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Not sure if everyone is aware of this situation, I know that consumers get the protection when they are buying or paying for goods on their credit cars #section75 That's why I always use my credit card ,what I didn't realise is that even if a 'small ' portion has been paid on credit card on a vehicle the consumer has full rights ! how frightening is that ? http://www.lawgistics.co.uk/read-news/748 Most of the deposits I take are on credit card, balance on debit card , now that small deposit of £250 gives them so much rights ! just think we all need to be aware , we all get the odd nutter who likes to take advantage of the situation. Learning everyday !

This has just been posted on #TCDUK : http://twittercardealers.ning.com/ But I though just in case some of you are not on there its worth re-posting on here. Original post by Joe o'kane. Thanks Joe this has been doing the rounds for awhile but always a reminder of how vulnerable we can all get , especially with new /untrained/ gullible sales staff wanting 'that deal' ! "Below is a notification I received this morning from usedcarsni.com - this has happened in Northern Ireland, but I suppose it could happen anywhere ...... Dear all, Please be aware of a credit card fraud operation that is going on at the moment, targeting local car dealers. it's a very serious scam because the whole thing sounds plausible enough and they have already been successful in stealing some cars in Northern Ireland. The cases we have been told about were 'customers' phoning from Birmingham and surrounding area, looking to purchase vehicles via credit cards. The payments cleared via card terminal but were flagged up as fraudulent later by the real card holders. Apparently it often takes 2 or 3 weeks for this to happen and the money is still charged back, resulting in a huge loss to the car dealer. The fraudsters provided a copy of a fraudulent driving licence and insisted on a quick vehicle transfer to the mainland. Below are some mobiles, names and email addresses already used within this scam. Note : they will very likely be changing the names and numbers often, so this is not at all an exhaustive list. Adam Joe - 07466596667, 07440470664, email details – nonstop121@live.com Hashi Musse - 07835203811, 07562695129, 07704375782, email details – du07@hotmail.com If you have had this happen to you or have had this attempted and have any names, addresses, phone numbers, drivers licences or any details, please contact the investigating officer below. The PSNI are trying to find as much information as possible to help the police in GB to find the vehicles that have been stolen. Investigating officer to contact in PSNI is Constable Roger Williams &n dash; 07584282317 or emailroger.williams@psni.pnn.police "