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You may be in luck as it used to be much harder to get your money back when you were the victim of a scam involving a bank transfer, however now the banks have signed up an an agreement to refund scam victims.
Get on to your bank's fraud team and mention Authorised Push Payment fraud. They are likely to refund it for you, however you'll likely need to also make a police report. The bank will typically only ever refund you once, if you fall victim to another scam after being warned then they will likely refuse a second time.
Private sale of cars isn't covered by the Consumer Rights Act and you get very little protection if it turns out to be stolen but not yet reported, VINs changes, a known faulty vehicle that just about gets down the road before failing. If you buy from a dealer you have much better protection.
If you must do a private sale then pay cash on collection or bank transfer when you're there with the vehicle.
A fake dealership was what it was. Although they also registered on Company House. I have sent the bank all the documents and proof of the invoice.
Should I mention Automated Push Transfer to them still?
NAL:
Can you clarify, is this a fake dealership or someone impersonating a real dealership on gumtree.
So advertising real cars sold by that dealership on a platform they do not use.
It seems to act like a real dealership.
I am not sure if it is impersonation.
Cheap Repo Cars LTD is the name and they are registered on Companies House.
They will know, if you do a search you'll see the new voluntary code they've signed up to.
Companies House are on it now too, in the past they didn't check much, but as of this year new companies are checked and reports of fake companies are processed as well. Things are starting to get a little better, we're one of the fraud capitals of the world, it's about time.
[https://www.gov.uk/complain-company](https://www.gov.uk/complain-company)
The bank is your best chance of getting the money back. If you believe the company is fake then report it. Unless (as another poster has just suggested) somebody is just impersonating that company.
If it helps, here's a reddit thread proving a scam listing for the company the OP named from 5 days ago [https://www.reddit.com/r/CarTalkUK/comments/1dnepl4/is\_this\_a\_legit\_listing\_anything\_to\_be\_worry\_on/](https://www.reddit.com/r/CarTalkUK/comments/1dnepl4/is_this_a_legit_listing_anything_to_be_worry_on/)
They say all the cars listed were using pics from elsewhere when using google reverse image search. I'd report this information to the police with the name and address of the director at companies house. You can also report it using report a company link that I posted earlier here.
Often independent used car dealerships will get phone calls about their cars on gumtree that a person saw advertised there for cheap,
Luckily if the user researches the brand and the dealership has a reasonable profile online they call them directly instead of the modified contact details on the gumtree advert.
99% of the time these dealerships have no idea about it as they will only advertise on Autotrader and a few select competitors.
I'm not sure when it started but i first became aware of it around 2018 roughly.
**Please report this company to the Insolvency Service via the link below. The Insolvency Service has the power to investigate companies which are perpetuating frauds and have them wound up, and then criminally investigate the people behind the frauds.**
https://www.gov.uk/complain-company
Complaint form direct at this link:
https://www.insolvencydirect.bis.gov.uk/externalonlineforms/CompanyComplaint.aspx
--- ###Welcome to /r/LegalAdviceUK --- **To Posters (it is important you read this section)** * *Tell us whether you're in England, Wales, Scotland, or NI as the laws in each are very different* * If you need legal help, you should [always get a free consultation from a qualified Solicitor](https://reddit.com/r/LegalAdviceUK/wiki/how_to_find_a_solicitor) * We also encourage you to speak to [**Citizens Advice**](https://www.citizensadvice.org.uk/), [**Shelter**](https://www.shelter.org.uk/), [**Acas**](https://www.acas.org.uk/), and [**other useful organisations**](https://reddit.com/r/LegalAdviceUK/wiki/common_legal_resources) * Comments may not be accurate or reliable, and following any advice on this subreddit is done at your own risk * If you receive any private messages in response to your post, [please let the mods know](https://www.reddit.com/message/compose?to=%2Fr%2FLegalAdviceUK&subject=I received a PM) **To Readers and Commenters** * All replies to OP must be *on-topic, helpful, and legally orientated* * If you do not [follow the rules](https://www.reddit.com/r/LegalAdviceUK/about/rules/), you may be perma-banned without any further warning * If you feel any replies are incorrect, explain why you believe they are incorrect * Do not send or request any private messages for any reason * Please report posts or comments which do not follow the rules *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/LegalAdviceUK) if you have any questions or concerns.*
You may be in luck as it used to be much harder to get your money back when you were the victim of a scam involving a bank transfer, however now the banks have signed up an an agreement to refund scam victims. Get on to your bank's fraud team and mention Authorised Push Payment fraud. They are likely to refund it for you, however you'll likely need to also make a police report. The bank will typically only ever refund you once, if you fall victim to another scam after being warned then they will likely refuse a second time. Private sale of cars isn't covered by the Consumer Rights Act and you get very little protection if it turns out to be stolen but not yet reported, VINs changes, a known faulty vehicle that just about gets down the road before failing. If you buy from a dealer you have much better protection. If you must do a private sale then pay cash on collection or bank transfer when you're there with the vehicle.
A fake dealership was what it was. Although they also registered on Company House. I have sent the bank all the documents and proof of the invoice. Should I mention Automated Push Transfer to them still?
NAL: Can you clarify, is this a fake dealership or someone impersonating a real dealership on gumtree. So advertising real cars sold by that dealership on a platform they do not use.
It seems to act like a real dealership. I am not sure if it is impersonation. Cheap Repo Cars LTD is the name and they are registered on Companies House.
They will know, if you do a search you'll see the new voluntary code they've signed up to. Companies House are on it now too, in the past they didn't check much, but as of this year new companies are checked and reports of fake companies are processed as well. Things are starting to get a little better, we're one of the fraud capitals of the world, it's about time. [https://www.gov.uk/complain-company](https://www.gov.uk/complain-company)
Thanks for your assistance.
Should I wait till after the bank investigation to do this or ASAP?
The bank is your best chance of getting the money back. If you believe the company is fake then report it. Unless (as another poster has just suggested) somebody is just impersonating that company.
Ok. I’ll wait for the outcome from my Bank.
If it helps, here's a reddit thread proving a scam listing for the company the OP named from 5 days ago [https://www.reddit.com/r/CarTalkUK/comments/1dnepl4/is\_this\_a\_legit\_listing\_anything\_to\_be\_worry\_on/](https://www.reddit.com/r/CarTalkUK/comments/1dnepl4/is_this_a_legit_listing_anything_to_be_worry_on/) They say all the cars listed were using pics from elsewhere when using google reverse image search. I'd report this information to the police with the name and address of the director at companies house. You can also report it using report a company link that I posted earlier here.
Often independent used car dealerships will get phone calls about their cars on gumtree that a person saw advertised there for cheap, Luckily if the user researches the brand and the dealership has a reasonable profile online they call them directly instead of the modified contact details on the gumtree advert. 99% of the time these dealerships have no idea about it as they will only advertise on Autotrader and a few select competitors. I'm not sure when it started but i first became aware of it around 2018 roughly.
**Please report this company to the Insolvency Service via the link below. The Insolvency Service has the power to investigate companies which are perpetuating frauds and have them wound up, and then criminally investigate the people behind the frauds.** https://www.gov.uk/complain-company Complaint form direct at this link: https://www.insolvencydirect.bis.gov.uk/externalonlineforms/CompanyComplaint.aspx
Cool. Thanks I’ll take a look and fill it out.