Why is nobody investigating these people?

My father is another victim - I did manage to get through to Magdalene at Oversurance who promised to come back to me within 5 minutes. The bank provided me with the details and I had to follow the same procedure - Fulcrum who deny any responsibility, then I made contact with Oversurance (try this number - ***- it may work until they change it again!) and now I am waiting for a response.<br> This is such a common story that on this site - how do these people sleep at night?