I'm mostly concern that you help me in this transaction and my contact was based on the information I Gathered regarding this transaction to enable us Achieve our aim in having this fund being transfer to you as the partner to my late husband beneficiary. I contacted you for us to benefit in this opportunity, so we should proceed on.

How old are you Now? My Personal Details Full Name: Madam Alimata King Date of birth. Teacher I want you to know that this transaction needs absolutely a Foreigner to put claim to the said amount as the partner to my late husband, this transaction will be successfully executed to your account as the partner to my late husband without any query from your government or else where with all the Necessary information roomates I have Gathered regarding this transaction to Ensure a smooth and successful transfer.

This transaction will follow legal modalities and all the needed Obtained documents will be in your name as the partner to my late husband, those documents will back up the transfer direct to your account. You have nothing to be afraid of as long as am concern in this transaction. Any Expenses that may incur into this transaction both of us would bear for it!

I will be coming over to your beautiful country with my Daughter for sharing of the fund and any possible investment into profitable venture under your kind control as soon as the transaction is completed. If possible I will love to invest in real estate management or set up a company with you in your country or any other place of your choice, I trust you and that was why I contacted you as the only capable person to champion this transaction. Please I beg you in the name of God not to betray or cheat me after Because the transaction is completed my hope and my Daughter is on these funds.

I want to know whether it is fraud or not? This number and name and address is the new name and number who mailed me for 16,00, lottery FIFA and now calling me daily for dollar for delivery of cheque's DHL and Insurance Mrs W. As because Miss Josline Jonathan, the daughter of late Dr philip Jonathan cited me as her new beneficiary of her inheritance fund in her declaration in a Oath affidavit. It is wise to proceed ahead of the transaction or not in this email address.

Ramanath Nayak, Bhubanessar, Odisha , India. She sent me the last will testament from her father dated November and the money was deposited in the Versus Bank. Google 15th Anniversary Presentation Centre, branch office. You are advised to keep your award winning details strictly to yourself and do not share it with any individual or a firm to avoid confiscation of your award winning prize.

Alsalam Alecom my brother Masood , Thank you for your mail. It is not going to be a bank to bank transfer because of the situation here. Nobody goes to the bank because it is controlled by Government Armed Forces which is too dangerous for me and please understand that I cannot make an international transfer because of the Sanction and danger we face here every day and for this reasons I approach you.

I give you my word that you will never regret helping me at this point of our need. First, I will be doing myself a great favor to explain in simple terms how this deal is going to be, I just need your acceptance as my beneficiary and all is done and the diplomat will deliver the cargo to you. I cannot transfer this fund through bank because all the banks are now under Government controlled area and I have tried to move it through the borders which is impossible for me because of heavy military check points and that was the reason I contacted you..

I want you to know that the red cross relief jet flies in and out of Syria from European Countries to go collect reliefs from donors in Europe. If we come to a concrete agreement I will inform the Red Cross officer I met here who know many diplomats to help us in moving the fund to you as it is packaged in a sealed box as a consignment and the red cross officer will arrange for it to be delivered to you as my beneficiary of the fund.

They call it consignment. This consignment box will be registered under their services and will be carried with their diplomatic immunity to any part of the world as they have diplomatic grounds and deliver it to the beneficiary.

In this case, the deal will go like this, I will meet the Red Cross officer here in Syria who is a member of ECHO European Commission for humanitarian services that is working here and I will seal and register the box as a diplomatic shipment in your name as my beneficiary then send to Europe through the red cross jet as a diplomatic box. The diplomat will then assist us to clear it as a diplomatic box and deliver it to you.

The airplane that will be used in this deal is the red cross jet which equally has its own immunity because of the nature of its work. I do not know you but we can only speak of trust and I am trusting you as a friend and family at this point and I assure you that we will have much more to gain as one big family at the end of it all. If you are good to me you will make this deal with me and keep it very secret between the both of us, then in a few days we will have the box in your care.

I will stay here for now to defend my people from Tyranny and help in taking care of the innocent casualties because I have to help my people now they need me most. I need you to furnish me with the information below. Your Full name 2. Your address for the delivery 3. Your direct telephone number.

A copy of your identification international passport or your drivers license I pray that as you want to help me and my people, may Allah Almighty out of his Bounty, bring you with this occasion all happiness and prosperity as you help to bring relief and victory to my people and to all the people who are suffering around the world.

Attached is my international passport for your perusal, I will get back to you as soon as I have your information. Peace, mercy and blessings of God. Get back to me urgently, Dr. I send my passport copy to the lawyer office pauline. I become a letter from another woman that need my help and she ask me send all informations to his lawyer. The Woman name is carole levrat and she contact me as first with skype. I thank you for your response to my mail.

I contacted you primarily in confidence hoping that you can be a trustworthy person and would also be helpful in a matter like this. I saw your car on advert for sale online and I wish to let you know that I am sincerely interested in your car, l will definitely buy your car. I am writing to you to know that we are virtually in a state of civil war because President Bashar al-Assad, who inherited harsh dictatorship from his father refused to embrace peace and hit reform in our country Syria.

U which prevent us from securing our financial transaction here. He was former Daraa area police chief before he broke ranks with the Assad regime, with dozens of members of the security services and the military throwing their support behind the opposition.

I cannot travel out at the moment because we have to stay back here and fight for our future and save our country from the hands of dictators, please help a Muslim brother in need. If we come to a concrete agreement I will send the money to you for safe keeping till when this war will be over so that I will have financial base to start over again because nobody knows when this war will end. Please if you are interested in this transaction I will give to you the complete details you need for us to carry out this transaction successfully.

I decided to find someone that is real and not imaginary and that is why I went to a secured car site where I can be sure that the person is real and I believe I can trust you.

If you are not interested do not reply to this email and please delete this message, if no response after 2 days I will then search for someone else. If you are ready in this transaction I will send you all the details you need to know, Now I have my chances to send the money out of Syria to Middle East with help of a red cross jet Red crescent that bring and work for humanitarian services from Middle East.

I wait for your fast response so we can go on. In less than 5 days the money should have been delivered on your care. I will give you further details upon hearing from you. If you are interested in this transaction please remove the car from the website immediately before you reply to my email: Please do not reply to my email without removing the car from the website.

You know I work for the Red Cross Red Crescent and this step is very important to me for security reasons and safety of my fund. I will give to you the complete details you need for us to carry out this transaction successfully once you have done this.

I hope I am been fair on this deal. Peace, mercy and blessings of Allah. Friendly greeting, Dr Abdulazeez Aaban. Same happend this week. People, pay more attensions about african scamers. First of all, it is important that you know the foundation of this transaction and my relationship with you is TRUST, I want you to open your heart and be very honest and transparent with me because I am about to entrust my lives into your hands.

As long as we remain truthful to each other, we shall be successful and established for life. In order to ensure that you do not implicate me in this deal if you are no longer interested to continue, please delete all the mail, I sent to you. I hope you understand. I have to maintain my job in case you decide to pull out at any time.

We have not met each other yet however I believe that we will have a good opportunity to meet with each other for sharing purposes after this money is transferred into your Account.

The Amount involved is USD Alan Williams in our vault, before he passed away, this man has no family and this money is lying unclaimed in our vaults since year I approached you without any reservation in my heart that you are a person of high integrity, though we have never met before.

Once again my desire to transact this business with you was born after the Death of our client Late Mr. Alan Williams, who died of plane clash in Tanzania. I waited patiently all these years whether any member of the family will show up to claims the money but none turned up, as you can see in the website I sent you, no family.

With this in mind I decided to take my chance using my position as the Vault Manager, fortunately enough I am the one in charge for the safe keeping of all the consignment to the vault within my department. So every signing, should be done in my office, the only thing I need is your presence. You are required to come down to South Africa to inspect, sign the release order at the security company, from there we go to the bank here in South Africa, where you have to open a non-resident account in the bank, where the money will first be deposited, before it will be transferred out of South Africa, to your account in your country and after the money is transferred into your account in your country, I will travel back with you to your country for the final sharing and investment in your country.

I wish to settle down in your country and start a new life with my family. This transaction will not take you more than two to three working days to finalize on your arrival, as I have get all the documents ready prior to your arrival. I am sending my business card and my passport.

Should you decide to do the business with me, please send the following? This information you are sending will be used to obtain the approval from the Ministry of Finance, for permission to move the money out of South Africa to your account in your country, without us having any problem.

We will also use the information to change all the documents to your name as a new beneficiary of the money at the Johannesburg High Court. Hope to meet you soon and please do call me after going through this mail.

Craigslist fraud buyer Nelson Queen is the fraud buyer with Paypal email nqueen gmail. He's a fraud who will say that due to the nature of his work he is unable to meet in person to make the transaction so he would want you to ship your item to his "son" who is studying abroad in Nigeria I don't know if this man was your relative since both of you bear the same surnames, even if he's not, I will like you to stand as his next of kin so that his funds can be transferred into your bank account for us to profit since all efforts to locate his real next of kin has proved abortive.

Wait your reply to let You know how we proceed from here, Sincerely, Joe Esq. Here's the ornament I received for the fraud tree: I am quite aware of your background hence my contacting you. Adam Fitzjohn the legal adviser to late Mrs. Esther Wells, a God fearing and dedicated woman, whom I am so proud to have served, before her death, Mrs Wells informed me of her desire to give out her wealth to the propagation of Gods work, because she had no heir, she wanted to dedicate her wealth to humanity.

According to her desire, her assets should be given out for charitable causes and the propagation of Gods work. As her legal adviser, all the documents for the fund which had been earmarked for this purpose and deposited with a finance house are in my care. As a born again Christian, I have to do what is lawful and right in the sight of God by giving out the fund for the purpose intended by the owner before her death. After my fasting and prayers, I asked God to make his choice and direct me to an honest person with whom I can accomplish this noble objective I then came across your address on the Internet and decided to contact you.

I look forward to your response and may God guide you as you make up your mind. In his service Bro. Dear Thank you for your mail and i will appreciate your fast respond to my email I am Mrs Marriam Abdulhaq Ali from London United Kingdom I am married to Late Mr Abdulhaq Ali of blessed memory who was a well known Gold dealer from Kuwait to London for through out his life before he died in the year We where married for 11 years without a child.

I want this money to be sheared among the next privileged since i do not have a child to inherit it and my late husband relatives are all Non-believers and i don't want my husbands heard earn money to be used by unbelievers since I am sure that they will not utilize the money in the way I have directed to.

Hence the reason for taking this bold decision. I know that after death I will be with Allah the most holy and the most merciful. It is a very important confidential massage that i will like to tell you more about it so get in touch with me so that i can fully detail you what i choose you for and as well give you a little knowledge on how to achieve it.

Any delay in your respond will give me room to seek for another Moslems organization or individual for this same purpose. Until i hear from you my dreams lay hugely on your shoulders I am waiting to read from you soon. My Dear I want you to know that I told Allah almighty that I need a person that can use this money for Allah's work's Please try to understand that I did not contacted you by my power, but after my fasting and prayer to the almighty Allah for the right person that will use this money for his work.

My Dear I want you to be open in this project as I prayed and fasted to the almighty Allah. All I need from you is your sincerely and trust that you will use this money for the purpose that I asked you to use it for me the world is meaningless for me right now.

After my fasting and prayer to him for the right person that will use this money for his work, now this money was deposit in a fixed account in London.

And am assuring you that am the only survival of the family and so there is no will as i am the wife and the reason why we deposited this money with the is that I might continue to run the family business with it should there be any unusual like his sudden death but now sickness have deny me the idea so I believe that I better use it and work for Allah All I want from you now is to re-assure me that you will use this money for this purpose: Dear in the Allah, I want you to assure me that you will not let me down get back to me through email so that I can give you the contact of my lawyer for you to contact him for the assistance how to retrieve this fund from the bank and use it and work as I have planed.

I'm waiting to hear from you Your Sister. How are you today hope all is well with you and other members of your family if so Glory be to Almighty Allah, My dear Beloved Thanks once again regarding your quick respond toward helping me donate my Late Husband inheritance to the poor and needy despite your condition i do not want to question Allah SWT on his reason to choose you because i believe you are the rightful person to carry out this transaction i am weak and weary sick and old there is nothing i can do as i can't handle the project do not disappoint me and the thousand out there who will benefit from your gesture.

Meanwhile I know that Allah will help you to do all you can to make this Donation fund to go the way i want it to be so that the name of our Allah will be gloried in the highest, I know it is not going to be an easy task but i know that with the help of the Almighty Allah there will be nothing to it and secondly with the lawyer here to help you have no need to worry about, Here is the contact of my lawyer for you to contact him as I told you in my second mail so that he will be assure who you are and your wellness to carry out this Allah's work and he will also help you how to get this fund retrieved from their custody of the bank in London Dear In Allah, Do not let me down get untouched with my lawyer through email and phone so that he can give you the contact of the bank for you to contact them for the assistance how to retrieve this fund from their custody.

Bringing to your honorable attention It is a big pleasure meeting you and I know that with one health and mind we will achieve our aim in this transaction like been introduced by Mrs Marriam i have been their lawyer for years even before the death of her husband.

And recently she explain to me her intention to release her inherited fund of One Million Pounds to an individual or organization that will use it and help the less privileged ones and I have nothing to ask about the decision because she is dying of a cancer that might not permit her to see the end of the month if not for the grace of God.

Now I have been in contact with the bank on this regard and they are demanding that I provide the following information from the receiver. So I am waiting to received the above mentioned information from you soon so that we may proceed and retrieve the fund from the bank, to enable you carry out your accordance with Mrs Marriam. Waiting for the future to read from you soon. Thanks for using our service Barrister Ahmed Esq. Hamza, How did she contact you initially Suzanna Duke scam ,inheritance ,,needs help with,,she's,,a minor.

Is there a Mary Gerald Adeola scam from Nigeria? Richard banks and bukky banks , allen ave, Ikeja Nigeria Supposibly thats the fee to send me the package. The person's name is Francis Roland. Their email is francisrolandfroland outlook. Dear Verbruggen, I contacted you due to your surname similarity in name with my late Engr. Kindly get back to me through my private email michealpeterss gmail.

Thanks in anticipation of your honest co-operations. For further details contact us with the below information Any who know this adress or name? Barrister Martins Khumalo Number: I handle all our investor's direct capital funds and extracts 1. All confirmable documents to support this Investment Fund will be made available to you. Meanwhile, I have worked out the modalities and technicalities so that the funds can be claimed in any of our six clearing houses without any hitches.

All I require is your honest co-operation. I guarantee that this will be executed under a legitimate arrangement and no government involvement at all. It is very important you include your contact address, telephone and fax number for easy communication. Hope to hear from you soon. Email your response to my private email address: Anyone with information concerning the legitimacy of MarkMiller consult. With respect, thank yu. Vladmir Put in, the former President of Russia, thereby leading to the freezing of his finances and assets.

After searching through the books of your Country's Chambers of Commerce and Industries, I am contacting you to assist me to Re-profile and transfer the funds and equally invest some on his behalf. This is a legitimate transaction as it will be bank-bank transfer. If you are interested, write me back through this personal email address Email: I will send you the necessary details and relevant documents.

I have been badly treated by close associates. I am repented Christan now and God has put it in my mind to give out the rest of my Money to Charity, I don't trust all the Monks here in my country after the Gay scandal. I want you to Distribute these Funds to people that need it.

I am 68yrs old and God has really Blessed me with fortunes. My parent both my Husband and Children's are all late now which is very painful to my heart. My Dear I believe in you that is why am choosing you for this work. You can do this for the sake of orphan and the needy around the world.

There is no such thing as can't, only won't. If you're qualified, all it takes is a burning desire to accomplish, to make a change. Go forward, go backward. But you can't blame other people or society in general. It all comes from your mind. When we do the impossible we realize we are special people. The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack of will, The secret of success is to do the common things uncommonly well, Please my dear I will wait here for your Response before I go ahead and inform my Lawyer about my intentions.

How are you doing today? Please i want you to carry out this charity work with your heart and and take a failure because Many of life's failures are people who did not realize how close they were to success when they gave up. Have faith in your abilities! Without a humble but reasonable confidence in your own powers you cannot be successful or happy.

Desire is the key to motivation, but it's the determination and commitment to an unrelenting pursuit of your goal - a commitment to excellence - that will enable you to attain the success you seek. I have informed by attorney that you will be contacting today so please kindly acknowledge his information's below and contact him right a way. The email is below Kindly email him because i inform him already that you will contact him so i hope that his waiting to hear from you.

Attorney Brian john Email attoneybrianjohn gmail. Is that money scam? Be carefull for this one michaelpeters gmail. I can see from all indications that you are very careful and cautious person and those who approach issues with such carefulness as you have exhibited not only live long enough but win each race of life.

There is also the police, army, and there is a prison facility. Of course, there is no way at my age as a lawyer, experience and position in the society can I get myself involved in this claim in the first place if I think it was scam and implicating.

Here, a next of kin goes further to mean a friend, a loved one, a most trusted person, a close confident ant or bearing the same last name with the deceased.

Do not be afraid of anything because i am here to back you up with every legal question required by the bank as to protect your beneficiary status. I believe that my above explanation will give you peace of mind and encourage you to co-operate with me fully so that we can get the said amount transferred to your bank account without delay. I wait for your positive response. Best regards, Barrister Michael Peters,. My Name is Christina from Australia,i was happily living with my husband on till he left me for another mistress,i tried every thing to get him back but all my effort proved not working on till one day i meant a friend of mine who said when her boyfriend dumped her 6 months ago a spell caster helped her in recovering him back,she directed me to a man call DR SMITH of smithrichardnd rediffmail.

My name is Christina. There is a lottery scam? This is to informed you that your email have been acknowledge and its content noted. Any amount you want to transfer to your Bank account, life saving account , Pioneer Credit Card, Debit Card can be transfer by you as soon as the COT fees is paid and the Code issued to enable you complete your funds transfer.

Below is the payment information of the bank account officer to enable you settle the fees today using western union or money gram so that your code will get to you immediately without any futher delay.

Antonio Rafael Yaka Receivers Address: Boulevard 37, Building-Tower City: Thank you for Banking with us as we promise to provide you with the best banking services. Further enquiries, contact the Customer Care Unit. Palmer Gibson Director of wire Transfer for the Bank.

I live in Singapore and i am a happy woman today? Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. Name Of Applicant in Full: Managements Email Kindly Contact: For more information and inquiries, send e-mail to us today skyworldloanfirm gmail.

The bank instrument can be use for purchase of goods from any manufacturer irrespective of their location. It can also serve as collateral with any bank in the world to secure loan for your project or to establish line of credit with your bank.

For more information, Endeavour to contact me as your convenient time. Regards Wilfred Quiah Contact: I really enjoy the blog. Commercial attorneys in Pretoria. This is really an awesome article. Thank you for sharing this. It is worth reading for everyone. Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire.

This offer is open to all that will be able to repay back in due time. Are you in any financial difficulties and you need to have capital for that your business, we will give you the financial support as we give to individual and companies if you are seriously in need of financial help and you need support you can contact us now for more details.

We have massive experience in this business of giving. We deal with Personal services and public. Our motto has always been timely service, best quality and optimum cost. We are in touch with our customers through quality performance service and assistance. Bringing the best of value to our customers, we also care as much about our customers to have that successful they need.

We value the trust and beliefs vested in us by our clients and professional contacts and provide a dedicated service with an honest and direct approach in all our dealings. Contact us for further details. For further details contact us with the below information. Just received this e-mail, I know it's a scam but thought you might want to add these "people" to your list!

Dear Beneficiary My names are Dr. Morrison A financial Auditor with the United Nations. I came across your Inheritance Fund File and confirmed that you have not received your fund and they only and best option by which you can receive your fund without demanding of Charges of one and another and also to avoid traces by the Global Security agencies is by Opening an Indirect Link Server Further Credit Delivery account with Thasis Bank USA.

Now you should contact the paying bank and request information and guild-lines to open Indirect Link Server Further Credit Delivery account so that we can proceed to deposit your fund for you to start transferring your funds into any bank account of your choice globally without any problem or traces by the Authorities ok. Below is the bank information: I wait for your response asap Regards Dr Kenneth J. Hello , Am Mrs Cynthia corvin.

Am a lady with a great testimony I live in USA and i am a happy woman today? Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs cynthia corvin, that refer you to him.

There were 'invariable' laws about their relative frequency by month, Visit Website. I was surprise because i was first fall a victim of scam! Thanks and Best Regards. Derek Email osmanloanserves gmail. Do you need Personal Loan? Unsecured Loan Fast and Simple Loan? Approvals within Hours? No Hidden Fees Loan? Funding in less than 1 Week?

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Finally, i don't want you to involve anyone into this, most of these so called lawyers and charitable homes don't use donations for the said purpose, and the Lord has chose you to do this, so i don't want us to go against his will.

I want you to know that i have less than two months on earth so I want you to please help me in prayer always the good God should strengthen until you accomplish this task so that you can come paying visit me while I see and feel the hand of God, angel sent in fulfilling this mission.

The grace of our Lord be with you and your family Hope to hear from you with joy. And we also assure you that your information's are safe and they are not going to be shared with any third party without your instruction Duane Lores General Auditing Manager Note: This goes with the other one from me Lydia.

Or is this not the complaint department and if you what are you doing on here? Thank you for following me back and How are you doing today? I am 65 years old, i was a missionary but i stopped my missionary work when i discovered i am having a breast cancer disease from all indication my condition is really critical and it is quite obvious that i won't live more than Four month , According to my doctor report this is because the Cancer disease has gotten to a very bad stage.

I want you to answer the following questions, 1 Are you a God fearing person? I really need you to use the funds to help the poor which is very essential and also the widow and cancer patient as me. I know this is hard , and it take a very strong heart to get this done , but you should keep this saying in your heart , I am like Moses in the Bible. He came to the Red Sea and Pharaoh behind him and no way to turn but God delivered him all by a miraculous deliverance.

It will be a miracle from God to be able to help all the dear people God has laid on our hearts, as you have been laid on my heart for a period of time.

I cannot continue to do all these by myself any more. I strongly desire to reach out to the poor and needy people, but I would prefer to continue this with the assistance of a kind person. This is why with God in my heart i contact you and i want you to contact me so we be in contact with all the poor souls out there. Give new lives , hopes and days. I have come to find out that wealth acquisition without Christ is vanity and i hope you will agree with this also.

I will be praying hard that Satan will not stop this effort. Do contact me and i will tell you more of what you wish to know. Note that the Lord have a great reason for me contacting you and i will be very grateful if you will heed to the call of the Lord by replying to me on my personal email address on donnaloveless gmail. Yours in Christ, Remember me in your daily prayers. Since im a travel agent and my email is public Dear Travel Agent, Kindly tell us if you do handle flight reservations with these airlines below: If yes , Please respond back to us with quotation for the following routes, for some of our players going for trials and also for some of our officials.

Kindly advice if there is any additional fee for distance payment with Visa or MasterCard. We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us. Purpose of the loan: Which sites did you know about us Do you need a loan to settle your debt or pay bills or start a nice business? Have you been denied of loan from Bank? Or do you need a loan to pay off bills? Are you a business,Man or woman, politician, musician,pastor,lawyer,actor,a actress,banker, and you.

On Mon, Apr 16, , 5: I had to contact you this way because I want to make a very important thing. It will seem a little suspect though true that you do not know me and I do not know you. I suffer from a brain cancer that is terminally ill, my doctor just informed me that my days are numbered because of my health deteriorated.

According to my Dr. I am a widow and I have no children. I plan to donate all my possessions. I also sold my business with a company to export wood in Canada where I live for almost 28 years, part of that money will be donated to various associations and centers for orphans and the homeless.

I do not know in what field of work you perform but I want to help you. I'll give you rigged this money can help you in your business, I beg you to accept this because it is a gift that I made and without asking anything in return. I suffer a lot and I am very afraid, I can almost not sleep at night as during the day because I do not want to die without having donated all the money other wise I think it would be a gift. Greetings to you from your beloved Mr. Oral Gregg, i am a citizen of Scotland, here in UK, i have applied for online loans and pass through a lot of scammers who are always after upfront fees, due to lost of money as at my first experience i decided not to angry with any lender who comes up with upfront fee, 15 November, i got a message on my phone from this big hoodlum who seems to be genuine stating in his mail that he offer credit without any upfront fees then i decided to proceed with him suddenly he then request for my online bank detail's of wish i asked why the requirement and he said the transfer of the funds has to be monitor, you know what!

Dear Applicant, I am Mr. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. Apply today and you will get a loan from us.

All these plans and more, contact us now by email for more info.. World Best Loan Company Offer.. My name is Mrs. Faith Johnson I am 45 years old and I based in Canada. I want to notify the general public how I was helped by Illuminati temple in regaining back my business position after been sacked for about a year and six months. I have been in pains and trouble since when I was sacked from the company where I work called Canada Deposit Insurance corporation in Ottawa headquarter in Canada as an agency executive.

I have been hopeless, financially down through out that year. But one day as I was browsing through the Internet I came across the post of Mr. Patrick an Illuminati agent saying you can be famous, rich and successful in life by been a member of the great Illuminati Brotherhood, immediately I contacted him and I explained everything to him and he recommended me and he helped me by initiating me to the Great Illuminati Brotherhood and also he gave me all the guidelines and told me their place of worship.

With the help of Mr. Patrick I was able to go to the temple and there I was initiated fully as a complete Illuminati member. Surprisingly 40 hours after I was initiated, I receive a call from the company that I have been accepted back again as the agency executive of the company at first I was shocked and surprised but latter regain myself, I was told to resume work the next day by 7: Starting from that day I and my family had been living a joyful and a luxurious life.

My name is Dr. Donald Tenisin, am just smiling as am posting this because Trade Funding Firm has made my dream come true. Do you want to be a member of Illuminati brotherhood so that you can be rich for ever and it can also make your name famous and powerful to control people in high places in the world. Illuminati will give you talent to become what ever you want to become in life without any stress you will famous.

We are one Family under one father who is the Supreme Being. In Illuminati we believe that we were born in paradise and no member should struggle in this world.

Well I did not know about this and have therefore sent my ID copy can anyone please advice me as to what the person can do with this copy. This was the initial message Compliments, You may wonder why I am reaching out to you in spite of friends that I have known for years, the singular reason is that I have by the very nature of this proposition and the required confidentiality decided to deal with a person that I have not known before so that we can develop the trust and execute this transaction without a third person knowing.

I would not have used this medium Internet but I chose to reach you through it because it is the fastest, surest and most secured medium of communication. However, this correspondence is un-official and private, and it should be treated as such. I was in the Republic of South Africa for 7 days to search for an area of investment, just return back to London last week. Let me start by introducing myself properly to you. Anthony Richmond, an account manager with Clydesdale Bank International here in London, i am contacting you in respect of an investment you probably would be interested in.

I know you might be surprised how I got your contact number, I got your contact number from the South Africa chamber of commerce and industry in a Private Search for a Reliable Person to stand as a next of kin or business associate to a deceased account.

The investment has to do with the funds of a deceased client. Who has no next of kin as he died with his wife and only child; I was his account officer before he passed away. I am contacting you as I have all documents relating to the account and can facilitate the claim.

The funds have been there in his account for over seven years with no one to claim the funds. I will also need you to help manage my share until I retire, and please be rest assured that this will be done legally and this transaction would have to be kept absolutely confidential.

When I get a reply from you then I will give you more information on how to handle this transaction. Thanks and Regards, Anthony Richmond. I don't know what to do as I've already given the person my ID document. I was once indigent and lived my life in extreme poverty, the standard of living became so poor and low that I even thought of killing myself, I was deeply strangled up by poverty and I had no body to help me, to eat was a problem to me and my family.

Until I met with a great generous illuminate man by name Jude Morgan who told me there would be no need for me to die and he introduced me into realm of riches and fame.

All the same thanks Jude Morgan who made my dreams a reality by helping me become a member of the great illuminate. Hurry up now and call our help desk and also be a happy man like me because we are not getting any younger. Opportunity for you today, do not hesitate, once again this is our help desk contact. Damn those djalis and nuns across the net and greet the honorable people everywhere. Currently, We are looking for brokers and financial consultants that will work with us as our agents and representative.

Holdings LLC Sent by: Howard Steven Pin Number: Hello everyone I am mr Smith Benson from usa, I am giving a testimony on how I joined the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and nigeria,I was down,I could not feed my self and my family anymore and I tryed to make money by all miss but all avail, I was afraid to contact any illuminati agent because they have eat my money.

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Another thing is that the society have special blessing for politicians and super stars. Here is a letter I received: Haven known this truth, I want you to henceforth stay away from any person promising to send any fund to you, because you cannot receive any fund without first being a registered member of the Ministry of Foreign Affairs, and even after the registration, you still will need their help in making sure your fund successfully gets to you at no cost.

They are more like the only door through which you can receive any fund, and that is exactly the main reason you must always stick to them, and not to any other office or person.

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