Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return.
Was there a password put on to the receipt when picking up please?
No, but there was a unique MTCN number on the paperwork. The Western Union shop said without this number, no-one can draw on the money, (its my safeguard ) The number was not shared with anyone by me. However, Western Union insist the person impersonating myself used the number to obtain the funds in London. I was to draw the money in Carlisle, and we told the shop this was the location where the money was to be drawn from, but they just put "UK" and not Carlisle. If they had, it may of raised suspicions
And do WU in the UK just say tough? Did they take or ask for identification?
They tell me the person met with all the correct ID criteria in London. Basically in their letter, they are accusing me of trying to claim from them from my own fraudulent activity. I can prove I was in Carlisle as I have a hotel receipt.
Ok. Well in that case you may have a claim under Section 13 of the Sale and Supply of Goods and Services Act 1982 as they have failed to act with all reasonable skill and care.
You should write and give them 14 days to pay or say you will take them to Court. If they refuse then you can issue proceedings either online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf and take it to your local County Court.
The Court will issue the claim and they will have a limited time to defend it, if not then you can enter Judgment. If they do defend the claim then it would be set down for a hearing. As the amount is less than £10,000 then it would be a small claim.
If this answers your question, please take a moment before you leave and rate my service, which I hope has been excellent, it only takes a second and is an important part of the process. Otherwise if you need more information or help then please click reply. Alex