Gumtree sale: Would you ship to Ireland after bank xfer payment?

[.Lethal]

This thread cracks me up. Have any of the posters above had a bank transfer reversed/cancelled personally? Or had face to face transactions where the cash was fake?

You would think on a forum this big that people could relate to their own personal experiences and lessons learnt through any mistake/consequences, instead it's turned into scare mongering.

 

[bremen1874]

turned into scare mongering

More like sensible caution.

If you're unsure enough about a transaction to be asking about it on a forum it's probably best to walk away.

 

[ik9000]

I nearly asked this once for something that was £500 then thought better of it. Shame though as they're pretty rare. I realised that handing over the cash and trusting them to ship it was not worth the risk. What I have done once is ask someone if they didn't mind hanging onto it for a few more weeks so I could stop by on my way up north. They did, and I have the item sat next to me here. That was £150. But £1000? what is the item?

 

[Efour]

Don't care but what are you selling?

 

[Malevolence]

Or had face to face transactions where the cash was fake?

Yes. Had a few people turn up in the past and attempt to pay with moody notes. It's the cheek that gets me, some of them were of laughable quality and looked like they'd just been printed out. Had one lad who tried it on when I was selling an old Marantz CD player who just held his hands up, apologised and said "I wouldn't bother mate, they're dodgy as ****" when I pulled the UV light out.

 

[NVP]

Fakes today are tough to spot! It's not like the old days where you could tell from that first moment due to the sound/texture when touching, these days the first I'm aware is when the bank machine refuses to accept it, the ********.

Minor though, I keep them in circulation by using them for my petrol instead

 

[jpaul]

Feel free to get your "We told you so!" posts ready for when this all goes wrong and I come back crying

google, suggests this as the usual scam,

A proper bank transfer is completely safe, however a scammer will work a variation of the old scam and send a message purporting to be from your bank saying that you have funds of XX waiting to be credited to your account and these will be released once you supply a tracking number to show items has been sent. It only works if people actually believe banks offer an escrow service. When taking a bank transfer always check you have cleared fu ds in your account before posting anything.

personally, had not succumbed to this variant , on an armchair, someone wanted abroad

If the item requires shipping they will tell you that they will pay you extra and you must pay the agent via western union / moneygram BEFORE paypal will release the funds to you.
They are not interested in the item, they just want the western union etc funds and you will never see money in your paypal balance

 

[413x]

This thread cracks me up. Have any of the posters above had a bank transfer reversed/cancelled personally? Or had face to face transactions where the cash was fake?

You would think on a forum this big that people could relate to their own personal experiences and lessons learnt through any mistake/consequences, instead it's turned into scare mongering.

I was paid from a hacked account once. It caused a hell of a lot of grief. Was very scary. My bank thought I was in on it!

 

[413x]

Worth noting that buyers money may not actually be their own money used to pay you (e.g. they are a mule) - Basically using the proceeds of crime to pay you so you are in receipt. Whilst you are receiving in good faith - it could get a bit messy if it turns out to be fraud. Walk away.

This is exactly what happened to me. I had to prove to the bank I wasn't in on it. They locked my account completely. And didn't tell me.

No money in. No money out. Including wages and direct debits

 

[Semple]

So for anyone looking in the future, I have spoken to Natwest (my bank) and AID (According to AIB, the biggest bank in Ireland) and if you send money via Bank Transfer, and want to try and recover it (Either you've sent it to the wrong person or are being scammed):

1. Contact your bank
2. They will request the other persons bank to ask the receiver to agree to send the money back
3. Only if the person who received the money agrees will you get your money back

Confident after doing some due diligence that there's no way for the payment to be reversed.

Feel free to get your "We told you so!" posts ready for when this all goes wrong and I come back crying

They've only talked you through the options if the sender is legit. You needed to ask what would happen if an account sent you money, was later found to be fraudulent, as i'm pretty sure in these cases the banks would reverse the transaction without even notifying you.

 

[Chrisc]

Don't care but what are you selling?

Spuds

 

[413x]

So for anyone looking in the future, I have spoken to Natwest (my bank) and AID (According to AIB, the biggest bank in Ireland) and if you send money via Bank Transfer, and want to try and recover it (Either you've sent it to the wrong person or are being scammed):

1. Contact your bank
2. They will request the other persons bank to ask the receiver to agree to send the money back
3. Only if the person who received the money agrees will you get your money back

Confident after doing some due diligence that there's no way for the payment to be reversed.

Feel free to get your "We told you so!" posts ready for when this all goes wrong and I come back crying

It probably will be fine. I'm just scared of my past experience!

 

[Megahurtz400]

The buyer would have to have their Gumtree 'range' set to 400 miles.

What is the item?

Don't care but what are you selling?

My PC. Would rather sell without splitting as I don't want random bits and bobs left about and had no bites on the MM.

They've only talked you through the options if the sender is legit. You needed to ask what would happen if an account sent you money, was later found to be fraudulent, as i'm pretty sure in these cases the banks would reverse the transaction without even notifying you.

This is a very valid point.

Well after saying i'd take the bank transfer but want to wait until it's cleared into my account she said she was worried that I could scam her that way by not sending it. So I was either about to be scammed or she was genuine, but we will never know, sorry for the disappointing ending guys!

google, suggests this as the usual scam,

personally, had not succumbed to this variant , on an armchair, someone wanted abroad

If i'm selling anything online and someone mentions Western Union that's me out!

It was the offer of Bank Transfer which had me a bit stumped as I thought they were irreversible!

 

[Semple]

Well after saying i'd take the bank transfer but want to wait until it's cleared into my account she said she was worried that I could scam her that way by not sending it. So I was either about to be scammed or she was genuine, but we will never know, sorry for the disappointing ending guys!

If i'm selling anything online and someone mentions Western Union that's me out!

It was the offer of Bank Transfer which had me a bit stumped as I thought they were irreversible!

Seems a bit weird as that would have been obvious from the start, assuming she was a legitimate buyer she would have placed trust in your hands to send the item as soon as she had BT'd the money.

Might be a disappointing ending, but at least you're not out of pocket.

In genuine circumstances bank transfers are irreversible - there's been a number of stories where people have accidently sent money to someone else, and have then had a real battle to try and get it back - in some cases failing. If the account had been hijacked though - stolen password, identity cloned etc, and was then used to send money, i believe in those circumstances the bank are able to reverse the transactions - which unfortunately normally leaves the innocent 3rd party out of pocket.

 

[Dangerous Dave]

A BACs payment can be reversed up until around 4 on the day of payment Once you mentioned waiting a day they pulled out sounds like they might have used this method.

 

[cheesyboy]

I sold a vintage picnic set (was my wife's grandparents') on gumtree once where the buyer offered to BT the money. I was a bit dubious about it, but it all worked out ok. Was only about £30 or £40, though. So not too big a deal if it went sideways.

 

[Efour]

What mug would buy a 2nd hand system like that from another country. Not shipped by specialist.. you taking to bits and she rebuilding?
That alone stinks a bit.


I don't believe it to be true. Let us know how it went. Good luck.

What buyer would bank transfer 1k to a random seller in another country? Don't fall for the
female bit.

Did I make up the female bit? Tripping balls.

 

[booyaka]

What mug would buy a 2nd hand system like that from another country. Not shipped by specialist.. you taking to bits and she rebuilding?
That alone stinks a bit.


I don't believe it to be true. Let us know how it went. Good luck.

What buyer would bank transfer 1k to a random seller in another country? Don't fall for the
female bit.

Did I make up the female bit? Tripping balls.

100% agree - Sending a pc by courier to a different country and getting £1000 by bank transfer to someone you've never met - Scam all the way.

It's either a stolen/hijacked bank account OR this will end up with a claim/threat the item is damaged/not delivered and threats of refunds etc.

It's dead simple - Cash in hand....nothing else.

 

[Efour]

Plot twist. Take the grand and keep it

 

[413x]

They've only talked you through the options if the sender is legit. You needed to ask what would happen if an account sent you money, was later found to be fraudulent, as i'm pretty sure in these cases the banks would reverse the transaction without even notifying you.

It got much worse than that for me


Looks like the person was genuine and got scared. Rightly so! Fact they even entertained it is why scamming like this exists