Incorrectly executed or non-executed Transactions. COMPLAINTS, APPLICABLE LAW, JURISDICTION. d.    Within the framework of the Western Union® Online Service  You will not request money transfers which violate these Terms and Conditions or any other restrictions of use or terms of use as set forth on the Western Union Website; and. 8.11. b. The Western Union Website and the Western Union® Online Service , their content and all intellectual property pertaining thereto and contained therein (including copyrights, patents, database rights, trademarks and service marks) are the property of Western Union, of Western Union affiliates or of third parties. You consent to and acknowledge that We may forward any particulars about You and about the services that We provide to You if necessary to regulatory or government authorities or their bodies if: a.        we are obligated by law to do so; or. Otherwise, it may take longer. However, You might be entitled to the reimbursement or credit of a certain amount from Your Card Issuer or your bank if Your Bank Card or Your bank account were used in a fraudulent manner. THEY CONTAIN LIMITATIONS ON THE SCOPE OF OUR OBLIGATIONS TO YOU, AS WELL AS LIMITATIONS AND EXEMPTIONS FROM OUR LIABILITY TO YOU FOR DAMAGE THAT YOU MAY SUFFER AS THE RESULT OF A WESTERN UNION ONLINE MONEY TRANSFER. If you don't have the serial number, you may not be able to get a refund. 2.1. A $586 million settlement between the federal government and Western Union wiring service will refund those who were cheated out of their money because of … Applicable law prohibits money transmitters from doing business with certain individuals or countries; Western Union is required to screen all Transactions against lists of designated persons subject to sanctions imposed by the governments of the countries and territories in which We do business, including the US Treasury Department’s Office of Foreign Assets Control (OFAC), the European Union and the UK. It may take up to 7 business days for the financial institution to credit the money to the sender. Additional information about exchange rates for specific destination countries can be obtained by calling the toll-free telephone number listed above or from Our Website. Refund checks worth about $153 million are going out to over 109,000 people who sent money to scammers through Western Union wire transfers. If you act promptly and make your request before the money order is cashed, you can expect a refund within 30 days. b.        we are of the opinion that such a disclosure may assist in the prevention of fraud, money laundering or other crimes. 3.7. e.    You are personally responsible for keeping Your password and Your username safe, pursuant to Item 6 below. To request a refund, follow these steps: 1. Western Union will send SMS messages to a gateway for forwarding, however forwarding is the responsibility of third parties, and cannot be guaranteed. The company admitted to criminally aiding and abetting wire fraud and to violations of the Bank Secrecy Act. Performance: Information in these cookies enable tracking page performance, feature improvement and beta testing. If you don't have the serial number, you may not be able to get a refund. 2.6. Western Union® Online Service " refers to money transfer services which We provide through the Western Union Website or its mobile application (“Western Union Mobile Application”); j. Your liability for losses arising from an unauthorised Transaction shall not be limited to a maximum amount of GBP 50 as set out in Item 8.2 if You acted with fraudulent intent or contributed to the misuse of Transaction data intentionally or through grossly negligent conduct. The survey, commissioned by Western Union and conducted by GfK Roper Public Affairs & Mediapolled 1,000 people 18 years old and older between February 13 and February 15, 2009. The receipt is your proof of purchase, and it's much easier to get a refund if you have it. 3.1. From time to time a money order may be lost, damaged, stolen, or you may change your mind about sending the money order. At certain payment locations the Receiver may be asked to provide proof of his or her identity or answer a test question or both in order to receive the funds. Update September 23, 2020. If the services provided on the Western Union Website or by the Western Union® Online Service  should be interrupted for whatever reason (whether by Us, a third-party provider or in any other manner), We shall take adequate measures to keep the duration of this interruption as short as possible. Send both the notarised affidavit and the Trace/Refund Request form to the address listed on the Trace/Refund Request form. Each money transfer is given an individual transaction number, the Money Transfer Control Number or "MTCN". It's a good idea to record the serial number and amount of the money order as well, just in case anything happens to the receipt. The Receiver’s agreement with his or her mobile phone service provider, mWallet account provider or other account provider governs the account and determines their rights, obligations, applicable fees, funds availability and account limitations. This is the second round of payments related to the Western Union settlement. Transactional: These cookies enable account sign in/sign out, fraud detection and prevention as well as web stability. You can file the claim online. 7.1. You must file a claim by May 31, 2018. Western Union is not responsible for any charges associated with SMS messages. You hereby acknowledge that reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at Your sole risk. Obtain a Trace/Refund Request form from the vendor where you purchased the money order even if you do not have the receipt but know the 11-digit serial number and amount of the money order. 2.3. Welcome to the United States v Western Union Remission Website. However, we will not refund the Transfer Fee, the Message Charge or the Delivery Charge. Visit www.financial-ombudsman.org.uk for more information. 3.3. From time to time a money order may be lost, damaged, stolen, or you may change your mind about sending the money order. In the event of loss, theft, copy, misuse, or unauthorised use of the Transaction data (see above Item 4.3.b), where You believe We may have performed a Transaction You did not authorise Us to perform, or where You believe We may have failed to perform or incorrectly performed a Transaction, You must call 0 808 234 9168 or +32-(0)2 639 7103 and notify Us immediately upon becoming aware of such events. He writes about business, personal finance and careers. In certain cases money transfer payments may be subject to local taxes and service charges. You may be liable up to the maximum amount of GBP 50 for losses that: a.          result from unauthorised Transactions resulting from the use of lost, stolen or otherwise missing Transaction data (see above Item 4.3.b); or. Our Terms and Conditions use the following definitions: a. 2.5. 8.8. Prior to the final authorisation of the Transaction You will be notified of the precise amount which We will clear with Your Card Issuer or which We will debit from Your bank account. Help With Existing Transfers. The exchange rate for a money transfer is indicated to You at www.westernunion.com/gb after selecting the destination country in the “Send Money Online” field, entering the amount that You intend to transfer and clicking on “Calculate”. Please Mail This Form To: Western Union Financial Services Inc. P. O. a. The Sender shall bear all fees due to complete the money transfer unless applicable law in the destination country requires otherwise. "Bank Card" refers to a Visa® or MasterCard® credit card, or a debit card; b. The refunds related to Western Union's settlement with the FTC are for money sent between January 1, 2004 and January 19, 2017. b.          result from Your misuse of Transaction data. Send money on the go with the Western Union ® app. Do not reply to any emails telling you to apply for a refund or that ask you to provide personal information. Western Union money orders are a convenient way to send money almost anywhere in the world. Money transfers should be sent to a local (Receiver’s) currency account, otherwise the receiving institution (where the Receiver has his or her account) may convert the funds at its own exchange rate or may even reject the money transfer. “Business Day” refers to a day that is not a Saturday or Sunday and on which banks are open for general business in England; c.    "Card Issuer" refers to the issuer and the owner of a Bank Card; d.   “EEA” refers to the European Economic Area; e.     "Receiver" refers to the person named as the beneficiary of a money transfer Western Union®  Online Service ; f.     "Sender" refers to the person who initiated a money transfer through the Western Union®  Online Service ; g.    "Transaction" refers to a money transfer that You initiate through the Western Union®  Online Service ; h.   "Western Union", "We", "Our" or "Us" refers to Western Union International Bank GmbH, UK Branch and Western Union International Limited and in regard to Clause 9 of these Terms and Conditions and in references made (in whatever terms) to negligence or fraud also includes Western Union affiliates or agents insofar as these assume operations which otherwise would have to be performed by Western Union in order to provide the Western Union®  Online Service ; i.     " This applies equally to cases in which Western Union is bound by any legislative, judicial or administrative order to take or refrain from taking any action. The Department of Justice (DOJ) has begun its second distribution of approximately $147 million in funds forfeited to the U.S. Government from the Western Union Company to approximately 33,000 victims located in the United States and abroad. Based in Atlanta, Georgia, W D Adkins has been writing professionally since 2008. Western Union settled the 2017 case for $586m. 14.2. The Western Union Company Daniel Diaz, 720-332-5564 daniel.diaz@WesternUnion.com or David Liggett, 720-332-4119 You are entitled to claim a refund of all fees and interest to the extent they have been charged or incurred in connection with an unexecuted or incorrectly executed Transaction. You consent to and acknowledge the following: a. Notwithstanding any prior agreement to initiate a money transfer, We are under no obligation towards You to initiate or execute a money transfer if: a. However, this right of rescission does not apply if We have already paid out the funds to the Receiver before We received Your notice of rescission. In such instances, Western Union (or its agents, the mobile phone provider, or account provider) may collect additional money when they convert the Sender’s funds into the currency selected by the Receiver. We will then investigate the matter. Western Union may charge additional fees associated with the use of an account for sending or receiving a money transfer. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by Western Union will be kept by Western Union (and, in some instances, its agents, mobile phone provider, or account provider) in addition to the transfer fees. These Terms and Conditions and all non-contractual rights relating to the Western Union® Online Service  are governed by the laws of England and Wales, without regard to the law of conflicts, and are subject to the exclusive jurisdiction and venue of the courts of England and Wales with respect to any disputes arising out of these Terms and Conditions. THE RESPECTIVE PROVISIONS ARE HIGHLIGHTED IN BOLD. We reserve the right to charge You a fee to cover Our reasonable costs for doing this. Click here for Our Privacy Statement. Save to the extent You are liable under Item 8.2 or 8.4 for a Transaction not authorised by You, We will refund the Transaction amount to You promptly, but at the latest by the end of the Business Day following the day on which We were notified the Transaction concerned has not been authorised or otherwise became aware of the unauthorised Transaction. We will have no liability to You under Item 8 if We fail to perform or incorrectly perform the Transaction where the reason for this was due to Events Outside Our Control or Our statutory obligations. The name Western Union and all other names as well as proprietary designations of Western Union products and/or services named on the Western Union Website are exclusive brands of Western Union or of other third parties. Take the form to be notarized. Western Union® Online Service offers money transfer services nationally and internationally. These Terms and Conditions constitute the entire agreement between You and Us and supersede any prior agreements which may exist between You and Us. Editor’s Note: This story has been updated to reflect a change in the refund deadline. 2.4. It is Your responsibility to keep Your password and Your username safe as well as all Transactions carried out using Your password or Your username. Adkins holds master's degrees in history and sociology from Georgia State University. 4.1. 3 If We refuse to provide the Western Union®  Online Service (partially or in full) to You for any of the above reasons, We will notify You accordingly if possible and give reasons for Our refusal unless We are prevented from doing so for legal reasons. 8.4. We shall also have no claim against You for reimbursement of Our expenses. You declare that You will pay to Us Our fees (see also Item 2.8 above) for any money transfer which You initiate via the Western Union® Online Service. In most cases, you can fill the Trace/Refund Request, and your refund will be sent to you within 30 days. Initial Western Union complaints should be directed to their team directly. Get a refund on a Western Union money order by taking your proof of purchase receipt to the location where you purchased the money order. You will receive a refund if the money order has not been used. The Western Union Website and the Western Union® Online Service must be used only for the purposes permitted by these Terms and Conditions or as described on the Website. If you lost money to a scammer whom you paid using Western Union anytime from Jan. 1, 2004, to Jan. 19, 2017, you can file a claim up until May 31, 2018, to get your money back. 3.6. Victims from all over the world will be eligible to apply for a share of the refund pot, provided they sent a money transfer through Western Union between 1 January 2004 and 19 January 2017 to a fraudster. Charges applied by the telephone service provider are the exclusive responsibility of the Sender or Receiver. If You detect errors or encounter problems on the Western Union Website or with the Western Union® Online Service, please contact Us by e-mail or by telephone (for contact information see Item 1.2) or write to us at: Prior to first using the Western Union Website to send a money transfer  You will be asked to provide a password and a valid e-mail address as Your username. Western Union will use and process your personal information as described in Our Privacy Statement and you explicitly consent thereto. Submit it with all available documents* showing you as purchaser, and the $30 USD nonrefundable processing fee to the address listed on the form, by fax 1-720-864-0477, or by email RMO@westernunion.com. You should direct any concerns regarding any Linked Site to such Linked Site's site administrator or webmaster. You have the right to rescind a money transfer within 14 days from initiating the Transaction. We will try Our best to deal with Your complaint at the first opportunity and We will send You a final response letter within 15 Business Days of receipt of Your complaint. You consent to and acknowledge that we must make reasonable efforts to verify your identity. WUIB, trading as Western Union International Bank, is authorised and regulated by the Austrian Financial Market Authority and also subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. When exercising Your right of rescission prior to Our having paid out the funds to the Receiver, We will refund the amount of the transfer to You and do not charge any fees. In the event of an inconsistency between the holder of the account number (including mobile phone numbers for mobile phone accounts) and the name of the intended Receiver, the transfer will be credited to the account number provided by the Sender. The time of receipt is the time when We receive the funds to be transferred and the fees associated with said transfer. These refunds are going to people in the US and other countries, including many older adults who lost money to grandparent, lottery, sweepstakes, or romance scams. Follow the instructions to figure out the processing fee that is required. … RIGHT TO RESCIND OR CANCEL A MONEY TRANSFER. Western Union International Limited is an Irish company (number: 372428) with registered offices at Unit 9, Richview Office Park, Clonskeagh, Dublin 14, Ireland. The $153 million is a portion of the money Western Union paid when it reached settlements with the FTC and Department of Justice and agreed to create a strong, anti-fraud program. You can find contact details for Western Union above.. ComplaintsBoard.com is an independent complaint resolution platform that has been successfully … However, if your refund request is not made on the same day you will lose the charges (unless there was an error on Western Union's side or you were a victim of fraud, in which case you will receive a full refund). Other product, service or company designations appearing on the Website may be the trademarks of their respective owners. 2.8. 11.2. To the extent fees have been charged to an unexecuted or incorrectly executed Transaction by Us or an intermediary agency and the fees have been deducted from the amount to be received from the Receiver under such Transaction, We will immediately transfer to the Receiver such amounts charged in respect of such fees. In the event the money order has been cashed, Western Union reserves the right to require a bond as surety to issue a refund pending the completion of their investigation. 1.1. 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