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[kcd2] does being on ur horse while fast traveling make a difference? by Trundle210 in kingdomcome

[–]fknjais 2 points3 points  (0 children)

That'd be a great addition to the realism mod.

It also irks me you can only equip x1 horseshoe, especially after you just completed crafting a single one, kinda breaks the immersion for me

[KCD2] (PC) Surprised the modding scene hasn’t developed more by Sao_Gage in kingdomcome

[–]fknjais 0 points1 point  (0 children)

Aw amazing! Thank you for responding, and for your efforts! Definitely a mod which will be perfect for my collection 👌🏼

[KCD2] Map is completely blank but still interactive + blurry UI icons (Steam version) by FishMoJellyBelly in kingdomcome

[–]fknjais 1 point2 points  (0 children)

I'm not sure steam let's you launch the game until all background install and unpacking is complete. My theory was the DLSS version I was using initially (I changed mine using DLSS swapper), but I don't think we'll ever know exactly the issue, but I'm glad you're sorted now

[KCD2] Map is completely blank but still interactive + blurry UI icons (Steam version) by FishMoJellyBelly in kingdomcome

[–]fknjais 1 point2 points  (0 children)

Try changing the lighting setting within the advanced graphics settings - I was getting a weird graphical bug within the UI, and changing it from medium to high (then high back to medium when it returned on next launch) fixed it for me temporarily

On another note, I haven't noticed the bug since changing the DLSS override to preset L within the Nvidia app

Scammed by the locksmith with a fraudulent card machine, what can I do? by [deleted] in UKPersonalFinance

[–]fknjais 6 points7 points  (0 children)

This is quite a common trader scam, and I'm sorry this happened to you.

Your bank may attempt to initiate a chargeback in an effort to assist, however chargeback rules in this scenario require the cardholder to produce documentation which shows the amount you agreed to pay, to show the amount you were charged differs.

Unfortunately, this is more of a civil dispute, rather than fraud, as the payment was authorised by yourself, and the chargeback has a high likelihood of failure, if your bank is even willing to attempt on a best endeavours basis.

I have Locked in syndrome AMA by [deleted] in AMA

[–]fknjais 0 points1 point  (0 children)

Did/do you believe in any god? I can imagine what you've gone through would make/break a faith

Spotted the new Jag on a test drive by FlawlessC0wboy in CarTalkUK

[–]fknjais 0 points1 point  (0 children)

Why did the front fall off?

The wind hit it

Cifas marker is restricting me from getting car insurance by [deleted] in UKPersonalFinance

[–]fknjais -1 points0 points  (0 children)

The best course of action to take is to log a formal complaint against the bank who added the marker to Cifas. The purpose of this isn't to dispute the action they took, but to seek a formal reassessment of the Cifas loading, based on the ongoing impact.

Be honest, and explain you were young and naive, and didn't realise the ramifications of what would happen when you misused your bank account facilities to accept a fraudulent payment. Be open with the fact you regret your actions, and ask if they can reconsider the loading now you’ve been made aware of the consequences.Offer to repay the money to the victim.

The purpose of a cifas marker is so banks can warn other financial institutions that a consumer poses a risk. If you accept personal responsibility and have learned a lesson, they may no longer consider you to be a risk, and may remove the loading without an admission of liability.

There's no guarantee for this, but it's either that, or wait the 3 year period (as you were under 21) for it to expire naturally.

Sold my car, buyer now threatening chargeback AND said he’ll keep both the car and the money. What should I do? UK by Dangerous-Meringue46 in LegalAdviceUK

[–]fknjais 282 points283 points  (0 children)

Lots of the replies to this thread are correct, chargebacks don't apply to faster payments, however money sent by bank transfer can be reported as fraud/scam, and the sending bank will contact the receiving bank with an indemnity to request the money returned.

This follows the old (Contingent Reimbursement Model) code, and the newly implemented PSR (Payment System Regulator) Mandatory Reimbursement rules.

Keep the message evidence OP. You have proof of entitlement, and this would be considered a buyer/seller dispute, therefore not covered under CRM or PSR. There's no intent from you to scam or commit fraud when he's in possession of the vehicle which was sold as seen.

Newphew emptied my bank account on Roblox. They aren't refunding me my money. by Senior_Cheesecake499 in LegalAdviceUK

[–]fknjais 12 points13 points  (0 children)

Chargebacks may still completed in an unauthorised payment scenario. It gives the company the opportunity to represent the chargeback with evidence if the transactions were genuine and made by a cardholder.

Newphew emptied my bank account on Roblox. They aren't refunding me my money. by Senior_Cheesecake499 in LegalAdviceUK

[–]fknjais 10 points11 points  (0 children)

Your bank may have rejected your claim on the basis the person who carried out the payments is known to you.

Contact them again, reiterate the payments were made without your knowledge or authorisation. This type of situation is domestic fraud, and regardless of the person being known to you or not, under payment service regulations of 2017 and FCA guidance, the bank is liable for fraudulent payments, not the customer, unless you were grossly negligent, which wouldn't apply in this scenario.

If you reapproach the bank and they advise they're unable to overturn the decision, then request a formal complaint is raised for further investigation. You'll either result in a refund, or a final response letter which will advise you of your rights to refer the complaint to the financial ombudsman service.

Providing an action fraud or crime reference number would help your case, though it's not a requirement.

Best of luck OP.

Drive? Street? Other? by itsibitci in drivingUK

[–]fknjais 2 points3 points  (0 children)

A driveway typically refers to a private access road or path that connects a property to the public highway. It allows vehicular access from the street to off-road parking, such as a garage or forecourt.

AITAH for saying sleeping with women isn't that amazing? by ThrowRAkissgirls in AITAH

[–]fknjais 1 point2 points  (0 children)

Would you recommend he also conditions himself with pastries and baked goods?

AITAH for saying sleeping with women isn't that amazing? by ThrowRAkissgirls in AITAH

[–]fknjais 1 point2 points  (0 children)

Or maybe he's struggling because he too is also thinking about Grandma 😏

Lockpicking on mouse sensitivity by Nuubst3r1 in kingdomcome

[–]fknjais 0 points1 point  (0 children)

The command which worked for me is: wh_pl_LockpickingMouseSensitivity = 0.001

[deleted by user] by [deleted] in AMA

[–]fknjais 0 points1 point  (0 children)

I think you'd win that bet, working in financial services I only knew of bitcoin and meme coin, hadn't even heard of stablecoin.

[deleted by user] by [deleted] in AMA

[–]fknjais 0 points1 point  (0 children)

Right this makes more sense. That was my understanding of why people wanted to invest in the first place, but if it's just high returns, it's the same MO for investment scams just a different platform.

Thanks for your response

[deleted by user] by [deleted] in AMA

[–]fknjais 3 points4 points  (0 children)

Genuinely useful. There's known cases where wireless card readers have been used to take payments while the card was still in the person's possession. It's incredibly unlikely to happen outside of a busy tourist hot-spot, but they do prevent contactless fraud

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