Viewing 40 posts - 1 through 40 (of 47 total)
  • Can I be scammed by being PAID by bank transfer??
  • Premier Icon DrP
    Full Member

    I’m selling a watch (on FB market place!! All the LOLZ!!).

    OF course, i’ve had my fair share of scammers paying by paypal (but they just send a fake ‘you’ve got funds’ email!) and I string them along a bit..

    Got someone (chatting now) wanting to pay by bank transfer..

    As in..they get my bank account number, and pay ME by transfer…
    Then I post the watch to them (in London..)

    Can i be scammed this way??!!!

    DrP

    Premier Icon Kryton57
    Full Member

    in London

    I live here, and have a pair of Bombers somewhere if you need that level of service later.

    Premier Icon DrP
    Full Member

    I’d be looking for the whole package… wee..shoes…frozen sausages…

    DrP

    Premier Icon Kryton57
    Full Member

    I’ll check the freezer for the sausages, but I have a cat that can fulfil the rest 😀

    I can’t really help with the OP other than I think its almost impossible for a third party to remove your balance with account number and sort code only. I may be corrected shortly.

    Premier Icon DrP
    Full Member

    I think its almost impossible for a third party to remove your balance with account number and sort code only.

    This is my understanding too.
    Our bank details are available to ANYONE we’ve paid money to, and are on our cards.

    Can i be paid, then the money ‘recalled’ is my question I guess!

    DrP

    Premier Icon DrP
    Full Member

    Anyway..it appears it’s likely turning into another scam!! They’re asking for me email address!

    DrP

    Premier Icon MSP
    Full Member

    I am pretty sure (but not 100%) that a transfer can be recalled before it is credited to your account, but once you can see it the bank can’t remove it without seeking your permission (or going through a legal process).

    Is it Jeremy Clarkson?

    Premier Icon neilnevill
    Free Member

    Is it your cat that s***s in my garden?

    No I don’t believe you can be scammed if being paid. When I sold a submariner though I met the guy, he traveled from Manchester, he saw the watch, he checked it, we went to Rolex at James, we exchanged photo Id and addresses and exchanged letters to say I’d sold it to him blah blah. He paid and we went together to w bank to check the funds were in before I released the watch.

    When I bought a Tudor, I paid via my phone app (sat in the sellers garden with a cup of tea) he confirmed on his phone app the funds appeared, I left with the watch. 15 minutes later he calls as funds pulled out again! I spend a day talking to my bank to convince them it wasn’t fraud and put the money back or the retired police super would bring a while world of pain my way! Thankfully he was very understanding!

    Premier Icon DrP
    Full Member

    So anyway….
    Fret not…
    I’ve had the classic “Once I send payment you will receive an alert confirmation email from the bank about my payment x”

    Like an email is going to do it for me!!

    DrP

    Premier Icon DrP
    Full Member

    “You should have the money in your account ending in ****4562 by today, May 20 as soon as the postage receipt has been uploaded to our data base.

    “You will only be credited with the total payment of £3,470.00 GBP as soon as you send the full tracking receipt with a short proof of postage to the wise bank email so you can now receive funds”

    Sigh…. ignore the OP!!

    Time to string along another scammer whilst signing prescriptions!!!

    DrP

    Premier Icon bruneep
    Full Member

    why not send a block of wood?

    Premier Icon hexhamstu
    Free Member

    Plenty things worse than a block of wood that fit into a box….

    Premier Icon DrP
    Full Member

    i’m actually trying to convince them i’ve got no money to pay for postage, but can’t get any money ‘released’ until i post it..catch 22..
    Trying to see if they can ACTUALLY transfer me £19, THEN i can post it, and then i’ll refund them the £19!!!

    I even made a package to make them think i’m real!

    DrP

    Premier Icon Cougar
    Full Member

    Bloody hell, how big are your wrists?

    Premier Icon DrP
    Full Member

    Pah…not playing ball…

    But i’ve got a tracking number to send them…

    DrP

    Premier Icon GlennQuagmire
    Free Member

    Brilliant 🤣🤣

    Premier Icon robola
    Full Member

    I think you’ve mixed that up with a prescription for impotence.

    Premier Icon DrP
    Full Member

    oh. they never play ball for too long…

    DrP

    Premier Icon johndoh
    Free Member

    ^^^😂😂😂😂😂😂

    Premier Icon johndoh
    Free Member

    No wonder none of us can get doctor’s appointments…

    Premier Icon DrP
    Full Member

    multitasking!!!
    😉

    DrP

    Premier Icon jeffl
    Full Member

    Brilliant

    Premier Icon DrP
    Full Member

    I normally respond to scammers with a picture of a huge dildo (but…NSFW on here) asking if they want the pink or black one…
    Brings me a little joy!

    DrP

    Premier Icon funkmasterp
    Full Member

    I want you as my GP. This is great

    Premier Icon matt_outandabout
    Full Member

    Superb trolling DrP.

    Premier Icon IHN
    Full Member

    To answer the original question – probably not. If you give someone your sortcode and account number, about the worst they can do is set up a Direct Debit, for which you’re covered by the Direct Debit Guarantee anyway.

    I am pretty sure (but not 100%) that a transfer can be recalled before it is credited to your account, but once you can see it the bank can’t remove it without seeking your permission (or going through a legal process).

    If it’s a Faster Payment, it can’t be recalled. The sending bank can attempt to claim the money back, but to do that they’d need to be convinced that it had been fraudulently (i.e. that their customer had been scammed into sending the money), and the receiving bank would have to confirm that their customer wasn’t being scammed out of the money by sending it back.

    Premier Icon ta11pau1
    Full Member

    Hacked/stolen account I’m guessing, they seem to have moved from Arkansas (only her though, not her husband) and now live in Luton, Bedfordshire, or maybe Luton, Devon. Also they studied “At Luton”…

    Hmmmm. 🤣

    Premier Icon K
    Full Member

    Someone at the local paddle club sold an item on Facebook with bank transfer, the transaction then resulted in funds later being removed and all their accounts and cards being frozen while for weeks while they were investigating. So yes potentially you could get screwed by being paid by bank transfer.

    Premier Icon bruneep
    Full Member

    You sir are not a Dr that handwriting is legible. I put it to you that you are the fraudster and scammer in this.

    Premier Icon IHN
    Full Member

    Someone at the local paddle club sold an item on Facebook with bank transfer, the transaction then resulted in funds later being removed and all their accounts and cards being frozen while for weeks while they were investigating. So yes potentially you could get screwed by being paid by bank transfer.

    I’d be interested to know the details of this because it sounds like there must be more to it.

    There are two methods of ‘Bank Transfer’ for money between UK bank accounts – Faster Payment (which is the method used when you send a direct payment to someone in your online banking/banking app), and CHAPS (which is the method used typically to send large amounts like house sale funds/mortgage funds, and there’s fee for it). It is very, very unlikely that, in either case, funds could be reversed/reclaimed without the knowledge or agreement of the person who initially received them.

    [and before someone says “what about BACS”, that’s not a thing anymore (at least not for person to person payments), it’s been replaced by Faster Payments]

    Premier Icon antigee
    Full Member

    ^^^I have an account which I transfer money in/out to meet activity rules but doesn’t have any real income or essential outgoings I use this for receiving or paying for odd FB or Gumtree items I just use the app to check funds been recvd…if ever gets suspended no problems

    Premier Icon DrP
    Full Member

    i used one of my spare accounds for the banking details. never has money going in or out, either…

    DrP

    Premier Icon montgomery
    Free Member

    At Christmas I had a random week’s wages paid into my account by a company I worked for six years ago. I just waited to see what would happen – and a few days later it vanished, without any communication! A week later I got a letter from the bank saying I could contest it (I didn’t, of course). Different circumstances to the OP, but it seems money can be taken out of your account without your permission…

    Premier Icon whatyadoinsucka
    Free Member

    past the timeframe now, so i can state a risk, aka Check its cleared.

    worked for a supermarket circa 2005 i had a boss who authorised the despatch of £15k of champagne from a store. essentially the customer would deposit the monies into a group bank account, once cleared/authorised, the branch manager would be informed and customer could come and collect.

    the cheeky rascal desposited a cheque at his local bank branch, my boss, checked the bank account and approved.

    later that day, i was reconciling the bank account, i asked my boss, what this cheque was that had been deposited, he told me the champagne info, i said i thought he was transfering cash, this is a cheque, it’ll probably bounce.. it did..

    Premier Icon leffeboy
    Full Member

    Thank you for that.  Proper real LOLs with your receipts.  These people make life horrible.  You have superb skills at staying calm and ripping the piss

    Premier Icon mattyfez
    Free Member

    It always seems to boil down to ‘send the item’ before they send the money in one way or another.

    At which point you can kiss goodbye to your item.

    Premier Icon footflaps
    Full Member

    No wonder none of us can get doctor’s appointments…

    🙂

    However, if you feign interest in buying an enormous watch, you’ll be seen right away……

    Premier Icon avdave2
    Free Member

    My kids seem to be able to scam me into making bank transfers..

    Premier Icon pandhandj
    Free Member

    i used one of my spare accounds for the banking details. never has money going in or out, either…

    DrP

    Your bank’s AML/transaction monitoring investigators just got a Dormant Account alert cause of you. 🤣🤣🤣

    Premier Icon robbie
    Free Member

    I’ve had an experience where someone paid me for an item I was selling on gumtree. Funds were in my account and I was going to drop it off rather than post as was only 20 miles away. But decided to send it with dpd tracked.
    Forward on a couple of days and I got a call from the bank saying my account had been frozen as they had had a report that I had received fraudulent funds. Turns out the buyer contacted his bank and said he hadn’t Recieved goods. He lied to his bank and told them it was a completely different item he had bought. I had proof of delivery with a pod. I had the add still active and I sent them all the messages to prove he was lying about what he bought. It took a few days to sort but went in my favour. If I had hand delivered it it could have been a very different outcome. So if you are posting anything in future you must use a tracked and signed service. I know they are more expensive but it’s not worth the risk not to.
    Beware scammers everywhere

Viewing 40 posts - 1 through 40 (of 47 total)

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