The offer of a telephone call comes out automatically. It’s optional. You can just ignore it or request it later.
We can continue on here.
The bank will not normally deal with this as a fraud issue unless you go to the police. If you go to the police, and the money can be traced, the bank will very often refund the money. Without the police, it’s most likely that is never going to happen and you would be faced with going to court.
No one can be compelled to use a solicitor and you are quite entitled to deal with this yourself. There is no reason why you should not do because there is no legal aid and you would have to pay the solicitors costs yourself.
If he doesn’t want any charges against him, I would be straight to the police because that puts pressure on him to repay you to avoid criminal proceedings.
I would suggest that you tell him that he has until Friday the thirteenth of December to find this money and return it to you failing which you will be straight to the police with a view to having him prosecuted for fraud/theft.
Can I clarify anything else for you?
I am happy to answer any specific points arising from this.
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