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  #1 ()
Neenstookem : Hey, everybody.

I got some MAJOR unibrow-ness going on here.

What type of necklace is this?

http://www.ancientgreece.com/s/Jewelry/

It's the last picture of the page. It has the sharp thingies on it.

I recently started having this strong desire for jewelry, especially the ones that look ancient and/or tribal. Or just plain awesome.
I don't really wear jewelry, my ears are my proof.

PS: If you guys know any online stores that sell such and such jewelry, please tell me. ^___^
I need to sate this mother-. >.<

Thanks, you guys!

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  #2 ()
KallIlliccala : Someone (who I know) had fraudulently used my Lloyds TSB card from Canada. However, I'm from China, and despite the card being of British origin, my lawyer has told me, as well as my girlfriend, since Canada & China do not have an extradition treaty, and legally the fraud was committed in Canada, there is nothing the UK government can do, nor the Chinese government. The amount of cash spent wasn't insane, around 150-200 pounds, and my legal advice has told me I'd be looking at 30-40 thousand pounds in flights, lawyer fees, international court charges, etc for a measly 200 quid. I'm starting to think it's not worth it, but at the same time, Lloyds TSB has anti-fraud refund policies which were accepted. Anyway, can someone please clear this up?

Cheers, Ben.
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  #3 ()
ImmetleFake : If you have proof then report it to the Canadian authorities, if nothing else it will be on record for the future if he does it again.
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  #4 ()
PerGriple : See if you can get the money charged back via the anti-fraud thing. Your legal advice is wise - no sense spending 100x over the fraudulent charge, since all that money just feeds the lawyers, not you.
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  #5 ()
BestWilliamikv : Hi Ben, Thanks for posting a question which has a fair share of complications.

As a paralegal advisor based in Leeds, UK, and specialising in Corporate/Financial Law, I'm glad to answer your question.

Unfortunately, your lawyers are indeed correct about the complicated nature of the situation. Legally, the fraudulent transactions were made in Canada, as you say, therefore the crime would be under Canadian jurisdiction, not Britain nor China. I'm assuming your lawyers also specialise in Chinese law, which differs than Canadian law. Secondly, they are also correct in terms of costs being MUCH more than the original 200 Pounds in which was taken from you.

Think about the processes of fees, which can take months to years, and the rising costs, simply is not worth it in the end mate. I recommend you contact this individual, confront him/her about what you know, and ask for the money back. If the money isn't too much to ask, they will pay you back. Either way, Lloyds does indeed promise a full refund if you can prove the transactions were completed fraudulently.

Hopefully this gets sorted promptly mate.
Cameron Moir, LLB, Leeds, United Kingdom
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  #6 ()
soilmvoma : Not worth it man. As a Canadian, it's barely worth filing charges within the country for this type of stuff. Not only the complications of international lawyers and stuff, but the proof that you aren't liable for the charges means you have to present your case to Lloyds TSB in the UK, just a world of un-necessary fees and legal paperwork.

My advice, get your money back from Lloyds TSB if you can, then proceed with a "Credit Fraud Complaint", it might not do much, but it can ban the individual from obtaining credit cards and put warning flags up with worldwide companies like Visa/Mastercard if items are purchased in his name.

Other than that, I simply don't think any lawyer will even accept the case for fraud charges so small, even a conviction in Canada for something so small, they can be plead with a discharge and ordered to pay it back, case closed.

Sorry to hear of your troubles man.
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  #7 ()
Hopppgyte : You are not clear where the fraud was commited and where the person who committed it is

And there is no reason why reporting it would cost you anything

You report the crime to lloyds tsb. (and you dont need to go to/from china to do that). What they do about it is up to them

If the card was used illegally in Canada and the person lives there then they will proceed and that will have nothing to do with you.

IF a fraud is established (no mattter where the person who committed it is) then you will get your money back

(and you have got bad legal advice
Under UK and canadian law YOU dont charger anybody with anything.
YOU report a crime to the police (or in your case TSB) then its up to the police+prosecution service to decide what to do next (possibly charge somebody with it) (In YOUR case the TSB may report the crime if they think its worth it)
After reporting the crime its possible you may never hear from the police again)
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  #8 ()
Varvef : Do what the law requires you to do.
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  #9 ()
Modirdred : a credit card from wells fargo if i'm 12. a credit card from wells fargo if i'm 12
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  #10 ()
swisasainsgam : A better question would be, why would a 12 year old need a credit card....
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