What to do if you believe you have been affected
Consumers that have been affected are advised to immediately file a report with Action Fraud online https://www.actionfraud. police.uk/report_fraud or by calling 0300 123 2040.
Getting your money back
Make a written complaint and demand information. Write (recorded delivery is recommended) to the business at the address given on the contract / agreement. Outline your complaint and ask for an urgent response. You could include demands for a refund / return of paperwork.
In many cases, consumers have stated that they do not believe that ITRA have carried out the promised work they promised. Consumers that wish to check can do the following.
Submit a Subject Access Request (SAR) to ITRA. This legally compels them to provide you with all the information they have regarding what they have actually done on your behalf.
Write (recorded delivery is recommended) to ITRA at
1 London Road
BERKS SL3 7FJ
If you are not satisfied with the response or do not receive a response, you have the following options.
Section 75 refunds
If the initial payment was made by credit card to ITRA or any of the connected businesses we would strongly recommend contacting your bank. A Section 75 claim can be made for the initial payment and any other balance payments (even if these weren’t paid using the credit card).
If you paid via PayPal – even if you used a credit card, contact PayPal and raise a dispute via their Resolution Centre resources. Advise them of the circumstances.
If you paid by other means than a credit card, such as a debit card or bank transfer, you can file a claim through the UK courts. The most convenient way to do this is via the Money Claim Online (MCOL) service. This does involve paying fees and most likely appearing in court. You can represent yourself or consult / appoint a solicitor. We would advise that there is of course always a risk in pursuing a court claim – and that this also includes the possibility that the business could be wound up / made insolvent and / or have accounts and assets frozen.
Information is available on this link – https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/639667/MCOL_Userguide_for_Claimants_August_2017.pdf
It is worth checking your insurance policies to see whether you are insured against fraud, theft and/or dishonesty. This may be through a stand-alone policy – for example, for card protection (individuals) or employee dishonesty/fidelity (businesses) – or as part of a wider insurance product such as home contents, travel, or legal expenses.
We hope this information has been helpful. You can contact us via the following link https://timesharebusinesscheck.org/report-your-concerns/