Through Hugo Murtas
Published on
Updated Jan 11 23 at 19:19
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Thomas was beginning to lose hope. Victim of a scam to the fake bank check by selling his own volkswagen tiguan on The good anglethis inhabitant of reindeer (Ille-et-Vilaine) had never received the 21,000 euros from the sale.
In addition to this scam, the young man accused his bank to confirm that the check was authentic. Thanks to his cry of alarm launched in November 2022 aNews RennesThomas managed to almost recover three quarters of the amount lost, re-reading carefully the general conditions of sale of your car insurance.
A small line in your insurance
After our article, Margaux, reader ofnews.fr contact Thomas. Like him, the young woman was the victim of a scam similar to a fake bank check during a sale on Leboncoin.
“His story was very similar to mine so I wanted to find his account at Chirping to tell him how to recover part of the sum ”, explains the resident of Saint-Malo.
This trick is not magic. It is enclosed in a dozen words engraved in the center of the long pages of Terms and conditions sales Car Insurance. A stroke of luck: Margaux and Thomas have the same insurance.
Particularities in the event of collection of the vehicle by delivery of a fraudulent bank check: we compensate up to the amount appearing on the fraudulent bank check, up to a maximum limit of 15,000 euros.
WarningEach insurer has its own terms and conditions and not all of them offer this compensation. However, while every driver in France must have car insurance, very few are aware of it risks why they are covered.
“Without Margaux’s intervention, I never would have known,” says Thomas. But Thomas’ epic doesn’t end there. The latter will collide a first refusal from your insurer.
A fight of several weeks
Rennais initiates the compensation procedure by contacting its insurance. First step and first disappointment: his insurer informs him that he is out of time.
I was received pretty bad on the phone. So I re-read the general terms and conditions paragraph and no deadline was mentioned so I insisted once again!
The second call was finally the right one. The insurance then decides to open at the beginning of December a file offee. A commissioned appraiser is then responsible for assessing the value of the vehicle. Estimated compensation amount: €14,450. “When I saw it, I regained hope. »
the December 24, 2022, i.e. three weeks after opening the file, Thomas receives the sum in his bank account. “A nice Christmas present that allowed me to buy a car to move between home and the place of work, located about fifty kilometers away”, exults the young man.
He wants to go to court
Despite this good news, Thomas struggles to move on. «There are still 7,000 euros left compared to the 21,000 euros lost during the scam», he declares seriously. He doesn’t forget either your bank’s mistake who had certified the authenticity of the aforementioned bank cheque.
Thomas counts in court to win the case. To do so, the victim of the Leboncoin scam appealed Master Arnaud Delomela bank fraud attorney.
When contacted, the lawyer explains that, unlike Thomas, most victims give up on the idea of initiating legal proceedings once they have received compensation from the insurance company. “It’s a pity because banks have a sense of impunity when they make mistakes with serious consequences for the victims,” assures Arnaud Delomel.
For the specialist attorney, instances of fake bank check scams will decrease over time. “Those are the Fraudulent SMS which today are becoming the most common scams”. Methods against which it is often difficult to hope for compensation.
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