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SHOULD (4)

The healthy superfoods you should be eating

The healthy superfoods you should be eating
By Rachael Anne Hill | The Slim Down – Thu, Jun 28, 2012

 

Yahoo! nutritionist Rachael Anne Hill identifies four nutrient-packed, super-healthy foods we should be eating but are often forgotten about.

 

 

Quinoa

Although commonly referred to as a grain, quinoa (pronounced keen-wah) is actually a seed. Available from most good health stores and supermarkets, it can be cooked and eaten in much the same way as rice and contains all the essential amino acids (the amino acids your body can't make) so it is an excellent source of complete protein for vegans and vegetarians.

 

Quinoa is low in fat but rich in cholesterol-lowering fibre and is a good source of B vitamins needed for repair of body cells and an efficient metabolism. Quinoa contains energy-giving iron too (the mineral women are most likely to be deficient in), calcium for strong bones and potassium, which can help to reduce high blood pressure. It's also a good source of magnesium, which can reduce the frequency of headaches by helping to relax the blood vessels that supply the brain. In short, quinoa is a super-healthy super food and introducing it to your diet is a smart and tasty choice.

 

 

Cold pressed rapeseed oil

Cold pressed rapeseed oil (cold pressed means the oil is naturally extracted from the plant at room temperature without the addition of any chemicals) has balanced levels of omega 3, 6 and 9. Together these make up the essential fatty acids vital for lowering cholesterol, reducing inflammation that can cause heart disease and premature ageing, boosting the immune system and nourishing skin, hair, bones and joints. It also has half the saturated fat and ten times the omega 3 content of olive oil and is an excellent source of skin-enhancing vitamin E.

 

Cook with it, drizzle sparingly over salads, rice or pasta dishes or mix with balsamic vinegar, garlic and a little honey for a really delicious salad dressing.

 

 

 

Crab

Crab is a slimmer's dream because it's low in calories (a four ounce serving of crab meat has only 98 calories), full of flavour and with under two grams of fat per serving, it's heart-healthy too.

 

Despite its low calorie content, it is a great source of protein so it's a really filling and satisfying food. Crab is also a good source of omega 3s which help to lower triglycerides and blood pressure along with reducing the risk of heart disease.
Omega 3s are also thought to reduce inflammation, enhance immune function and even lower the risk of certain types of cancer. Try topping a salad with flakes of fresh crab meat or alternatively add tinned crab meat to fish cakes or fish pies.

 

 

 

Radishes

These hot tasting little vegetables are members of the cruciferous family and owe their pungent flavour to super nutrients called glucosinolates that are also found in broccoli and cabbage.

 

Glucosinolates help to boost detoxing enzymes in the liver, have anti-cancer properties and aid digestion. Radishes contain just one calorie each and come packaged up with plenty of hunger-combating fibre so they are great for the waistline.

 

Chomping your way through just ten radishes will provide you with 25% of your daily vitamin C and their leaves, which are also edible, contain six times more. Add them to summer salads for an extra peppery kick or dip them into hummus and tzatziki.

 

 

Read more…

We should be Good to our fine Friends here!

Friends:

We should be Good to our fine Friends here!

The Buddha on the Universality of Friendliness:

I am a friend of all bipeds;
I am a friend of those with four feet,
I am a friend of the many-footed,
I am a friend of those with no feet!

Anguttara Nikaya 4.67

As I am, so are others... As others are, so am I...
Having thus identified self and others,
Never Harm anyone, nor have any being abused.
Sutta Nipata 3.710

Among tigers, lions, leopards & bears I lived in the jungle.
No one was frightened of me, nor did I fear anyone.
Uplifted by such universal friendliness, I enjoyed the forest.
Finding great solace in such sweetly silenced solitude…

Suvanna-sama Jataka 540

With good will for the entire cosmos, cultivate a limitless heart & mind:
Beaming above, below, & all around, unobstructed, without trace of hostility.

Sutta Nipata I, 8

Train yourself in doing good
that lasts and brings happiness.
Cultivate generosity, the life of peace,
and a mind of infinite universal love.

Itivuttaka 22

More on Friendliness (Mettā):
Metta, Buddha on Noble Friendship, Good_Friendship, United_in_Harmony,
Selfless Friendship is Sweetest, All Embracing Kindness, Blazing Friendliness,
Goodwill Encore, The Good Friend, Blazing & Bright, Kalyanamitta,Across_Borders,
Friendliness Frees, Blazing_Friendliness,Blazing_&_BrightBrahma vihaara,
Infinite_Friendliness,Unique_Unity

Our Friends!
Have a nice & noble day!

Friendship is the Greatest!
Bhikkhu Samāhita_/\_ 
http://What-Buddha-Said.net
Related Buddhist site: http://What-Buddha-Said.net

Group Home: http://groups.google.com/group/What_Buddha_Said

May all beings become thus Happy!
Friendship is the GREATEST!
Have a Nice Day!

Bhikkhu Samahita

Read more…

Scam Watch: June update - the fraudsters you should be aware of

This article was written in response to messages from our readers. If you suspect a scam please let us know the details. We will investigate and warn others.
Moneywise – Fri, Jun 29, 2012 14:55 BST

Although we might pride ourselves on our ability to smell a rat a mile off, swindlers aren't stupid; they make their operations look as plausible as possible so we need to be on our guard.

 

 

MINISTRY OF PENSIONS SCAM

"One of our employees was called up last week from a man claiming to be from the Ministry of Pensions. The number was from a mobile phone and although it sounded suspicious, the caller knew her name and address and told her she was due a backdated pension payout of £5,000. To get the money released she would have to pay £200 and at this stage she wisely hung up the phone."
Gillian Morgan, June 2012

 

 

 

DHL SCAM

"A company pretending to be DHL emailed me to say it had attempted to deliver a parcel to my address but was unable to, and if I wanted to rearrange the delivery I needed to download a reference number.

"Attached to the email was a PDF, which I stupidly thought would be safe to download. As soon as I did every file on my computer became blocked and I had to take the laptop into a local centre to get it fixed."
Dave Hope, June 2012

 

 

 

SANTANDER SCAM

"An email arrived in my personal inbox this week supposedly from Santander. It said someone had tried to send me money but as the transaction looked suspicious it was declined and my account is now restricted.

"Therefore I was asked to confirm some personal details to be able to access my account again. Although it looked quite genuine there were also a lot of spelling mistakes in the text, which hinted it might be a scam."
Vanessa Preece, June 2012

 

 

 

ROMANCE SCAM

"I have been in contact with a man who is stuck in Ghana after finishing work on an oil rig there for the Ghanaian government. He says he hasn't been paid yet and needs money for a ticket back to the UK and claims he is a structural engineer living in Manchester. The money needs to be transferred online but I believe it's a scam so I have instead alerted the British Commission in Ghana."
Joanna Farrington, June 2012

 

 

 

CO-OPERATIVE BANK SCAM

"Someone posing as the Co-op emailed me last week to let me know about a potential fraud alert to my account. To avoid this, ‘the bank' has updated its security system I was told I need to hand over my sort code and account number by email to make sure my account is protected."
Frederick Burns, May 2012

 

 

 

DATING WEBSITE SCAM

"Ever since the end of last year, I've been in touch with a woman I met through an online dating website. Apparently she lives in Australia but is currently on a trip in London.

She emailed me yesterday to say that while over here she's been mugged and now no longer has her debit or credit cards or any cash. Therefore she's asked for me to transfer money to her for a flight back home. Instead, I'm alerting ScamWatch as I believe this is a con."
Phillip Hall, May 2012

 

 

 

STUDENT LOAN SCAM

"My inbox is regularly filed with scam emails and the latest claims to be from the student loans company. It says it’s being sent out to all students who have received grants and loans and asks for the student to verify their personal details. Within the email was an attachment which needed to be downloaded to complete the process."
Frederick Burns, April 2012

 

 

 

BT SCAM

"Although my phone account is with BT I was a little suspicious when I received an email from the company recently. It was titled "action required" and said my last payment wasn’t processed properly. This was either because my personal details had been changed or there was an error when I had paid the bill. To resolve the situation it asked for further details, and included a link, so instead of carrying on I marked it as spam and deleted it."
A Brooks, April 2012

 

 

 

LOAN SCAM

"I have been trying to get a loan so I can take my wife on holiday and we had a phone call recently from a firm offering this. It seemed completely genuine and we weren’t asked for personal or financial details. We were told we should buy a voucher for £50 and then we would have the loan deposited into our account. However, we were never called back and there seems to be no way to get our £50 back. If they can do this to one person I wonder how many more times have they done it."
Stephen Gibson, April 2012

 

 

 

INVESTMENT SCAM

"A lady with a Scottish accent called me this week suggesting I ring fence my assets, so that they could not be used in the event of entering a care home. The alarming thing is she mentioned a password I do actually use for some of my accounts but I’ve never had any dealings with this company before. I’ve now changed all my other passwords."
Margaret Herd, April 2012

 

 

http://finance.yahoo.com/video29147702

 

 

 

AMAZON SCAM 2

"The public need to be aware of yet another Amazon scam in circulation. It is a voucher that advertises a £10 voucher for Amazon. However, once you sign up to the voucher and give your personal details to the company £29 will be debited from your account each month and will be described as an administration fee."
Shan Lamptey, April 2012

 

 

 

CHINESE INVESTMENT SCAM

"Today I received a letter from a so-called private investigator in China to say someone with my surname had died and he was the lawyer representing the case. The deceased man apparently had millions of pounds in his investment portfolio and as there are no other interested parties, the funds could be split equally between the author of the letter and myself. Funnily enough I have taken this no further."

 

David Storrar, March 2012

 

 

 

PARCEL DELIVERY SCAM

"I arrived home from work today to find a card behind my door telling me a parcel had been left under my patio table. I had not ordered anything from this catalogue company and rang it up asking why these items of jewellery had been sent. I was put through to the fraud department and the member of staff asked if I was a company director to which I replied that I was. Apparently the latest scam is for con artists to use your name and address (which they can find on a company website) and then change the address for delivery once the account has been accepted. Thankfully I acted straight away and a fraud marker was put on my file and I was advised to check my credit record."
Angela Oakley, March 2012

 

 

 

DISASTER NEWS SCAM

"Last week an email arrived in my inbox from a friend and immediately alarm bells began ringing. For a start the language was strange and it went on to say she was on holiday in London and had been mugged and had everything stolen apart from passports. It then went on to ask for help settling the hotel bill and getting a flight. There were lots of things in it that didn’t match up so I contacted my friend and she confirmed it was a scam."
Ann Street, March 2012

 

 

 

THE HALIFAX SCAM

"Halifax, or at least I thought it was the bank, contacted me to say it had detected irregular activity in my Halifax online banking login. As I was the primary contact the email asked me to verify my account as a hold had been placed on my debit card so I couldn’t access my cash. There was an attachment with the email, which I had to download to verify the account. Alarm bells rang and so instead I checked my online banking in a new window and found no problems."
Aysha Begum, February 2012

 

 

 

THE AMAZON SCAM

"I received an official looking email from a company pretending to be Amazon to say the order I had placed had been cancelled. The email included a new order number and a link to what I thought was Amazon. I clicked on this and it directed me to the website of a Canadian pharmaceutical company selling drugs."

 

Barry Arrowsmith, February 2012

 

 

 

THE COMPETITION SCAM

"I’ve been emailed as apparently my email address was the star pick from an automated ballot system which means I’m entitled to receive the grand reward of 2.5 million dollars. The suspect email said the prize was from a reward program for the ‘patronage of internet services’ and the promotional draw is conducted in the Netherlands. In order to claim this prize the email says I must send personal details out immediately."

 

Bob Hope, February 2012

 

 

 

THE DEATH CERTIFICATE SCAM

"Apparently my death certificate has been handed into a branch of HSBC in Canada by a man who claimed to be my representative and also to have power of attorney of my finances. There is also a fund of 12.5 million dollars in my name, which I need to claim in the next 48 hours while at the same time confirming I am still alive. This is very clearly a scam."

Eirik Vestgard, February 2012

 

 

 

THE YAHOO SCAM

"A scam email arrived in my account supposedly from Yahoo. It said I needed to update my personal details after a series of illegal attempts on my email account from different IP addresses. It went on to say it was for my own safety and if I wanted to keep my account open I would need to fill in details such as, email address, password, date of birth and country of residence."

Richard Search, February 2012

 

 

 

THE NPOWER SCAM

"Quite unexpectedly we received a phone call one evening at 8 o'clock and my wife answered. She said npower, our electricity provider, was on the phone and wanted a meter reading there and then. We had just started to watch a favourite TV programme so I said I would send one online the next day. The caller was persistent but settled eventually and said they would call again – which didn't happen. I phoned npower the next day and was told everything was fully up to date and no reading was required. It's difficult to imagine what would have followed had we complied and gone to the meter and provided a reading. Doubtless the company would have tried to obtain some sensitive personal information on some pretext or other."

Clifton Pyrke, November 2011

 

 

 

THE ILLNESS SCAM

"This message arrive in my inbox from a friend in my address book. The subject of the email was 'Dearest Beloved'. The message said: 'As you read this, I don't want you to feel sorry for me because I believe everyone will die someday. I have been diagnosed with oesophageal cancer, view attached mail for full details.' My friend is not ill and the email had an attachment which I did not open."

Kunio Uematsu, November 2011

 

 


THE SKY SCAM

"I was checking through our bank statement online and discovered a transaction marked 'Sky Subscription' which is strange as we have not been with Sky for over six years.

We rang Sky to ask why and it told us all of its payments are labelled 'Sky Digital'. We rang the bank and stopped the debit card this transaction had been used on. The scam appears to work by taking random amounts from your bank account. We have spoken to others and found this is a growing problem with one friend being debited as much as £200. The message here is – always check your bank statements."

Peter Balshaw, November 2011

 

 

 

PAYPAL SCAM
"I sold a mobile phone on eBay and a bidder offered me double the price I had hoped for. I accepted this and he sent the authorisation code for the payment but no money arrived in my account.

I contacted PayPal who told me this was a scam as the authorisation code was an old one. The bidder looked genuine and had good feedback and I contacted him again. He sent another code but still no money arrived so in the end I sold it to someone else."

Joel Brown, October 2011

 

 

 

PUPPY SCAM

"I tried to buy a Chihuahua puppy on the free advert side Oodle for £150 plus delivery from Dundee to Edinburgh. I emailed the seller and asked a lot of questions about the puppy and delivery and he assured me that everything would be straightforward.

I was sent the details of the delivery agency and I paid the seller through MoneyGram. Next my husband spoke on the phone with the agency and suddenly it wanted another £600 to cover insurance and to deliver my puppy by plane. We didn’t want to do this so but the seller would not listen and he even said if we pulled out of the deal the dog would be put in quarantine and we would be in trouble with the police.

This was not the first advert I applied to and it seemed genuine. Looking back I shouldn’t have wired the £150 but I was so desperate for this puppy I went ahead with it."

Mrs Elizabeth Heppell, October 2011

 

 

 

SAD NEWS SCAM

"An old friend who now lives in America emailed me last month asking to borrow £2,000 as he was on holiday in Wales and had been mugged. The email was very convincing and said his cash, cards and mobile phones had been stolen but he still had his passport and flight tickets.

It said he had gone to the American embassy and police but had not had much luck and needed to settle hotel bills before getting a flight back to America the next day. I would have sent the money to him but the use of the headline ‘Sad News’ suggested a death in the family, which this was not, and made me feel uneasy.

I hadn't contacted him for years, but I found the number and rang his home in North Carolina. It turns out his emails had been hacked and similar messages had been sent out to everyone in his address book."

Victor Courtice, October 2011

 

 

 

COMPUTER HEALTH CHECK SCAM

"I was contacted by a man who told me my computer was not running at the right speed and offered me a free security health check. The caller asked me to switch on my pc and log onto a website. At this point the computer would be accessed remotely and cleared of any bugs.

When I asked the name of the company I was told it was part of Microsoft and the caller said this would be totally free. As a PC engineer I didn’t go any further as alarm bells began ringing and I believed the company’s intention was to get passwords and data off my PC."

Stuart Strong, October 2011

 

 

 

VITAMAIL SCAM

"My poor elderly mother was sent a letter from a company called Vitamail telling her she was in debit of her account by £5. She did not have an account with this company and the letter looked very convincing.

"However, I noticed the letter had her name but no initials, the company asked her to send cash, it was not signed and also threatened to send someone round to her house if she didn’t send her bank details.

"I searched for the company on the internet and found there were many people who had received the same letter who had never heard of this company let alone had an account with them. This company trades under many names and many addresses but is based in France."

Mrs S A Walsh, October 2011

 

 

 

BBC CHEQUE SCAM

"I received an email telling me I had won a £1,000,000 lottery prize from the BBC. I contacted a few names on their email messages and questioned the matter to see if it was for real. No one got back to me and after reading the email again I noticed they used a delivery services which asked for a £250 fee to release the cheque."

Mr M Chai, October 2011

 

 

 

AUTOTRADER SCAM

"I placed an advert through Autotrader on my partner's behalf and naively I put my personal email address on the advert. Within 24 hours I had emails from two different people expressing interest. Both said they would buy the car without viewing it, pay via PayPal and send an agent to collect vehicle.

My partner expressed immediate concern and a quick search on the internet confirmed a well-known scam whereby someone accepts an offer and their car is collected but the money is withdrawn from PayPal before the transaction is complete."

Debby Curry, October 2011

 

 

 

THE AVIS SCAM

"A company in Seattle rang me around six times trying to persuade me that I had 10 times as many shares in Avis Europe than I actually have. It also said it had a buyer for these shares at 10 times their value. In order to move forward I would have to sign a confidentiality agreement and send it some money. This is clearly proof that if it sounds too good to be true it probably is."

Guest - September 2011

 

 

 

PAYPAL SCAM

"Recently I received a message from PayPal about a transaction but I have never had an account with the company. When I queried it I was informed it was a type of phishing scam. Paypal says it will always address you by name when emailing you so if you ever get an email from Paypal addressing you as 'Dear Member' it is a scam."

Guest - September 2011

 

 

 

MILLIONAIRE FUND SCAM

"Today I received an email from someone supposedly representing Arab millionaires who have had their funds frozen after the 9/11 attack. The email says these millionaires have been investigated by the FBI and found to be clean but now the funds, for some reason, can't be returned to their rightful owners. It then says these funds are available to be claimed by first sending over card details. This is clearly a scam."

Guest - September 2011

 

 

 

WEIGHT TRAINING SCAM

"Having decided to up my weight training I searched the internet for items to help me out. I found a suitable website and then sent off several emails regarding price and asking how long an order would take. A man contacted me and was very efficient so I had no reason to suspect anything. He requested I deposit the payment of £50 into his bank account and sent me the sort code and account number. I was informed my order would take around a week to arrive but after this period had passed I emailed him to ask about my order. I had no further replies from him after this and have lost out on this money."

John Boyd - September 2011

 

 

 

The HMRC SCAM

"A member of staff has just alerted me to the fact that they have recently received a scam email which purports to be from HM Revenue & Customs (HMRC) and appears to be advising them that they are due a tax refund. It offers a link for them to follow where it is likely that they would be asked to confirm their bank details. This is a scam."

June 2011

 

 

 

MINISTRY OF JUSTICE SCAM

"I received a phone call from a lady claming to be from the Ministry of Justice last week. She had a strange accent and although she gave me a number to call back on, this was different to the number she had called me on. I bank with Santander and the lady calling enquired about a payment to my bank account. I've now received another call from the same company and have tried reporting them to Consumer Watch and the Ombudsman but as no fraud as yet been committed neither will help me."

June 2011

 

 

 

The EHIC SCAM

"With the holiday season upon us, people need to watch out for scam websites charging a £10 renewal fee for the EHIC card. Renewal through the NHS website is free, so beware of the top picks on a google search for 'EHIC renewal'."

May 2011

 

 

 

CAMPHIRENOW SCAM

"I was contacted by a company called 'Camphire Now' [supposedly a recruitment firm] and a lady by the name of Julia Marks sent me an e-mail asking me to enter a code and fill out an application pending an interview in London in a few days.

"When I got to the IQ Test section of the website I discovered in order to carry on I would be charged £4.50 per month thereafter. I have e-mailed Julia twice now asking for information on the company as I cannot find it anywhere on the website. The links on the website provide no information at all. It's a scam. I have reported it to the OFT and trust you will warn others."
May 2011

If you think you've been scammed get in touch by leaving a comment below or emailing us on scamwatch@moneywise.co.uk and let us know exactly what has happened.

 

In order for Moneywise to investigate each scam we require you include a name and contact email. Please be aware your email address will not be published.
More from Moneywise

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The return of a classic scam

One of the classic scams is back. It's so obviously a scam, Tony Levene is laughing.

By Tony Levene | Lovemoney – Mon, Jan 30, 2012 15:43 GMT

There are times when I don't know whether to laugh or cry. And there are times when I feel like a parody of a bit part player in an old EastEnders episode – going into the Queen Vic, shouting: “Oh, my gawd. I don't believe it. Pull the other one. It can't be for real.”

But, straight up, it was for real. And it arrived earlier this week. It came in a white window envelope, with a first class 46p stamp, addressed very formally through the window to me as Anthony Levene.

Who writes to me as Anthony other than the taxman and my bank? Even solicitors complaining that I have traduced their scammy clients call me Tony.

What was this missive? Readers may not credit this but the envelope contained the classic “Nigerian 419” letter.

 

What goes around, comes around

Earlier this month, I was discussing scams with a police friend of mine. I told him that there were a number of rackets that I had not seen for quite a while. Among those was the Nigerian letter and the email which tells you that you have won a fantastic number of millions in a lottery which you have never entered, let alone even heard of.

Maybe he was wiser than me when he advised me “never, say never. What goes around, comes around”. And so it did.

The heading of the letter itself started with number of Chinese characters, followed by a Hong Kong fax number and an email address. The signatory – a Mr McKay Xu – told me that he is a private investment manager involved with the estate of a William Levene.

William, Xu writes, died (on an unspecified date but apparently between 2002 and 2008) in a hiking accident in mainland China (that's a big place but there are no further details).

In 1997, before his death, William went to Xu to ask him to act as an investment manager for his $17.5 million. This money was transferred in cash in 2002 to mainland China for an urgent business venture. But poor William went hiking and died, without leaving a will.

So as I share the same surname, Xu concludes that I must be the nearest to a next of kin. The letter has some spelling mistakes but the basic message is that Xu will share the money with me equally if I help him deal with a “specialist bank”. Xu is peeved William is dead as “he still owes me my percentage for service and naturally I deserve to have that money but cannot do it alone. So I need your help”.

There are at least four William Levenes in the UK and two companies with that or similar names. But if my surname had been Jones, then the letter would have cited a William Jones.

 

 

Funny

Why do I find all this rather funny? Firstly the mock serious English: “It would be legally confirmed as I am working with my local solicitor on this deal to make sure all legal aspects are covered.” Then there is the threat that if I don't go along with this, “the funds will revert back to the state where is may be shared by state officials for their personal use and enrichment”. Imagine, officials scamming the estate of poor William.

I can't believe that anyone still falls for this scam – named after the section in the Nigerian criminal code which outlaws the practice – although it is possible. But it is also hilarious that some poor guy has spent money on printing and posting all these letters. He must have paid out for loads of envelopes, paper and countless 46p stamps.

I wonder who is behind all this. It is obviously a false name – no one is going to use real details. It may well not be someone in Hong Kong at all. But whoever it is has got to be pretty stupid. Does anyone think I am going to hand over 50%. No way! I want at least 90%!!!

So I shall email Xu to tell him that I shall talk to him but only on the condition that I take the bigger cut. He'll probably agree – after all there is no money and he just wants me to keep paying $10,000 here and $20,000 there until I go broke. But I also intend to ask him to send $10,000 in cash to prove he is who he says. He won't like that!

 

 

 

********

 

 

How to get your money back after a scam

If you have been scammed, you haven't received goods you ordered, or a product isn't as it was described to you, you could easily get your money back.
By Neil Faulkner | lovemoney.com – Thu, May 10, 2012 15:21 BST

Lost money to a scam? Getting it back could be easier than you think (Image © Fotolia)

The police and Financial Services Authority admit that they're usually powerless to get your money back after you've been scammed. However, there's a way to do so yourself in many cases, and with relative ease.

If you make any purchases of between £100 and £30,000 and pay for it, or even just part of it, using your credit card, your card provider should pay you back for the entire loss in the event of scam.

It isn't just obliged to do this for scams either. Section 75 of the Consumer Credit Act ensures that the card provider must reimburse you if a retailer doesn't deliver the goods or service, or if the product is not as described.

 

 

 

How customers are getting their money back

Credit card companies don't always agree when a customer makes a section 75 request to be reimbursed. Often, customers then complain to the free Financial Ombudsman Service (FOS). It's these borderline cases that give us the most insight into when and where this legal right can be used.

The Ombudsman has just published some recent examples of its decisions relating to section 75. Here are some of the customers who succeeded in getting their money back.

 

 

 

Broken promises

Mrs S paid £3,500 for a holiday club on her credit card on the assurance that she would get the whole membership fee back after five years. On receiving the paperwork, however, she realised she'd been tricked.

She complained to the FOS when her lender didn't believe her “recollection of events”. The FOS found public accounts of others taking legal action against the holiday club, so it considered there to be enough evidence and justification for the card provider to reimburse Mrs S, and ordered it to do so.

 

 

 

Ill-fitting suits

Mr C paid £800 for a tailor-made suit on his credit card. When the finished suit was delivered to him, it didn't fit properly. He asked the tailors to make alterations, but they didn't show up for the appointment and Mr C had no luck when he complained further.

The lender refused to reimburse Mr C, but the FOS saw evidence from both sides, including photos of Mr C wearing the badly fitting suit. It decided that Mr C had done everything he could to get the tailors to correct their mistakes, and so it ordered the lender to reimburse him.

 

 

 

Paying a deposit below the £100 limit

Miss N paid a £99 deposit on her credit card for a £1,000 sofa but, before delivery, the retailer went out of business. Her lender refused to compensate her under section 75, saying she had spent less than £100, so she complained to the FOS.

Although Miss N had only lost £99, the purchase price was £1,000, which means she is covered by section 75. The FOS ordered the card provider to reimburse Miss N.

Video: Don’t be tricked by share fraudsters
http://finance.yahoo.com/video29147702

 

 

 

Make sure you understand section 75

Not everyone is successful when they claim under section 75, even if they take a complaint to the FOS. Indeed, Phillipa Cook, spokeswoman for the Ombudsman, told me that probably a little under half of the section 75 complaints the Ombudsman hears are successful.

 

We can learn from other customers' mistakes.

Paying a deposit below the £30,000 limit

Mrs T used her credit card to pay a deposit of £3,000 to a building company for an overseas property that was going to cost £162,000. The property was never completed and the building company didn't return her calls. Her lender refused to reimburse her and she complained to the FOS.

Unfortunately, it's not the size of the deposit that counts for section 75, but the value of the entire purchase. Since that was over the £30,000 limit, the FOS rejected Mrs T's complaint.

 

 

 

Changing your mind

Mr W joined a holiday club, but later changed his mind when he realised he could pay less by shopping around for holidays by himself. He asked his card provider to reimburse him. When it refused, he complained to the FOS.

The FOS decided that the holiday club had not given false or misleading information to Mr W, nor had it breached the contract. Finding that there are better deals elsewhere is not grounds for section 75, so it rejected Mr W's complaint.

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WRITTEN BY A POLICE OFFICER - Everyone should take 5 minutes to read this.

In daylight hours, refresh yourself of these things to do in an emergency situation...
This is for you, and for you to share with your wife, your children, everyone you know.

After reading these9 crucial tips, forward them to someone you care about.
It never hurts to be careful in this crazy world we live in.

 

1. Tip fromTae Kwon Do:
The elbow is the strongest point on your body.
If you are close enough to use it, do!

 

 

2..Learned this from a tourist guide.
If a robber asks for your wallet and/or purse, DO NOT HAND IT TO HIM.

Toss it away from you....
Chances are that he is more interested in your wallet and/or purse than you, and he will go for the wallet/purse.

RUN LIKE MAD IN THE OTHER DIRECTION!


3.If you are ever thrown into the trunk of a car,
kick out the back tail lights and stick your arm out the hole and start waving like crazy..
The driver won't see you, but everybody else will.
This has saved lives.

 

 

4.Women have a tendency to get into their carsafter shopping, eating, working, etc., and just sit (doing their chequebook, or making a list, etc..

DON'T DO THIS!)

The predator will be watching you, and this is the perfect opportunity for him to get in on the passenger side, put a gun to your head, and tell you where to go.
AS SOON AS YOU GET INTO YOUR CAR, LOCK THE DOORS AND LEAVE..

If someone is in the car with a gun to your head
DO NOT DRIVE OFF,

Repeat:
DO NOT DRIVE OFF!

Instead gun the engine and speed into anything, wrecking the car.
Your Air Bag will save you.
If the person is in the back seat they will get the worst of it .
As soon as the car crashes bail out and run.
It is better than having them find your body in a remote location.

 

 

5. A few notes about gettinginto your car in a parking lot, or parking garage:

A.)Be aware:
look around you, look into your car, at the passenger side floor, and in the back seat.

B.)If you are parked next to a big van, enter your car from the passenger door.
Most serial killers attack their victims by pulling them into their vans while the women are attempting to get into their cars.

C.)Look at the car
parked on the driver's side of your vehicle, and the passenger side... If a male is sitting alone
in the seat nearest your car, you may want to walk back into the mall, or work, and get a
guard/policeman to walk you back out.

 

IT IS ALWAYS BETTER TO BE SAFE THAN SORRY. (And better paranoid than dead.)

6.ALWAYS take the elevator instead of the stairs.
Stairwells are horrible places to be alone and the perfect crime spot.
This is especially true at NIGHT!)

7.If the predator has a gun
and you are not under his control, ALWAYS RUN!

The predator will only hit you (a running target) 4 in 100 times; and even then, it most likely WILL NOT be a vital organ.. RUN, Preferably in a zig-zag pattern!

8.As women, we are always trying to be sympathetic: STOP
It may get you raped, or killed.
Ted Bundy, the serial killer, was a good-looking, well educated man, who ALWAYS played
on the sympathies of unsuspecting women.
He walked with a cane, or a limp, and often asked 'for help' into his vehicle or with his vehicle,
which is when he abducted his next victim.

 

 

9.Another Safety Point:
Someone just told me that her friend heard a crying baby on her porch the night before last, and she called the police because it was late and she thought it was weird.. The police told her
'Whatever you do, DO NOT open the door...'

The lady then said that it sounded like the baby had crawled near a window, and she was worried
that it would crawl to the street and get run over.
The policeman said, 'We already have a unit on the way, whatever you do, DO NOT open the door.'
He told her that they think a serial killer has a baby's cry recorded and uses it to coax women out of their homes thinking that someone dropped off a baby... He said they have not verified it, but have had several calls by women saying that they hear baby's cries outside their doors when they're home alone at night.

 

 

10. Water scam!
If you wake up in the middle of the night to hear all your taps outside running or what you think is a
burst pipe, DO NOT GO OUT TO INVESTIGATE! These people turn on all your outside taps full ball so that you will go out to investigate and then attack.

Stay alert, keep safe, and look out for your neighbours!
Please pass this on This e-mail should probably be taken seriously because the Crying Baby Theory was mentioned on America 's Most Wanted when they profiled the serial killer in Louisiana

 

I'd like you to forward this to all the women you know.
It may save a life. A candle is not dimmed by lighting another candle..
I was going to send this to the ladies only, but guys, if you love your mothers, wives, sisters, daughters, etc., you may want to pass it onto them, as well.

 

Send this to any woman you know that may need to be reminded that the world we live in has a lot of crazies in it and it's better to be safe than sorry..

Everyone should take 5 minutes to read this. It may save your life or a loved one's life

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