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Get Your Money Back - CHARGEBACK Information


         

A 'CHARGEBACK' is a method of refunding your money if you used a credit card or debit card for a payment.

We use a particular rule that states that you have 540days 
from the date of your purchase to ask for a refund if you haven't received the goods or services you paid for. 
This rule is generally used for the purchase of items you book for in advance, like plane or theatre tickets etc.

INTERNATIONAL CREDIT CARD RULES SHOULD ALWAYS BE SAME.
Banks will have different rules depending on their size and proximity.


ALWAYS TRY - You have nothing to lose!


This Chargeback Information has been written around, and based upon, my fight to get affiliates money back from the PYRAMID scheme Banners Broker.  

Through my research I've discovered that the 540 day rule can just as easily be used against ANY scheme that promises you a 'service' i.e PAYMENT, in return for your hard earned cash, but fails to deliver. 


This seldom used Chargeback clause has not been used for this purpose before (it is normally used for advance ticket sales) but as you can see by the numerous success stories below, it works really well and has returned many thousands of dollars/pounds to affiliates who were conned out of their money.


Chargeback also has the added bonus of knowing that the money you've given the scammers has been taken out of their bank account directly.

No longer will these 'businesses' be allowed to get away with stealing your money.

Many are now making people sign ' No Chargeback' disclaimers, but these are worthless and will not take away your legal right to claiming back your money.


The Clock on the right-hand side of this page is designed as a GENERAL date indicator.
If your transaction was BEFORE this date you are probably to late to claim for a Chargeback.

If your transaction was AFTER this date, you have a good chance at success.


Index:

1/   Chargeback Information.

2/   Chargeback Template
3/   Additional Banners Broker Information
4/   Financial Omsbudman Information
5/   Additional Chargeback Information
6/   Successful Chargeback Notices.




1/ CHARGEBACK INFORMATION

You have 540 DAYS from your original transaction date, and then an ADDITIONAL 120 DAYS to make your claim.  Your reason is ' services not provided'.


If  you've been taken in by a scheme that has promised you money in return for your 'purchase' then contact your BANK or CREDIT CARD  company's  FRAUD DEPARTMENT,
AS SOON AS YOU REALIZE THERE IS A PROBLEM. 

Helpful hints and tips to help you when making your bank or Credit Card Claim:



1/ Don't be despondent if your initial contact with your Bank or Credit Card Company is rejected out of hand. Some staff simply do not understand the Chargeback rules and
training in this area is poor.

2/ Call centre staff have supervisors/managers. Don't be afraid to ask for them personally.
Get names/company headquarter address/phone numbers. WRITE to them directly. And most importantly FOLLOW THROUGH. Don't wait six weeks expecting to hear from them. If you have had no reply after a week, PHONE THEM (or email them).
Be persistent. Be polite. It pays off.

3/Your Chargeback claim is under 'services not received'.

4/ Tell your bank or Credit Card Company that you believe you have been scammed. Since these schemes are illegal you should be talking to their fraud department straight away. 

DO NOT GO THROUGH RETAIL DISPUTES! Different rules apply!

5/ Be prepared. Have as much information to hand before you first contact them. Any receipts/bank statements/screen shots of your account will all help.

6/ You may only claim for the INITIAL amount you paid.

7/ You MUST have put in a withdrawal request to use this Chargeback loophole.

8/ Don't be disheartened if you are refused the first time. Banks and Credit Card Companies are not charities. They want to make money, not give it away. They ARE refusing but I've had messages from affiliates who HAVE re-applied and HAVE received their money back.

THE GOLDEN RULE;
IF AT FIRST YOU DON'T SUCCEED, TRY, TRY, TRY AGAIN!

How to claim:

Payment by:

Bank debit card/Credit Card

Phone the call centre initially and ask to be transferred to there FRAUD DEPT directly and explain that you would like to make a Chargeback claim because you've been scammed.
They will advise you.

STP /PAYZA/ALLIED WALLET

Chargeback rules do not apply to these processors in the same way. 
They WILL however refund you within a set time frame.
STP - NO refunds allowed if Scheme is (or appears to be) fraudulent.
PAYZA - 45 days
ALLIED WALLET - SIX MONTHS
PayPal - 180 days.

If you funded them via your bank/credit card company however, you may still have a valid claim. CONTACT your bank/CCC DIRECTLY. 


Cash Payments/Wire Transfers 

Your only option to recover your money is to take your referrer to court.



2/ CHARGEBACK TEMPLATE:


I have been asked many times for a template to send to credit card companies(CCC) and have written one below to help you, but your first port of call is simply the telephone. Every bank and CCC has a customer call centre and it's much better (if you can) to speak to an actual person to ask advice rather than rely on a faceless email that can be discarded or misconstrued. Better still, if you have a bank branch near you, go inside and see them personally.


                      ASK FOR THE FRAUD DEPT - 

               DO NOT GO THROUGH RETAIL DISPUTES

But be warned:

They will each offer you their own INTERPRETATION of how Chargeback works.
Some of them are positive and encouraging and will give you their own Chargeback forms to fill in. Others are NOT helpful. Be prepared for a long process if necessary.




Please note:

A Chargeback is not guaranteed and if you are refused, please keep in mind that when ZEEK REWARDS was closed down, the authorities seized money/assets and the affiliates were/are receiving some/all of there money back.
IT MAY TAKE SOME TIME so make sure you put all the evidence in a safe place for future reference.

I hope this advice is helpful to you. I am always interested in success stories so please PM me any time either here or on my facebook page 'TARATALKS'.





Other Useful Links:

'Which' magazine:

 http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback  

and...

http://www.which.co.uk/consumer-rights/action/how-to-get-your-money-back-after-a-scam

CREDIT CARD payments are covered legally by Section 75 of the Consumer Credit Card Act.
http://www.which.co.uk/consumer-rights/regulation/section-75-of-the-consumer-credit-act

DEBIT CARD/BANK payments are covered by the Chargeback rules but are a VOLUNTARY CODE.

 http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback
                    
  


4/ FINANCIAL OMSBUDMAN INFORMATION:

If the bank still won't refund you, then you can threaten them with the Financial Omsbudman:

Under section 75 of the 1974 Consumer Credit Act, you are entitled to a refund. 
The head of the Financial Ombudsman Service is:

Ms Caroline Wayman,The Executive Office,
Financial Ombudsman Service,
South Quay Plaza,
183 Marsh wall,
London,
E14 9SR

0300 1239123 - UK NUMBER
Address copies of all documentation directly to her if the banks etc are giving you any grief whatsoever.
If you want any information whatsoever relating to the banking laws relating to either Charge backs or the 1974 Consumer Credit Act section 75 or the Bills of Exchange Act 1886 then simply ring the Financial Conduct Authority (FCA) on 0207 0661000 and ask to speak to the particular department that deals with this. They will email you copies of the relevant section that deals with this, when fraud has been committed. 


The head of the FCA is: 

Martin Wheatley.
25 The North Colonnade, Canary Wharf, London E14 5HS.      



5/ ADDITIONAL CHARGEBACK information:

http://www.theguardian.com/money/2008/nov/09/halifax-visa-chargeback-debit-cards



 http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback/#link-1

You can request a 'chargeback' on your account from your bank or credit card company if a transaction turns out to be fraudulent or the company has gone bankrupt. 

This is a very simple explanation of 'chargeback'. Please message me if have any queries..

There are two time limits that concern chargeback, one is 120 days and the other is 540 days.
The 120 day countdown starts from the moment you realise you have a problem with the product you've bought, either after you receive it and discover it's faulty, if it doesn't arrive or if an event that you've paid for has been cancelled.
Claims can be made after 120 days if, for example, you have paid for a service a long time in the future, such as concert tickets or a flight booking, which are then cancelled and you can't get a refund from the provider (ie. if the airline goes bust).
The cut-off point for these claims is 540 days from the date of the transaction.


So, if you book something and discover 540 days later you won't get it, then the 120 day countdown would start. If it was 541 days after the transaction however, you would not be able to claim for chargeback.


This link below has a template for requesting a chargeback

http://www.which.co.uk/consumer-rights/action/letter-to-make-a-chargeback-claim-/

This link gives you information about SECTION 75 of the Credit Card act:

http://www.which.co.uk/consumer-rights/regulation/section-75-of-the-consumer-credit-act/

This link is the current MASTERCARD CHARGEBACK GUIDE.

http://www.mastercard.com/us/merchant/pdf/TB_CB_Manual.pdf

This is the WIKIPEDIA information on CHARGEBACK:

http://en.wikipedia.org/wiki/Chargeback


Please inform these authorities to complain/report Raj and Chris in Canada:
https://www.antifraudcentre-centreantifraude.ca/
Toll Free:1-888-495-8501
Toll Free Fax: 1-888-654-9426
Email: info@antifraudcentre.ca



This Is Money' The Daily Mail :
















6/ Chargeback Success Stories:




April 19th 2015


April 5th 2015




December 1st 2014


November 10th 2014



31st October 2014


24th October 2014



23rd October 2014



8th October 2014


20th September 2014
Chargeback success




3rd September 2014
Chargeback Success

21st AUGUST 2014
CHARGEBACK SUCCESS



5th August 2014
CHARGEBACK SUCCESS

11th August 2014
CHARGEBACK SUCCESSES




:


17th July  2014
Chargeback Success



17th July 2014
Chargeback Success (soon I hope!):




10th July 2014
Chargeback success:

3rd July 2014
Chargeback Success:

11th June 2014
Chargeback Success:

27th May 2014
Chargeback success:






14th May 2014
Chargeback success:


21st April 2014
Chargeback success:

7th May 2014
Chargeback success:






















CHRIS SMITHS CHARGEBACK NOTICES (null and void):
14TH FEBRUARY 2014




 20th June 2014



READERS ADVICE/TIPS AND INFORMATION:



Many  thanks to Michael Bowe for this information:

Hi Tara, Having worked in banking for 20 years previously, I would tell anyone having difficulty with either their banks or building societies in the UK in respect of a Charge Back to go directly to The Financial Ombudsman Service (FOS) in London and send them a written complaint. You must go direct to the Fraud Dept of your bank or credit card company. Do NOT mess about talking to the Indians, go to the Chiefs!! Some banks will try and palm you off, hoping you will get fed up and go away!!! They did it with the PPI scandal and they will do it with this!!! If your bank gives you any b/s regarding your claim, simply tell them you are referring your claim to the FOS and they will then be liable for interest as well as compensation for your costs. The Financial Ombudsman Service are at South Quay Plaza, 183 Marsh Wall,London, E14 9SR & phone no is 0207 9641000. If you invested in BB using a credit card then they are liable under Section 75 of the Consumer Credit Act 1974. If you used some other payment method, then you can claim back using Charge Back. I was born in NZ and have an Australian passport. I have lived in the UK for nearly 30 years and can tell you that it is similar in both Australia & NZ to make claims back from your banks there. Could you please pass this information on to any other relevant sites that are dealing with the BB Ponzi scam. Many thanks.
 Many thanks to Steven Thomas for this info:
Good afternoon, folks - So I just got off the phone after ringing my bank (Lloyds) for the second time in talking to the disputes team about Bankers Broker and trying to get a chargeback. The first time I rang the other week, the lady told me I couldn't do anything as it was longer than 120 days. Well after I read the post on that Tara Talks blog site about the 120 days vs 540 days claim for chargeback, I rang again.

*scroll down a bit and look for The Definition Of Chargeback By Various Agencies:

http://taratalkstoday.blogspot.co.uk/p/get-your-money.html

This time I spoke to a very helpful guy who told me after I explained a few things that the admin team would proceed with refunding my money although this could be pending on them requiring further information from me (which is what I expected). If successful, he told me I would receive my money back in 10 days as that's how long it takes the investigating team to look into it and process any monies back etc.

So what I'm basically saying is get on to you bank whoever it is, speak to the disputes team and TELL THEM that you are making the claim for chargebacks because BB simply did NOT deliver on ANY front what they said as far as advertising services go, not too mention your money which you've earned which they haven't paid out a penny (and won't most likely) either. Here's the important thing to mention - make sure you explain WHY you've taken a while to report this. I said that because I obviously had to wait months for my panels to earn anything that by the time I put in for my first withdrawal back in July and realising that it would take more than 20 days to get paid, once it started going month by month without any payment that I realised something was wrong (stating the obvious here but you need to make sure your bank realises just how slimy and manipulative BB are in stalling people while fleecing them like sheep).

And because a mass payout to affiliates was promised by the owner for end of December last year, obviously that hasn't materialised either and this is why you've started to do your own investigation on the internet to find out what's going on with these people. And you have since come across information, testimonies, forum posts, blog sites and more that all point to BB not only being a highly fraudulent company or a glorified Ponzi scheme, but some of its key players have a less than spotless history of being involved in other scams too. You also want to mention the most blatant thing of all which is what BB are doing with regards to making their affiliates pay $10 each of FRESH MONEY into the scam, sorry 'company', to enable us to keep our accounts from being terminated in 90 days.


Also mention the admin and traffic pack fees that are being taken out of your earnings in your ewallet and the fact that by you rightly refusing to pay them anymore money ESPECIALLY when they owe YOU money and that they should be able to take it out of your earnings (only there clearly ISN'T any, it's just virtual numbers on a screen), you are going to end up losing both your account (even though I'm sure you want to at this point, I know I do) but worst of all, it strings the time element along even further making it all the more harder, maybe even impossible for you to claim back any money through your bank.

This is a basic outline of what I talked about so feel free to use this but obviously put your own take on it because after all, it is your money and your claim.

I really hope this helps you and I will let you know what develops further from this. My guy said that most likely the bank will want to launch a proper investigation if the company is fraudulent as they want nothing to do with a company like that (no sh**??!!) I told the guy that there's simply not enough people kicking up an almighty stink about them and that's why (coupled with their knowledge of scamming) they are able to get away with it and seemingly dance around the law etc.

Best of luck to you

*I used my debit card to originally pay for BB so for those of you who used a credit card, you SHOULD by rights have an even better chance of getting your money back (see this link for an explanation on Section 75 of the Consumer Credit Act):
http://www.which.co.uk/consumer-rights/regulation/section-75-of-the-consumer-credit-act



Update 27th February 2015.

WUN is now the subject of a Multi-million dollar law- suit.
Interesting to note though that Chargeback was used by affiliates to get there money back:



201 comments:

  1. Hi, TARA I'm also another BB victim, I've had so much patience I feel like in Mahatma Ghandi. I shall soon be starting my chargeback from the bank. I paid via Bank using a debit card and the transaction was in FEB 2013. Where can I find templates and also I would like a copy of the terms which I will email you for shortly.

    PS You're a Banners Villian but a peoples champ :) Mo

    ReplyDelete
  2. Hi everyone, I am too a banners sucker - currently waiting for ANY of my money back.Today I have posted a stern letter to BB hq in Belize and emailed Allied Wallet. Might try the credit card company also.

    Any other ideas?
    Matt

    ReplyDelete
  3. Tara, Can anyone that is owed money by BB apply to be a creditor or is it only if you are an Irish Investor? Thanks

    ReplyDelete
  4. Hello Anon, yes. EVERYONE in this worldwide scam from Indonesia to Iceland and Russia to China can apply to be creditors...

    ReplyDelete
  5. FINALLY!

    After a month of back and forth with my bank and after all my efforts to send them all the evidence I could (including of course about the liquidation proceedings), as of today my money has been credited back to me.

    The moral of this story? If you know your rights and you are within the 540 day time frame with your chargeback claim, DON'T GIVE UP. I know I was in the right and I made damn sure to stand my ground. Banks clearly do not like trying to claw back money on your behalf, but we are not the ones in the wrong here. Banners Broker are.

    So once again to Chris 'Smiffy' Smith and all his heinous minions of misery - You CAN all royally kiss my a** xxx

    A big shout out to Tara and all the diligent and helpful folks who post on Realscam and Banners Broker Ponzi Scam Facebook page to name but a couple of places - your help, advice and friendliness to assist others is very much appreciated and I wish all of you who haven't been paid yet the very best success in doing so :)

    ReplyDelete
    Replies
    1. Thank you Steve! Thats wonderful news.Well done!

      Delete
  6. hi tara,

    thanks for this post, its a lifesaver. when i started BB, my referrer told me to just wire it to their bank and they will transfer me my panels so i used them instead of allied or stp. would i still be able to get chargebacks?

    ReplyDelete
  7. Hi Jonathon, unfortunately no. You only have two options open to you if you paid cash. Firstly, sue your referrer (difficult to proof unless he/she is a well known recruiter) or secondly, add your name to the creditors list. Remember to take screen shots of all your pendings. It is your only PROOF. Good Luck!

    ReplyDelete
    Replies
    1. i paid them through my debit account. does that still count as cash? and how do i add my name to creditors list?

      Delete
    2. Yes, I'm afraid so. You won't be able to get a chargeback on a personal account in the same way that you would a business transaction. The info on creditors is all on the home page...

      Delete
    3. I am from India?How do I go about claiming the CashBack?Have lost around 1 lakh by investing in this ponzhi scheme?Please help TARA

      Delete
  8. So it looks like my credit card that was earlier refusing, are now going to refund me. I just spoke to the person handling my "complaint" case - I complained that they ruled against me originally and that escallated my case to a complaint. The person I'm dealing with was initially very cold but today he was very nice on the phone and essentially said that with all the info I've sent in (and I've sent Mounds and Mounds of evidence and back up to my claims, etc) he could see that the trading practices of the company were very questionable.

    Further, one thing that seems to help is that I've received a chargeback from a different credit card in the meantime and that seems to help the case. In fact that was one of the main reasons they opened me a complaint case, because I said that I knew 5 people who'd been granted chargebacks from other cards in the exact same circumstances so why not me.

    No one wants to hear that someone else is doing a better job than them and so that seems to help.

    I'd say that this might help other people - if they know someone personally or through one of these forums in more or less the same circumstances as they are in (similar time frames, same type of card, etc) and that person has received a chargeback/refund then it will help their case if they use that information when one of the banks is umming and ahhing about it.

    Also send in lots and lots of back up documentation. They don't like having to do the research for you and if you're lazy in providing evidence then your case will not go smoothly, or won't go at all.

    Hope this helps some people.

    ReplyDelete
    Replies
    1. Thats brilliant news Anon! Well done!

      Delete
  9. Hi Tara, I am looking to apply to my bank for a chargeback (have the letter and evidence together and will go see them tomorrow). I paid using my visa debit card and that went via Allied Wallet. Is the chargeback route still apporpriate for me? Thanks, DL

    ReplyDelete
  10. Hello Anon, the chargeback route is always worth trying. If you tell them that BB has been liquidated it will help your case. You can also apply to be a creditor, information is on the home page.

    ReplyDelete
  11. Hi,

    Can anyone point me in direction about the 540 days rule? I just spoke to Barclays today who said they have never heard of this and are only aware of 120 days. They looked into it in great detail and still declared it not relevant and asked me to write in and explain where exactly this is written.

    As far as i know it is not under section 75 of CCA which assists credit card payments, can anyone share information for visa debit card payments about 540 days rule

    ReplyDelete
  12. Jim, the link is above under 'Definition of Chargeback rules'. But your post illustrates perfectly how bank staff DONT know the rules. Barclays HAVE given chargebacks to many people who are way beyond the 120 day rule. Did you phone the call centre or speak to a manager?

    ReplyDelete
  13. I phoned the call centre who then passed it onto the legal team who after much deliberation decided as it was past 120 day rule they could not assist. I was then told to write in and explain the 540 day rule to see if a case could be open. I take it the link to send is the which consumer one? I am writing a letter to them now with view to obtaining a positive response

    ReplyDelete
    Replies
    1. Yes Jim, I hear this time and time again. By all means give them the links on this blog...Good luck!

      Delete
  14. That pesky 120 day rule again! Tell them its FRAUD, Good Luck...

    ReplyDelete
  15. Hey , I want to get my money back but I not know how , I déposit money with
    payza please can you help me to get my money back from Banners Broker or get
    a chargeback with payza thanks.

    ReplyDelete
  16. Hello Drouche, all the information you need is on this page.

    ReplyDelete
  17. I 'll be very happy if you could help me :

    I paid my two deposits the first on 2013/01 / 12 6:12:58 AM , the second on 2013/05/05 , I payed them with payza , I 'm living in ALGERIA , and I never had any Money from them, and I have one withdrawal still waiting there, been 4 months.. can I get my Money back, and if so, how? I need immediate help with this, please

    ReplyDelete
    Replies
    1. Hi Drouche, see answer below and my PM on facebook...

      Delete
  18. Hey , a chargeback with payza I don't find on this page ?

    ReplyDelete
  19. Drouche. If you funded PAYZA with cash your options are limited and PAYZA may not refund you. The chargeback rules don't include them. HOWEVER, if you funded payza via a credit card/debit card you still have some hope of success. Contact them personally and get there advice.

    ReplyDelete
  20. Hey, I have today received a follow up from CC company asking for following. Could anyone please assist with best information to send back/ links/urls etc? I may have a case if they warrant the information provided sufficient

    1. A detailed letter explaining what was purchased and the reason for your claim
    2. You have advised that the product was misrepresented to you please evidence this i.e. who said what? verbal or written? can you provide documentary evidence of misrepresentation (brochure), Where and when was it communicated? How did you rely on the communication? How are these representations false? Can you provide proof? When did you realise that the representations were untrue?

    Any assistance would be greatly appreciated

    ReplyDelete
  21. Jim, tell them that you were conned into buying advertising panels that don't exist.
    Tell them that Banners Broker has been liquidated and had its assets frozen because the judge, to, thinks its a scam. The questions your CC are asking are based on BB being a REAL business which it isn't. Ask to speak directly to there fraud dept and by all means give them a link to this blog. It has all the info they will ever need...

    ReplyDelete
  22. Hello Tara,
    Nice blog!
    Do you now if the chargeback-option only for credit card transaction or also for normal bank tranfers. Becaue i used Use-My-Funds to load bb.
    Thanks! (Sorry for my English i'm from gerrmany

    ReplyDelete
    Replies
    1. Thank you anon! The chargeback option is for credit cards and bank accounts. I'm not familiar with 'Use-My -Funds', but if you paid them with a bank transfer or credit card then you may be lucky. Give it a go, you have nothing to lose by trying. Let me know how you get on?

      Delete
  23. Hello Naveed, all the information you need is on this page...

    ReplyDelete
  24. Hi Tara
    I joined BB in Feb 2013 and paid by CC. I also encouraged my friend and my son to join and I paid by MY CC on those occasions too. I put in for a payment in August last year and needless to say am still waiting. Then they "blacked out" for 10 days and we had to pay $10 to keep it live. I have since put in for another payment of $115.42 (the most they said I could draw) and am still waiting. We were encouraged to join World e Wallet but there seems to be a "problem" with their site so the other 2 cannot withdraw from the legacy wallet as there is no facilities. I am with STP but they are not. What do you suggest I do? BB have had many support tickets from me especially pre black out but they are no longer kept on the site. I have already sent 4 this time but they are a waste of time. What sort of info do CC companies need and should I attempt all 3 at the same time or individually? I'm talking chargeback here. I funded Allied Wallet from my CC each time.

    ReplyDelete
    Replies
    1. Hi Anon, as your account is effectively dead the best option for you is to apply for Chargeback from your CC company. All the info you need is written above us. WeW will never function properly because Chris owns it and STP are only a payment processor. Chargeback is definitely your first point of call. Good Luck!

      Delete
  25. Hi Tara
    I emailed you regarding using my CC for myself, my son and my friend. They now have payments pending and of course won't receive it but is it best I wait 15 days for BB not to pay and claim all 3 payments back at the same time or try them individually? I have not done this before and I don't want to ruin my chances of getting it all back. Do CC co need to know who the payment was on behalf or do they count it as just mine? PS - my name is Lesley

    ReplyDelete
    Replies
    1. Hello Leslie, I have replied to you personally but for the benefit of our readers, I have advised Leslie to apply for a chargeback right away and not wait, as by the time the bank starts communicating the time limit would have elapsed anyway.

      Delete
  26. Dear Tara, Please advised

    I have been in contact with my bank (NATWEST) for a chargeback, spoke to the supervisor who told me they cannot do anything as they need more proof of how much banners were going to pay me and by what method. But due to banners now asking for more money to gain access I am unable to do this. My account with BB started on the 07/11/2012 so it falls within the 540days which the bank are not disputing.

    ReplyDelete
    Replies
    1. Hello r3dandgr33n,
      I have replied to you personally. My advice was to contact the Fraud dept at Natwest.

      Delete
    2. Hi Tara, fo some reason I'm unable to see your personal messages, where is it being sent to?

      Delete
    3. I'm sorry to hear that, by co-incidence the lady who posted below is also with the Natwest so the advice is exactly the same:


      As you have no proof of a withdrawal request, my advice is to bypass customer services and go straight to their FRAUD dept. As Banners Broker has been Officially Liquidated by a judge and its assets frozen, the bank can hardly say that there is no proof of a scam!
      We have had a great success this way already so don't be deterred, be determined!
      Best wishes,
      Tara,

      Delete
    4. Hi, tara. I've spoken to the fraud team and they are telling me it isnt their department that deals with it, its retail disputes (basically the chargeback team, who i have already spoken to and said they need proof) the fraud team are saying its a scam, they only deal with it if someone else made the payment with my card. Helo!! :(

      Delete
    5. Here we go again lol I despair of banking staff sometimes! Go back R3. Tell them that BB has been liquidated and there assets frozen. That BB is a pyamid scheme and you were scammed.If they won't listen, go to there complaints/escalation dept. Perserverence is the key here! Don't give up, it will pay off in the end....

      Delete
  27. Hello Anon, I have replied to you personally. My advice was to contact the Fraud dept at Natwest.

    ReplyDelete
  28. Hi Tara

    Me and my brother joined BB in Nov 2012, can we still request a charge back, I dont have any screenshots of my account, the only evidence i have is bank statements showing money transferred to Allied wallet.
    Thanks - 2jan

    ReplyDelete
  29. Hello 2Jan, It depends when you first made a withdrawal request. All the info you need is on this page...

    ReplyDelete
  30. Hi

    I have been asked to supply contract/invoice/receipts showing what was purchased and how much was paid. Also need to supply evidence of balance payment

    Can anyone send me links to where I can obtain the relevant info to send?

    ReplyDelete
  31. Hi Jim, the bank has asked you or the liquidators? All this info is something you should have in the form of receipts for the money you paid BB or a bank statement showing that money went out? Any monies paid to you would also have some proof? The money in your BB account is worthless and has no value.

    ReplyDelete
    Replies
    1. Hi Tara,

      Thanks for your reply, I am actually being asked this by my credit card company. Just wanted to know what would be the most effective information to send in order for this claim to be processed

      Delete
    2. The proof that BB has been Liquidated is definitely your best defence. All the info is on this blog. You are welcome to send them any information here that may help you. But as long as you have proof of purchase then you should be ok...

      Delete
  32. Hi Tara, I saw your post in regards to rules of chargeback that banks may be able to charge the money back within a period of 540 days of discovering the scam. I have been registered with BB since April 2012 (760days) and my first withdrawal request was made in June 2013 (470 days). I rang my bank (HSBC) to try and request the chargeback however they are insisting that it is too late as the chargeback can only be requested within 120 days. I have mentioned about 540 days but they say that it would not apply either because my payment to BB has lapsed 540 days too. Any advise on the above would be very much appreciated as I got an impression that 540 days apply from discovering the problem and not from the payment date?
    Thanks a lot, Vlad

    ReplyDelete
  33. Once again, the banks are giving out incorrect info! If your first withdrawal request was made in June 2013 then thats when the clock starts ticking and you are claiming under 'services not provided'. If they still quibble with you, go straight to their fraud dept and put in a claim there. You have been scammed, pure and simple.

    ReplyDelete
  34. I was told by adviser (Lloyds bank) that I have 120 days from the date when that company has gone to bankrupt, may it help you.

    ReplyDelete
  35. They are wrong I'm afraid, Either inadequate training or they are trying to fob you off. Time to bypass customer services and go straight to there fraud dept. You have been scammed, thats criminal. You are entitled to a Chargeback.

    ReplyDelete
  36. Hello Tara! I found that email and I sent to debit card disputes department that letter which I showed you on Facebook and the rest of documents, I added what you advised me and today I have got money on my account .Thank you so much!

    ReplyDelete
    Replies
    1. Hi Anon, could you tell me please hove many days it was after you join the BB, before you contact your bank for a first time.?

      Thanks a lot

      Vlad

      Delete
    2. Hi! I paid my first money to BB on 30/01/2013 .I was at my bank 3 times ( 05/05/2014, 19/05/2014, 20/05/2014) third time I found man who wanted to help me.I sent letter with full description about whole situation and the another documents on 22/05/2014 and 27/05/2014 I got money on my account. That man told me that I had 120 days from the date when that company bust up ( from 26/02/2014) and 540 days from when I paid second time to BB it was on 14/03/2013, but Tara said we have 540 days from the first withdrawal. I did not argue for I had still time even from 30/01/2013 it was about 480 days( limit 540), from 26/02/2014 86 days (limit 120).If you need something else I look here every day. Good luck.

      Delete
    3. Banks are all interpreting the rules differently and giving out lots of different advice but the golden rule is that you have a TOTAL of 660 DAYS FROM THE FIRST DATE YOU PUT IN A WITHDRAWAL REQUEST TO BB. And you are claiming under 'non receipt of services'. Every piece about Chargeback in every mag or newspaper etc has conformed this so don't be afraid to show the bank these posts. VERY glad you got your money back Anon!

      Delete
    4. Hello Anon thanks a lot for your replay. Your information is very helpful as my bank refuses to process the chargeback because the transaction is too old. Would you have a draft letter to send it to the bank? Did you complete the chargeback form? Which bank are you banking with? I would be very grateful if you could drop me an e-mail with info. My e-mail is zzzvladxxx@yahoo.co.uk

      Delete
    5. Hello Anon, have you read the blog above in full? It answers all your questions.

      Delete
  37. Thats brilliant Anon! Very pleased for you!

    ReplyDelete
  38. Hi, if we paid by credit card which is via allied wallet to BB are we still covered by Credit Card Sec 75?

    ReplyDelete
    Replies
    1. Hi James, this is a grey area. Chris uses payment processors to try and avoid chargebacks in the first place. My advice is to contact your CCC and begin the Chargeback process anyway. But go straight to there fraud dept and avoid customer services if you can. Tell them you've been scammed and follow th process through. All i can honestly say is that some HAVE managed a chargeback via this route and some haven't. Give it a go. You have nothing to lose by trying.

      Delete
  39. Chargeback information above is priceless, thanks for that. I have just got off the phone to Barclays who after much deliberation said I was right with the 540 day timeframe however my claim is only possible via Visa and that I would need to go citizens advice in order to raise the claim.

    They were insistant this is only way, any one offer any direct contact details for Visa or way round this?

    ReplyDelete
    Replies
    1. Update on this, i had lengthy chat with CC company who requested i tell them all transactions both on the CC and other cards, when i asked why they said they are obliged to retrieve ALL monies paid not just the one via CC. Fingers crossed!!!!

      Delete
    2. Nice one Jim! Looking forward to a good result on this one!

      Delete
  40. Dear Tara,
    I notice in one of your comments above of 29th May you state that the 660 day rule is confirmed in every mag and newspaper. Can you please put some of these confirmations for us to forward to the banks to convince them? They are giving us a hard time insisting on a total of 540 days. Please provide us with some of these so we can forward to them because we tried everything.

    Thank you

    ReplyDelete
    Replies
    1. Hello Maria, all the links you need are on this blog. The 'This Is Money' pics confirm what I've said and if you google 'Chargeback' that will give you confirmation as well. But at the moment, my advice is to go through the banks fraud dept and tell them all about BB.

      Delete
  41. Hello Dearest Tara

    any chance of more advice.

    I lost £6000 to someone who had referred us. I paid them by bank transfer and they transferred panels to us.

    I was also controlling accounts for someone who paid 2different people in a similar way cash etc over £30000 , and panels were transferred to numerous accounts to maximise the amount withdrawable.

    how would I fair in court against these people

    ReplyDelete
  42. Hello Anon, your only hope (apart from expensive court action) is to go onto the Creditors list. Paying people in cash is the worse case scenario for anybody, My advice is too get all the evidence you have including statements, receipts, text messages(?) emails anything that can PROVE you paid the cash and file them safely. Then contact Paul at David Rubins, contact info above. Good luck.

    ReplyDelete
    Replies
    1. thanks Tara, i appreciate it

      Delete
  43. Hello,
    I'm a US member and was conned into paying my initial investment via bank wire to G Cubed Media of Ocala, FL. Everything I have read says there is no hope for recovering any money because I used the bank wire to pay for the account. By any chance, do you have any info that may help me get something back from these crooks? Thank you ahead of time!

    ReplyDelete
  44. Hello Anon, Chargeback isn't an option for you in this case, but the Liquidation proceedings certainly
    are. Contact them (if you haven't already) and go onto there list :
    Paul Appleton @ David Rubin and Partners.
    Email paul.cooper@drpartners.com.
    020 7400 7900

    ReplyDelete
  45. Hi Tara,
    I want to know if I can contact the CCC directly for my money. I paid through bank transfer to activate my panels.
    Thanks for the charge back information. I'll work on this ASAP.

    ReplyDelete
  46. Hi Tara,
    Thank you so much for this charge back information. I'm going to work on getting back every cent from BB asap. I paid through bank transfer about a year and 5 months now. I got suspicious about BB when my account was blocked, and wanted me to pay a $15.00 USD fee ($100.00TTD) to unlock my account. They (BB) threatened to flush out all inactive accounts.

    ReplyDelete
  47. Hello eye witness, yes, you need to contact your CCC directly. Go straight to the FRAUD dept, its quicker and the best option now. Good Luck!

    ReplyDelete
  48. The banks are all arranged differently and their departments have differing names but generally the Fraud department is NOT who you need to speak to. It should be regular customer services or a disputes team.

    ReplyDelete
    Replies
    1. I disagree in my case because I went through those avenues FIRST and got the run around for nearly a month before they turned it over to the fraud dept who sorted it out within a week (Lloyd's Bank is who I'm with and it was a debit card payment).

      I think it's best for people to go straight to Fraud Dept FIRST and foremost

      Delete
    2. Agreed Steve. Our best successes have come from the banks FRAUD DEPT. Going to Customer services now is a waste of time. You have to escalate everything, perservere, and don't be fobbed off. Above all, don't take 'no' for an answer.

      Delete
  49. Your correct anon, they do all have different names. But we have had great successes by going through the Fraud depts of some banks. The banks probably aren't to happy with this advice. Tough. They all have the resources to help bring BB down. Hopefully they will soon start taking notice.

    ReplyDelete
  50. Hi Anon,
    The only evidence you need is the money that you originally paid them. If this is the customer service dept that you went through then go to the FRAUD dept instead. You have been the victim of a scam. You were promised a service that you did not receive i.e PAYMENT and are entitled under section 75 of the Consumer Credit Cards Act for a full refund. Feel free to quote me! If they still say no, get the name of this persons manager, go higher, and if that fails, you can complain to the FCA. Details above.

    ReplyDelete
  51. It might not be 'technically correct' but it works, we've proved it. The louder we shout, the more we get heard. The more we get heard, the better chance there is of money being returned.

    ReplyDelete
  52. Hey Tara,

    I too have fallen for BB's trickery way back when I was trying to find ways to make passive income online.

    I paid $2600 USD total on July 27th, 2012. I never tried to withdraw any of my funds because I was putting all of the so-called "profits" back into panels. By the time I considered withdrawing, I'd already read hundreds of horror stories of people not seeing a dime.

    In a sense I'd already accepted my loss.

    I guess my question is: Am I doomed since I paid all the way back in July 2012? And also because I never actually requested a withdrawal?

    Thank you for all that you do

    ReplyDelete
  53. Hi Monies plz, it sounds like you paid by cash? If that's the case then you can still contact the Liquidators and go onto the creditors list. It will take longer than Chargeback but you should still get some or all of your money back eventually. If you paid by CCC or bank then my advice is to try for a Chargeback anyway. You might have a sympathetic person to help you and get the matter resolved quickly, or not. Either way, if you don't ask, you won't get. Good Luck!

    ReplyDelete
  54. Hi

    I am trying to help a friend get his money back -

    His banners account was paid via a Barclaycard and they are saying Upon investigation the name of the merchant that has debited the account is "E.W Banners" This means that the supplier portion of "the debtor-creditor-supplier" crtieria has not been met. E.W. is an E-wallet used to take payments to this company and is classed as a third party.

    I know many friends that have got money back and I am sure people have overcome this objection on this page and look forward to hearing your suggestions.

    With thanks

    ReplyDelete
    Replies
    1. Anon, I am guessing you were the previous 'ANON' who made comments about banking systems? My previous reply stands because the majority of agreed Chargeback claims (of which there are numerous examples) have come from 'Third Party' Chargebacks because BB has always insisted on a payment processor to channel the funds. It hasn't been a reason to prevent Chargebacks before, so Barclaycard have no reason to with-hold a Chargeback based on Third Party reasoning.
      I have been advising on Chargeback for many months and have had feedback from many, many affiliates. The majority tell me that ALL CCC have refused their request in the first instance and have given them huge hoops to jump through.
      The affiliates that are successful are the ones who stand there ground and don't give up.
      Ultimately, all Chargebacks are (or should be) claimed back from Banners Broker by the banks or CCC themselves. This will hasten BB's demise, which another reason why I push Chargeback so hard.

      Delete
  55. Thats just an excuse Anita. Try again. This time say that you want to speak to their fraud/escalation dept.You have been scammed. Period. BB have not provided the services they promised you i.e they haven't paid you! Feel free to direct Barclaycard to this blog and the numerous success stories posted above. Don't forget to mention that they have been LIQUIDATED and their assets are frozen. That usually does the trick! Let me know how you get on?

    ReplyDelete
  56. Hi,
    Live in Ireland tried the Bank, Credit Card,Financial Regulator, none of them can help. What should I do they all say all you have is 120 days to claim back

    ReplyDelete
  57. Hello Anon. The answer to your question is all in the above post. The 120 rule does not apply to you. You have 660 days. Please read the information above first and then message me if you need any more help. Thanks.

    ReplyDelete
  58. Hi Tara, Me and my wife paid money directly to individuals in Nov 2012 and via Allied Wallet and EWallet. Due to timescales and reading comments would you say contacting fraud department via bank a complete no go and just register as a creditor with the solicitors. Just wondered if anyone who has had panels transferred to them has had any luck getting funds back. Thanks

    ReplyDelete
  59. Hi Anon, any cash payments you made are lost I'm afraid unless you take your referrer to the Small Claims Court. And if you made your payment to Allied Wallet through your bank/CCC then it is still worth a shot. But your best bet now is to join the Creditors List.

    ReplyDelete
  60. Anon. Banners Broker is dead. The sites are closed. The facebook pages and twitter are deserted. Your webinar was cancelled with no explanation. And to top it all there are three hundred pages of damning evidence from the Canadian Court judgement against Chris Smith DECLARING HIM INSOLVENT. How exactly is the company going to pay you?

    ReplyDelete
  61. Hello all. I'm compiling my list (at last) but I notice that for several of my family's accounts (all of which I handled) I channelled the money through STP (doh!). It will be difficult to show that the funds were directly intended for BB accounts, which is a pity as it's several thousands.

    I therefore wonder - does anybody have any experience of a successful claim based on the same 'problem'? And thank you for sharing :)

    ReplyDelete
  62. Hello JP. If you funded STP via your credit card/ debit card then it is still worth a shot at applying for a Chargeback. But registering with the Liquidators is your best hope now.

    ReplyDelete
  63. Hello Tara I write before on your block with questions about charge back, thank you for the answers again. I start the charge back about 4 month ago and now after a lot of phone calls and letters they send me another letter asking about my contract with BB, and I told them (the Bank people), that only think we have to agree to term and condition (I send it to them). Now they say if I don’t have contract they can’t do anything. Can you give me some advice please, what I should tell them next about this contract?? Thank you very much, Vlad

    ReplyDelete
  64. Hello Vlad. Contracts have not been a major reason for refusing a Chrgeback so I'm not sure why they would say that but it sounds like they don't understand the nature of your Chargeback. Go straight to there FRAUD dept and tell them that you are the victim of a scam. Tell them that Banners Broker has been Liquidated, there assets frozen, and RECEIVERS have been appointed in Canada..And above all, do NOT wait for an answer from them. KEEP phoning them. Everyday if need be.

    ReplyDelete
  65. hello tara i also have a problem. i paid with payza so my question is will they refund my payments. i paid bb in september 2013. Maybe you can give me some tips what to do. i also ask for a proof of debt form for asking mu=y money back.

    best regards willem

    ReplyDelete
  66. Hello Willem. You have probably missed the payza refund window now. But there is no harm in trying. Your best bet now through is the Liquidators.Info at the top of this page.Good Luck!

    ReplyDelete
  67. Hi I put $5,000 into Banners Broker on 21 October 2012 714 days ago am I to late to make a cliam from Allied Wallet?

    ReplyDelete
    Replies
    1. Hello Anon, please see reply below, it applies to you also. Thanks.

      Delete
  68. Hi Tara and finally you were correct. BB was and is a scam. A normal company would inform their affiliates or employees on what is happening but BB does not intent to do that. This is a SCAM reaction.

    I paid to BB $1250 on August 2012 and then $ 4750 on September 2012. That is total of $ 6000 and BB paid me once the amount of $ 200 4-5 months ago.

    Tara is there any chance to get my money back ? If yes please tell me how or give me a link please. Thank you

    ReplyDelete
  69. Hello Anon, I can only offer the same advice as above. If you paid by Credit Card or Debit card then yes, you have a shot. Please read through it all. It is long, I know, but it has lots of tips collected over many, many months. Best wishes, Tara.

    ReplyDelete
  70. Hello.

    I want to get my money back, but the problem is that I didn't make payment to BB. I sent money to my sponsor, and then he sent me to my BB account the package to start (red, which was $1200). Now I can't find contact info to him. I have no idea what to do. Can you help me?

    ReplyDelete
    Replies
    1. Hello Lukasz, Your only option in this case is to apply to the Liquidators, link at top of this page.

      Delete
    2. And how can I contact Paul Mc Carthy? Because I don't know how exactly apply to the liquidators...

      Delete
    3. The link is on the home page Lukasz.

      Delete
    4. Thank you. I didn't notice. I hope I will make it and get my (and not only mine...) money back.

      Delete
  71. Hi Tara, Thank you sooo much for all your hard work on this site, we thought our money was totally lost, but now we realise that we have a chance of getting some of it back :)

    May I ask a quick question? I have all the paperwork ready for a chargeback via the bank for our separate accounts, however I do not know the date on which I requested our payment, as the BB site is now closed - any suggestions on how we address this? or is it not that important now that there is a court case & previous cases of settlement?

    ReplyDelete
  72. Hi Anon - many thanks. All you can do then is take an 'educated guess'. Add a year onto the date when you joined. It probably won't be that far out and you are also still probably with in the total Chargeback time frame of 660 days.

    ReplyDelete
  73. Hi, I've been asked by the CC company for a contract...should I just send in the terms & conditions from when I joined? The money I'm trying to reclaim is not just initial package purcahse, but subsequent additional funding for extra panel purchases.

    ReplyDelete
  74. LJ, the T&C's are on a page here yes. But as it is was a scam they are worthless. You may want to point the bank in the direction of all the Spergal links at the top of this page...

    ReplyDelete
  75. hi tara i joined on the 9/9/12
    i guess we are out of the 640 days for a refund , it was only $300 i paid in

    ReplyDelete
  76. Yes Glenn, I'm afraid so. The cut off point is around May 2013 But you can still join the Creditors List, At least you may get SOME of it back.

    ReplyDelete
  77. Hi Tara I joined the BB rip off 10 Aril 2012 to the tune of £3056.00 and didn't realise anything was wrong until after liquidation as I have been working away. Do I have any chance of getting anything back.
    Dave Cheshire

    ReplyDelete
  78. Hi Dave, Chargeback is no longer a guaranteed option for you, but if you paid by Credit Card, you may still be able to get some back. Some companies are more sympathetic than others. Realistically through, your best bet is probably the Liquidators. See my Liquidators page for more details.

    ReplyDelete
  79. Hi Tara , I joined BB on 5th of March 2013 , I paid $1230 and one month later $2330 ! Since then I just got paid $200 on June 2014 ! Do I have a chance to get my refund ???
    thank you very much

    Marios Paxinos

    ReplyDelete
    Replies
    1. Hello Marios, unfortunately you are now just outside the time limit for Chargeback (May 2013). But you can still apply to the liquidators to join the Creditors list.

      Delete
  80. Hi Tara, thanks for all your work in helping people claim their money back.

    I joined in August 2012 and paid £8,000 altogether by credit card. According to your article the time limit to apply for a chargeback is 660 days (540 + 120) from the date we applied to withdraw. Can you confirm this is correct? - Natwest have declined my request for a chargeback as they state I am outside this period.

    Thanks

    James

    ReplyDelete
  81. Hi James, in theory, yes. But the Chargeback windows are all closing rapidly now unfortunately. The 540 day limit is from your transaction date and at any time with-in that period i.e the date when you realised BB weren't going to pay you, you then have a further 120 days to claim. A year or so ago when I first started this page, the timings weren't so important. Now they are, which is why some of the older advice posted here is now conflicting. Unfortunately for you, the window has closed, but I would still advise you to try. We are still getting good results from sympathetic Credit Card companies despite the rules. Realistically through, your only real hope is the Liquidators Crediors List.

    ReplyDelete
  82. Hi All,

    I was told by my bank that need to try and show a link between ew banners and 3rd party payment operator (Allied Wallet) in order for them to look to pay out that amount,

    Can anyone help with specific documentation that shows this? Is it present in the terms and conditions anywhere?

    ReplyDelete
    Replies
    1. EW Banners is just an abbreviation of ELECTRONIC WALLET BANNERS.

      Delete
    2. Hi Anon, EW Banners is an abbreviation of ELECTRONIC WALLET BANNERS.

      Delete
  83. Hi All

    I have finally had an agreement back that my refund will be processed!! It is only the refund I paid via my credit card but it is a start! The rest was on a debit card BUT the interesting thing is IF i can provide a document or evidence to show a clear link between Allied Wallet and EW Banners, they will look at refunding even the payment made on the debit card (which is with different provider!)

    ANyone able to share anything that I may use to send to them?

    ReplyDelete
  84. Hi Tara,
    I paid my introducer by bank transfer, so I presume there is no way of getting any money back from my bank?
    Is it too late to join the creditors' list?

    ReplyDelete
    Replies
    1. That's correct Stevie, but it isn;t too late to join the creditors list

      Delete
  85. Hi Tara,

    Thanks you so much for this blogspot.. I was able to recover atleast the money paid for BannersMobile using the chargeback claim. As for the loss from Bannersbroker, i have applied now to the liquidators.

    Many thanks again,


    JR

    ReplyDelete
  86. I am trying to do a Section 75 claim from my credit card company. My payments (outside the chargeback - I already got £3k back from chargeback) were made through STP and my credit card statement shows the payments going to "EW-Banners". The credit card company have said that I haven't proven that "EW-Banners" is the same as Banners Broker - does anyone know how I can do that?

    I'm awaiting a response from STP, but I'm wondering if there may be a document in the liquidation files that might help - I've tried looking, but there's so much it's hard to find things!

    Thanks
    LJ

    ReplyDelete
  87. Hi Tara,

    Do the charge-back info apply to any country? I am from south africa.

    ReplyDelete
  88. This might be all too late for me but here's my situation... I funded 3 separate money transactions by UK bank transfer using my Northern Rock account into Allied Wallet. These were done in mid to late 2012 but I never put a withdrawal request for at least a year.

    Is it worth trying to claim a charge back in this case?

    I also don't know how to prove the withdrawal dates or funds deposited because BB website cannot be accessed?

    Any advice would be great and thanks for all your efforts

    ReplyDelete
    Replies
    1. The liquidators are your only hope now Neil.

      Delete
  89. Hey Tara , I have about 1500 euros invested in banners broker. The website is blocked I can not get there anymore. How can I get my money back ? you have an idea ? I have the impression that you can arrange it. I would be very happy if you can help me with this problem. My details are: name Burak Ekizoglu , username style_b , 18.08.93 , email burakekizoglu28@hotmail.Com. Thanks in advance !

    ReplyDelete
    Replies
    1. Hi Anon, you need to contact the liquidators. Info on the Liquidation page

      Delete
  90. i have been trying to reach the law firm that was handling the liquidation in England, they have disappeared and i cannot find any info on them. help please!

    ReplyDelete
    Replies
    1. The law firm hasn't disappeared Garth. Contact details are on my Liquidation page.

      Delete
  91. Hi Tara

    I have made a claim under section 75, my bank is requesting proof that a breach of contract or misrepresentation occurred despite me directing them to the web site of the liquidators and court proceedings. What information do you recommend I give them? Terms and conditions?

    Thanks

    Nav

    ReplyDelete
    Replies
    1. If the bank won't accept the fact that they've been liquidated AND the website is closed, you need to talk to somebody else. Are you in contact with the FRAUD dept or cust services? If your bank is featured on my Chargeback success stories, you could show them that? Time is getting on now for bank refund successes. The liquidator is probably the best option for you now, but keep going as far as you can with your bank in the meantime.

      Delete
  92. I accidentally came to this site while trying to get information on Banners Broker where I too had invested in 2012 and have lost money.
    Your information is eye opening and very useful.
    Thank you very much Tara

    ReplyDelete
    Replies
    1. Many thanks Aditya, you can still apply to the Liquidators for the return of the money you lost at Banners Broker. See my Liquidation page for details.

      Delete
  93. Hi Tara,I made a wire transfer back in october 2011 to BB bank account and can raose a statement for evidense would i be able to claim that back via my bank which is Santander in UK?

    ReplyDelete
    Replies
    1. Hi Anon, no, its to late for that. But you can still join the Liquidators Creditors list. Details on my Liquidation page,

      Delete
  94. Thanks for updating us with the nice information.

    ReplyDelete
  95. Hello Tara, the payment processors weren't helpful so I did a chargeback on June 2nd with my bank. They called me 2 days ago asking me for proof, etc and I'm waiting on them to take a decision. I really hope they're going to help get my money back. Thanks a lot for your useful blog and kind words.

    God bless

    ReplyDelete
  96. Hello Tara , Is there any chance to claim the wire transferred money back?

    ReplyDelete
    Replies
    1. Highly unlikely, but ask your banks fraud department anyway? Good Luck.

      Delete
    2. Not a wire, no, sorry.

      Delete
  97. Hello Tara,

    My name is Luís.
    I just found your blog yesterday and is very helpfull.
    Myself, family and friends we were involved with Banners Broker.
    We paid for the services in 2012 and 2013.
    Do you thinh we can do something, or the window of chance to claim is closed?

    I thank you in advance for your help

    Kind regards
    Luís

    ReplyDelete
    Replies
    1. Yes Luis, please contact the Liquidators:
      David Rubin &Partners -Liquidators.
      http://dm.epiq11.com/BBB/Project

      Delete
  98. Kia ora ~ Hello!~

    Ok heres my my issue,

    I see that you have advised that people could request a ChargeBack for The Achieve Community,
    How I purchased positions though was by funding my paypal and attaching it to Payoneer to onsend the money to
    TAC so do you think that I would be able to request a chargeback from Payoneer?


    ReplyDelete
    Replies
    1. You can try Gineen, but the reason scams use Payment processors is because there is usually no chance of Chargebacks being allowed. By all means ask them, Good Luck!

      Delete
  99. Dear Tara, please advise me what I should do.
    I joined BB in Feb. 2013 and paid for the initial package and panels by my credit card through Allied Wallet. Later I encouraged my sister to join too, and funded her account myself with the same CC. Neither of us received any withdrawals from BB. As far as I understand it's too late to request chargeback, so the Liquidators are my only chance now.
    I've got bank statements for these transactions and emailed Purchase notifications from Allied Wallet - all of them issued in my name, while some of this money went to my sister's account and hence the email notifications of eWallet Loading from BB are addressed to her (I effected payment from her BB account, but using my credit card). Can I claim this money myself, based on my bank statements, or my sister should place a separate claim of debt? Or maybe I should enclose a notarized Assignment of Claim from her? I’d greatly appreciate your advice.

    ReplyDelete
  100. Hello Olga. If YOU funded the accounts with your own money then it's you that must claim, not your sister. The liquidators will advise you so please phone them directly - they are very helpful.

    ReplyDelete
  101. Dear Tara, I've contacted the Liquidators, and their reply was as follows:
    " As you operated two separate Banners Broker accounts, you will need to complete two proof of debt forms and submit two claims, one for the account you held, and one for the account held on behalf of your sister. The proof of debt form enables you to submit a claim on behalf of someone else."
    So, two separate claims will be required after all, though both accounts were funded by my card.

    By the way, what amount can we claim - only the initial investment that can be proved by a bank statement? Not any "earnings" from the BB Legacy wallet? I'm asking because I know that some people have indicated the amount of their "earned money" in the Claim of Debt, though I have no idea what was the outcome of it.

    ReplyDelete
    Replies
    1. OK, they know what they need. As for your 'earnings' it's seed money only. If you claim for anything over and above that it will be refused.

      Delete
  102. Hi! i chanced by your site and im a traffic monsoon member. ever since they start to announce of paypal holding the funds i got worried. after reading your page on traffic monsoon is a scam i really want to get back my money now! i called the bank and they told me they require an email to traffic monsoon as evidence that i've tried. traffic monsoon replied that i can withdraw my funds out from payza. From what i see, i cannot get back the original amount of money except a portion of it. Now im worried that my bank would reject me as payza is still an option to withdraw.
    please advise! what should i tell the bank to convince them to do a charge back?

    ReplyDelete
    Replies
    1. Unfortunately, the Bank is within its right to refuse a Chargeback because you went through a third party processor -PayPal. Have you put in a Payza withdrawal? Try PAYPAL first, then go to the Authorities and REPORT TM and Charles. Getting TM closed down is your best hope of getting funds recovered.

      Delete
    2. I paid through my debit card, not through paypal. But the news of them being a scam and paypal holding funds got me worried. but i think my chance of getting a charge back is low as the website is still functioning and i still have the option to withdraw a small portion of my money through payza. what do you think?

      Delete
  103. Tara, You do a fantastic job. You certainly help me as a result of your dedication, and you make me feel better. Ive just come off the phone with 0300 123 2040 Action fraud were great. I need more folks to phone them too, then and only then do we have a chance of stopping Pyramid Fraud. Join me please and feel better doing it. Take Care Tara, more power to Tara readers for better stronger feelings

    ReplyDelete
    Replies
    1. Many thanks anon. Very glad you contacted them, it gives encouragement to others.

      Delete
  104. how to recover money if I transffer money from bank account to paypal? and from paypal to TM? I did not used any card but was a S€PA transfer. I already opend disputes but at this point I dont have faith in PayPal anymore, so only need to wait 1 more day but i see many ppl losing anyway even if vendor dosent respond.

    ReplyDelete
    Replies
    1. Sorry for not replying, your message slipped past me. If you paid by cash, then your likelihood of a refund is very slim. Your best bet is if the authorities close TM down so that any funds held can be given back to affiliates.

      Delete
  105. My mother got ripped off for every last cent she had and ended up homeless. I just today found out how this happened! Is there any chance of getting her money back at this late date? Any links or help would be appreciated. This is all because of Banners Brokers of course. Thanks.
    You can email me at jewelz12373@gmail.com if you have any helpful info.

    ReplyDelete
  106. hi tara,
    unfortunately i am also one of the trafficmonsoon user and i started in with 5000 plus dollars and my earnings before the chaos were more than 17000 but since i was only buying more packs and did not withdraw any amount i have every thing frozen and pending so i am not able to with draw any money from trafficmonsoon.
    i opened a dispute with pay pal but unfortunately they closed it prematurely within 5 days stating that they dont cover T.M transactions.
    do you think i should go for charge back because i used my IRISH credit card through paypal to purchase the first 100 packs worth 5203 dollars.

    ReplyDelete
  107. Hi tara

    after paypal refused to refund me I contacted my bank (hsbc). yesterday they refunded me whilst they carry out their investigations, i told them i didnt receive any services and that its a ponzi scheme. today I got an email from paypal saying they been contacted by my bank regarding chargeback.. i am worried now as paypal already ruled in TMs favour against me and that they will do it again. what do u advice?

    thanks

    ReplyDelete
  108. I think you'll be ok Jason. I haven't heard - yet - of one case where the bank takes the money back after a refund.

    ReplyDelete
  109. thanks tara. I really want to thank you for ur assistance u been a lifesaver, God bless

    ReplyDelete
    Replies
    1. Hi Tara,

      Just to give u a quick update. Today when i logged onto paypal it said my chargeback claim has been closed ( it was iniated by my bank hsbc not me) and it says 'case closed to due insufficient evidence to dispute chargeback). Does this mean they have decided in my favour or TM? I just checked my account and HSBC have not taken back the money but I am worried they will. please advice

      Delete
    2. It sounds like its in your favour then? Give them a call and ask them.

      Delete
  110. Hi Tara, Is it to late to claim from my bank in Uk for BB.I funded BB via my bank account to a BB account in uk?

    ReplyDelete
  111. Hi Bruised, yes, I'm afraid it is. But you can still go onto the creditors list. Contact numbers on the Liquidation page.

    ReplyDelete
  112. Hi Tara I purchased add packs for traffic monsoon through paypal and then they froze traffic monsoon accounts and now its gone to SEC investigation the whole company my 120 days were up on July 8th 2016 can I still claim against not receiving a service and it being a ponzi?...if so do I go through paypal or my own bank?

    ReplyDelete
    Replies
    1. Through your Bank, all the info you need is on my Chargeback page.

      Delete
  113. Hi Tara
    Regards chargeback bank need proof as Traffic monsoon gone to Liquidation, what kind of proof I need to submit for their satis faction, please advice me thank you

    ReplyDelete
    Replies
    1. contact: Peggy Hunt @ Dorsey & Whitney trafficmonsoon.receiver.inquiries@dorsey.com
      http://dm.epiq11.com/TMON/Project

      Delete
  114. Hi Tara
    I paid funded my STP account with wire transfers. I say at one point to take a screen print of the pendings. are you speaking of Traffic Monsoon panels that were pending? Please explain. Can I request STP chargeback it has been 254 days and counting. Is there anything I can do besides placing a claim to the receiver.
    Pls reply

    ReplyDelete
    Replies
    1. If you funded STP via wire transfers then Chargeback isn't an option for you. Contact the receivers directly: Peggy Hunt @ Dorsey & Whitney trafficmonsoon.receiver.inquiries@dorsey.com
      http://dm.epiq11.com/TMON/Project

      Delete
  115. Hi Tara
    Follow up questions; At one point I thought I had read that you also suggested to file a suit against the person that had referred us to Traffic Monsoon. Did I read that correct. I was receiving information from my referrer, and information that two heavy hitters that were above my referrer. My referrer was forwarding the information on to my. If this is correct how low do I have b4 I would need to do this?
    Pls reply

    ReplyDelete
    Replies
    1. It is correct, but has never been tried before (to my knowledge) and we'd love somebody to give it a go. If you live in the UK, you can claim through the 'small claims court' and the costs depend on the amount claimed. If you decide to go through with it, let me know?

      Delete
  116. How do i ask for my money back over the 190 days for paypal?

    ReplyDelete
    Replies
    1. You ask first. If they refuse, you try for a Chargeback. Check out my Chargeback page for details.

      Delete
  117. Hi Tara,
    I have invested 500$ to Plusoption company. Very soon I lost them. Plusoption do not respond on my messages. I turned to my Bank (Swedbank - Latvia)and say I become victim of scam. After a long conversation they answer me it is my problem because I transfer money from my credit card according of agreement Terms&Conditions of Plusoption were are said of Risks and Loses. So, now I came close to the end of discussions and there is no hope get my money back. What can I do?

    ReplyDelete
  118. Very sorry to hear that Guntars, but Plusoption is a scam . Please report them to the authorities in your country. If you paid by Credit card through, you may be covered under the 540 day rule. If plusoption have given you the service you paid for? Go to your CC fraud dept and ask them.

    ReplyDelete
  119. Hi Tara. I'd like to thank you for your activity on this blog and precious advices, which I based on during our charge back claim. It appears, we are the first Poles that
    managed to recover our initial payment in amount of £5500. We paid by debit card. It was 3 month fierce battle with Lloyds Bank. We paid by debit card. We didn't believe in MAP as prospective business although we did not expect such sudden collapse. Today we steer away from any MLM feeling disgust towards them.
    Kind regards
    Thank you

    ReplyDelete
    Replies
    1. That's great news Anon, and the first MAP Chargeback that I'm aware of!

      Delete
  120. Hi Tara,

    I have been scammed by MAP and I'm dangerously close to the 540 mark. I'm in Canada. Can you please point to any resources/people in Canada who have had success with getting their money back with MAP? Thanks

    ReplyDelete
  121. Depending on how you paid, it shouldn't make any difference where you are. Contact your bank/CC company NOW.

    ReplyDelete
  122. Hi Tara,

    I made the last payment to Traffic Monsoon Oct 15 (504 days ago) through Paypal using a debit card. Do i contact Paypal first or my bank? Thanks

    ReplyDelete
    Replies
    1. Your banks fraud dept Iman, urgently.

      Delete
  123. Anyone got his money back via Mastercard RED (Prepaid - Austria)?

    ReplyDelete
  124. Hi Tara,
    I have followed your steps and have gone through PayPal to reclaim my money however it was rejected. I then requested a chargeback with my bank Barclays however it was rejected also but I requested another chargeback which again was rejected because I have attempted it once already they said. I then called up Barclays and after speaking to a staff member and supervisor they have said they've tried everything they can and will not be able to get the money back from traffic monsoon.

    I have threatened the bank by saying I will go to the Financial Omsbudman and they encouraged me to try this route.

    Could you please advise me on what I can do now?
    I paid out £1,800 and am devastated that I will not be getting my money back.

    Many Thanks

    ReplyDelete
    Replies
    1. The banks do not legally have to refund you, they follow a voluntary code. It's only Credit Cards that apply the 540 day rule. Having said that, many banks have refunded and it is certainly worth trying the Omsbudman. You must also apply to the Receivers to become a creditor.

      Delete
    2. Thanks Tara, i'll give that a go.

      Delete
  125. HI I HAD TAKEN A CASH TRASNFER FROM MY CREDITCARD(MBNA) TO MY PERSONAL ACCOUNT(LLOYDS) AND THEN TRASFERED THE AMOUNT TO PAYPAL TO BUY ADD PACKS ON 16TH OCTOBER 2015 FOR AROUND £3300 SO HOW DO I GO ABOUT TO RECLAIM THE MONEY BACK AND WHO DO I CONTACT BANK OR CREDIT CARD

    ReplyDelete
    Replies
    1. Unfortunately a cash transfer isn't subject to Chargeback rules and has no way of recovery. If you are referring to Traffic Monsoon, you have the option of contacting the receiver to put in a claim. If this is My Advertising Pays, your only option at the moment is to report this to the Securities and Exchange Commission and Action FraudUK.

      Delete
  126. Hi Tara, I'm in Australia. I was using online internet banking to transfer from my account to VX to purchase MAPs pack in Jan 4, 2016. Can you recommend the best way for me to claim chargeback MAPs to get my money back. Is the 540 days rules apply to my case? Any chance at all? Please help. Thanks.

    ReplyDelete
    Replies
    1. Wire transfers aren't covered by Chargeback I'm afraid. Your only hope of recovering any of your money is if the Securities and Exchange Commission close them down. Please report MAP to them asap.

      Delete
  127. Thanks Tara, When you said please report MAP to them asap. Can you direct, who is them? and where and how do I contact them? Thanks again.

    ReplyDelete
  128. The Securities and Exchange Commission: https://www.sec.gov/complaint/tipscomplaint.shtml

    ReplyDelete
  129. Hi Tara, is that link for USA only or will it cover other country like Australia? I don't know if we can do anything from here at all, also I think MAP already close themself down and Claiming VX ripped us all off. eventhough slim chance but I still want to flight back MAPs so, any comments or suggestion would be appreciated. Thanks

    ReplyDelete
    Replies
    1. It covers every country, so please report them asap.

      Delete
  130. Hi tara
    Please can you help me. I invested £50000 in traffic monsoon I bank wired to charles acoount from my current acount in jan 2016. 2 weeks after joining it was all over, I never withdrew anytging. Please can guide me on to how to get my money back

    ReplyDelete
  131. A bank wire is the same as cash and has no protection from Chargeback rules. But you can definitely put in a claim with the receiver. Details on Home page, first post.

    ReplyDelete
  132. Hi Tara, I used online banking to carry out my purchases providing my debit card details as a means of payment. These transactions go back as far as Feb 2016, do I stand a chance ?

    ReplyDelete

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