Brief cases: nearly £2,000 lost to modelling scam

I disagree that “Not being given the photos in return for the money amounts to fraud“. It’s simply a breach of contract. Only if one can prove that the business asked for the money in bad faith with no intention of supplying the photos would it be fraud.

As I said earlier, if Media Style routinely took money but did not supply photos……. I see that as fraud. But I’d simply like more information so that Media Style can be assessed.

@gmartin, George, I don’t doubt the experience. I know nothing about Media Style and have no interest in modelling, but what concerned me was that one instance given in this Convo labelled them as a “scammer” – “Lisa researched the company and realised she’d been scammed. “.

I do not consider one bad experience as sufficient to put such a blanket description; in my book it needs a clear intent to defraud as a regular occurrence to define a “scam”. I have asked for more evidence of MS repeating this practice but have seen none. It also seems that other agencies use MS for photography and those “agencies” might be the scammers, according to online reports. I won’t repeat names here.

Thanks, Wave. I should have included that link.

I believe it is.

Lisa’s son attended a photo test shoot with Media Style

Media Style are currently running a seri4es of online articles on how to recognise and avoid scams.

Thanks George. The link seems to be about the general scam by some so-called model agencies, rather than about the specific one accused here. It is mentioned, but one post suggests they went to an “agency” that apparently then “ used Media Style in Bateman street for us,“. I wonder whether Media Style were complicit or simply used as a photo service by the perpetrator.

I’ve just read those Google reviews and they are so conflicting, my thought is ……….Which ones are fake?

The allegation in this Convo is that Media Style took nearly £2000 for a portfolio of photos but then refused to hand over the photos. As far as I can see non of the reviews in the above link said that had happened to them. Most negative reviews complained that they were asked to pay for the photos that had been taken.

Whether Media Style operates by misrepresenting what they will achieve is a different matter.

Some say they used a different “agency” that sent them to MS for the photography; I presume Lisa did not take this route? I’d simply like to see evidence that taking money without giving photos is a practice – “scam” – , as alleged, that Media Style indulge in as it is a serious accusation..

Until surcharges were banned it was often more expensive to use a credit card, but that is history.

I cannot understand why anyone buys lottery tickets because there is not much chance of winning and if you want to support charities it’s better to do that directly.

Lottery tickets – the same reason people gamble on the pools, horses, casinos online. They will, as a group, always lose because the prize money is less than the stake. But some do win and it is for many the only way they might have a (slim) chance to become substantially richer.

I only buy one ticket in each lottery draw, just so I have a chance, albeit a tiny one, of winning millions of pounds. It’s better to have a tiny chance than no chance. I often win small amounts and once won £1500, which significantly funded the purchase of more tickets. Since a very young age, I’ve been lucky with winning money, and you can’t win unless you have a ticket.

NFH, many older people don’t possess credit cards. They have bank accounts and will have been issued with debit cards, but having used cash all their lives have never seen the need for credit cards and write cheques for any larger payments.

It’s not that long ago I realised my dad doesn’t have a credit card, only a debit card that does get used in a few High Street stores. I think have scared him enough to never use it online. He is under strict instructions that if he wants anything online I will get it for him and he then calls his bank to transfer the money to my account.

I don’t accept the argument about older people preferring debit cards over credit cards. Credit cards existed long before debit cards first appeared in the UK in the late 1980s. Before then, if you paid by card, it was a credit card. So older people are generally more used to credit cards than debit cards. If there’s generation that favours debit cards over credit cards, it’s the youngest in society.

The interest rates charged on credit cards are so high that unless you are an organised person or pay credit cards by direct debit you are at risk of interest charges.

I suspect that many are simply accustomed to using debit cards. Until card surcharges were banned it was necessary to check for surcharge fees, which were far more common with credit cards than debit cards.

I didn’t say older people preferred debit cards, some have just never got credit cards. Years ago, I heard my Dad talk about his Barclaycard, but only recently realised he was just referring to the debit card on his Barclays bank account.

Older people will have bank accounts that initially came with a cheque book and cheque guarantee card. The cheque guarantee card automatically turned into a debit card at some stage. If they wanted cash, they wrote out a cheque and went into their bank to cash it. If they made a large payment, they wrote out a cheque. And that is the way many still operate their finances especially if they are not well-off.

You have to physically apply for a credit card, they are not given out automatically, and why apply for one if you live within your means and are happy with the way you handle your finances?