- April 4, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Update on Situation involving Random Deposits into My Account
After my previous post was locked by the MODS, I wanted to provide an update on the ongoing issue. The situation has escalated since then, with more money being deposited into my account by unknown individuals.
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I managed to reach out to one of the individuals who had sent me money, a student from the subcontinent. He revealed that a website called [Zizoo Club](https://www.zizoo.club/Login) was responsible for leaking my details and facilitating the fraudulent transactions. He even provided me with evidence of a live agent from the website divulging my banking information.
### Taking Action and Seeking Assistance
The situation appears to be a basic investment scam targeting vulnerable individuals, particularly students and those in need of financial assistance. Despite considering remaining silent, I decided to heed the advice from the community and take proactive measures to address the issue.
I directly contacted the live agents at Zizoo and demanded that they cease disclosing my bank details. They assured me they would investigate the matter.
Additionally, I reached out to my bank for assistance. Unfortunately, the initial response was less than satisfactory, as they directed me to contact the credit team during specific hours. The fraud prevention team was unable to take immediate action due to no money leaving my account, leaving me with limited options. However, I made sure to document the interaction, noting down the employee’s information and recording the call for reference.
### Impact and Personal Dilemma
The total amount of random deposits into my account has now reached approximately £600, indicating the scale of the scam. Furthermore, the student who contacted me is distraught over losing £20 and has been pleading for me to return the money. While many advised against refunding the amount, his emotional plea has left me conflicted.
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****** just grabbed a
>The student i contacted is very upset about losing £20 and has been constantly begging me to transfer the money back. This is the part i am a bit confused on, i know a lot of people in the previous post have said not to do that but he has a very sad story
Definitely, 1000% do NOT transfer the money back to them. This is almost certainly part of the scam.
> I asked him to send me proof so he sent me proof of a live agent giving out my details.
Screenshot or photo of a screen by any chance?
> The student i contacted is very upset about losing £20 and has been constantly begging me to transfer the money back. This is the part i am a bit confused on, i know a lot of people in the previous post have said not to do that but he has a very sad story
They all do. He’s in on the scam. You sending the money to an account he gives you which you have no way of knowing is the originating account the £20 came from is the money laundering.
My dads dying of cancer and I need to support him and my mum in my minimum wage job. Mum can’t work because of her mobility issues. That £20 was for my weeks food and now we will go hungry, please can you send me that back? It’s too easy to lie don’t fall for sob stories especially around money.
I don’t understand, why are they giving your account details?
You need to open a new bank account immediately. Transfer your wages and direct debits immediately. At some point your account is going to be frozen while the bank sorts this out. You will be left in a complete mess. The bank won’t be in a massive rush to sort this out quickly, only to make sure it’s investigation is done properly. YOU will be left in a mess with this. One transaction could be sorted out, multiple on different days…. you need to get away from this account ASAP.
Hey peeps, some web hygiene advice here. I would advise against interacting with this domain OP and anyone here, in addition I’d suggest to de-fanging the URL in the original post – example hxxp[:]www.example[.]com – this stops people accidentally clicking on URLs. A quick check shows this domain zizoo[.]club is only 3 months old. Checking the screenshots of the domain shows it presenting itself to do with boating. Although a quick scan shows no obvious hits, it seems like a simple page and appears to be piggying off a similar named legitimate company zizoo[.]com which is to do with boating holidays. Would recommend clearing your browsing cache etc, if you’ve let your curiosity get the best of you.
Curious which bank this is? Your bank advisor handled this poorly and merit a complaint.
On their end, they should be preparing a report to the NCA via their internal channels.
I hope you have another current account, there’s a good chance this one will be frozen, at least temporarily be would suggest you close it anyway to prevent bigger problems later.
I don’t know if this has been mentioned on the other thread or not. The reason you should not manually return the money yourself is for a few reasons.
– if the money is stolen and then sent to you, you refund it. That money you sent out is “clean” the victim that originally had the money stolen then comes looking for their money and you’re on the hook for it. You’ve just laundered stolen money.
– if you send the money back, the originator raises a dispute with their bank for the money that was sent to you “in error”, it is returned and you are also out of pocket for the money you sent to “refund them”
– if your bank suspects that you are complicit in any way or even an active participant, they’ll close your account, flag you for fraud and you’ll struggle with financial products for the rest of your life.
– any money sent in error that needs to be refunded needs to be returned via the same method it arrived. Only the bank can do this. There’s mechanisms that the originator can, and indeed, must, use to get their money back. None of that requires any action from you.
Keep in touch with your bank, let them know what’s going on. See if they can help you get a new account number and mark this one as dead.
> i know a lot of people in the previous post have said not to do that but he has a very sad story
Do NOT under any circumstances transfer anything anywhere. No matter the sob story. You really do NOT want to have participated in money laundering, it will wreck your life.
I’d be calling the fraud prevention team again on Tuesday and see if you get a different answer, if you get the same answer then call the credit team.
Having said that you got a heap of good advice on the orginal thread which you ignored, so I have no idea why I’m bothering to reply…
Good luck, just know as soon as you do anything with that money received you’re entering a world of hurt sooner or later
Mate cmon noone is this stupid
You’re being targeted by a scam with many people involved. Or one person with many accounts
These ‘other scam’ victims will want you to put them right and then the money disappears and you’re down.
Just leave the money in a separate savings pot or change banks.
Is anyone else wondering about the facts that:
* the poster has somehow got the URL of the scam site, and included it in the post here (how? why?)
* nothing about the story makes that much sense
* the poster’s reddit account and the domain they mentioned were both registered late last year
All sounds very strange and this recent update adds more questions than it answers. All this seeking people out by bank reference, finding them on linked in, seeing their phone on LinkedIn and establishing contact sounds very suspicious, not to mention the url is like not on seo anywhere , I bet it’s just a landing page with nothing behind it.
I’d really recommend changing bank accounts to one with customer service that cares. You don’t want to get into a situation like this with a bank where the agents are just following a script and don’t care about actually helping. If you don’t like the mobile app ones then First Direct is always near the top on MSE customer service rankings and I’ve personally had great experience with them too.
It’s highly likely that your account will be frozen soon, probably for a while. I’d make plans for this.
Reading this you can begin to understand why banks don’t want to touch crypto with a barge pole and why some close accounts with the slightest dealings.
Sounds like a new elaborate scam
Don’t fucking send and fucking momey back to anyone. Jesus
This is a specific scam universities warn staff to be aware of, as international students are often targeted. https://www.ucl.ac.uk/estates/our-services/security-ucl/staying-safe-ucl/common-student-scams-and-how-avoid-them
Do not touch the money and call the fraud department in your bank.
You’re gonna end up with a cifas marker 😬
Hi /u/CatchPersonal7182, based on your post the following pages from our wiki may be relevant:
* https://ukpersonal.finance/scams/
____
^(These suggestions are based on keywords, if they missed the mark please report this comment.)
How did you get into contact with the student?
Don’t transfer it back and honestly I’d just open a brand new non linked bank account that nothing transfers over to and close this one.
Ignore it. There’s no reason for the scammers to be sending you the money instead of themselves unless it’s you who is really the target.
You should contact your bank again as this has the potential to get very serious. After a certain number of chargebacks against your account, the bank will close your account and issue a CIFAS marker for fraud – this happened to me when I sold about 10 festival tickets (my group of friends were no longer going). I was naive and was paid via bank transfer, and two scammers charged back the transactions – my account was closed and it was only 8 months later when I realised I had a marker. I’m in the dispute process now of getting it removed
Do not return the money at all cost.
The fraud team will be looking into this just not you. You return the money you could be helping in laundering it.
Just keep it there and earn interest on it. Just don’t use it. If possible get a new account and get move your salary money/income into a different account. Just in case the account you have gets frozen at least you won’t be locked out. Just do the move in stages maybe? Idk.
Also report to the police. Cover your backside. Send emails to bank with your police reference. Just so that you’re not implicated in any way. If need be get a free consultation with a solicitor/lawyer. The first is sometimes free.
Good luck. I hope this turns out okay
Updateme!
>he has a very sad story
*Oh please give me my money back, that was one month’s rent and I already owe the landlord an advance. I am in only in debt because my infant daughter is sick and needs medicine. I’m doing these bit-part job to make ends meet for my wife, daughter, and elderly parents. I really, really need it please we are very hungry god bless*
—-
Talk is cheap. There are very serious consequences for you if you send money to **a random bank account** and become involved with a money-laundering scam.
You have reported this to your bank; let them deal with it and just keep your balance above the amount fraudulently transferred in.
Keep blocking anyone who messages you, who isn’t your bank.
* **Remember that you can identify a bank from the sort code; be vigilant about somebody impersonating your bank.**
Don’t be afraid to take a call reference from them, and call your bank back on the proper number.
* **ABSOLUTELY** open a new bank account with another bank, and have your work pay your salary into that. You don’t want to risk your only bank account with all your money in being frozen.
Do not touch the money in any way. If you tell the bank it is their responsibility to fix it. When they do they will return funds, if you have already sent money you will lose out.
Nice one for coming back with an update, an interesting situation! Play it cool, don’t do anything hasty (sounds like you’re playing it smart already) and give us a part 3 next week!
3 month old domain.
Having the full name in the reference is so that you will seek them out and they can feed you their sob story.
Also no one publishes their phone number on LinkedIn.
1. Have you reported this to police at all?
2. Why can’t your bank return the funds to remitter? I work in industry, and the financial system absolutely supports return of unrecognised funds sent in error. Maybe the bank sees funds as applied as your bank details were used, but the same mechanism at the Central bank works.
https://www.bacs.co.uk/bacs-schemes/bacs-direct-credit/services/arucs/#:~:text=Automated%20Return%20of%20Unapplied%20Credits%20Service&text=ARUCS%20allows%20the%20receiving%20bank,why%20the%20payment%20was%20unapplied
I don’t understand, what is the scam?
there is you, getting money to your account, there are multiple people who are sending you money because the scammy website is asking them.
is this so that the scammy website then finally reach out to you asking to return the money to them?
Just pop any money they send you into a high interest savings account. After a certain amount of time the money is legally yours. Not that they’ll take any kind of legal action to get it back anyway.
I don’t get it. Couldn’t you just close your account and move the £600 to another account? Then they can’t get their money back… sounds like a risky scam to me?
If people do want their money back, they can ask their bank to approach yours; presumably if your bank asks your permission to reverse one of these transfers, you wouldn’t contest this. Don’t refund the money yourself, though, and be careful of scammers pretending to be your bank