How to pay for purchases safely using Bank Transfer or Cheques? - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit
Expired

How to pay for purchases safely using Bank Transfer or Cheques?

The End Avatar
5y, 8m agoPosted 5 years, 8 months ago
Hi guys I've always been the cautious type on eBay when buying so only using Paypal when paying. However, when I'm trying to buy something from other sites people don't like Paypal because of chargebacks etc so want bank transfer etc...

Can anyone help me to understand how safe it is to use methods of payment other than Paypal?

If I pay someone first before they send item using bank transfer what protections do I have? If I pay someone using Cheque again what protections do I have? Same question for Postal orders?
The End Avatar
5y, 8m agoPosted 5 years, 8 months ago
Options

All Comments

(13) Jump to unreadPost a comment
Comments/page:
#1
I think your only safest way to pay is Paypal, I can understand sellers on other sites not wanting normal paypal due to charges, but offer to pay the fees yourself.

Chargebacks I do worry about too, but for your own safety Paypal is the only one I think/
#2
Thanks a lot fanpages!

I guess your advice rules out this phone I wanted from someone who's in Dundee. I'm near the south side so can't go there at all to collect. I'm trying to get them to put it up on eBay but still waiting for reply...I hate missing out on really good deals!!


Edited By: The End on Mar 28, 2011 11:39
#3
fanpages
PS. Mobile handsets are always a difficult area to advise on & I do not wish to put you off buying something you want, but I have seen instances where handsets have been reported lost or stolen after being sold so the seller can claim a new handset (& keep your payment for the old one).

fp.


This is happening more and more. I work for one of the network, I'm getting 2 to 3 calls a week from people who've bought a phone only to then have it stop working weeks or months after. Once the original owner reports it lost or stolen that's it. it'll be blacklisted and there's no way you can get that lifted.

Be very careful. . .


Edited By: steve1221 on Mar 28, 2011 11:50
#4
The seller has replied and is keen to put it on eBay! Seems like a good deal, unless he puts it on eBay and I find he has 0 feedback lol.
#5
Yes I've used ebay quite a lot so I'll insist on Buy it Now and Paypal. Plus when we were negotiating the price he mentioned they sell for x amount on ebay and I knew he was right.
#6
TIME OUT!

He's changed his mind it seems!

Now he says he'll send me a Paypal invoice since he can't afford Paypal or eBay fees! And he'll send 2nd class recorded tomorrow. *Gulp!*

So guys is Paypal invoice safe?

Here's more info on it but I need someone who knows more about it: Your text here


Edited By: The End on Mar 28, 2011 12:15
#7
fanpages
The End
The seller has replied and is keen to put it on eBay! Seems like a good deal, unless he puts it on eBay and I find he has 0 feedback lol.


Has the seller realised the handset may be worth more than you have offered for it? Will he/she be listing as a “Buy It Now” listing, or a standard auction listing? You may well find once on eBay it is outside of your budget at the close of the auction anyway so the decision is made for you!

Will eBay insist on the use of PayPal?

If so, please note my comments about the "as Gift" option (above).

You may save a small percentage of the total cost using this option, but it will be the larger percentage you lose if the sale turns out to be fraudulent.

If you are not completely sure to proceed, then do not. Other handsets are available. Another will be on sale tomorrow, or very soon thereafter.

BFN,

fp.



You can't use Paypal gift on Ebay. The system is automated and will not allow that selection.

Some good advice in here Fanpages.

But don't be so sure of Paypal being so protective regardless of fees being paid, they tend to side with a buyer and as a seller it's pretty much redundant if you sell here or anywhere. As a buyer it is a little more protective but it's not fool proof. I tend to prefer BT as a lot of others do on here, but with so many requesting Paypal it's a little hard to resist.
#8
fanpages
fanpages
PS. Mobile handsets are always a difficult area to advise on & I do not wish to put you off buying something you want, but I have seen instances where handsets have been reported lost or stolen after being sold so the seller can claim a new handset (& keep your payment for the old one)...

steve1221
This is happening more and more. I work for one of the network, I'm getting 2 to 3 calls a week from people who've bought a phone only to then have it stop working weeks or months after. Once the original owner reports it lost or stolen that's it. it'll be blacklisted and there's no way you can get that lifted.

Be very careful. . .


"2 to 3 calls a week from people..." out of how many calls in total that you take steve1221?

...and how many calls is that out of an entire week amongst your colleagues?

It is difficult to judge if it is a serious issue without realising the extent of your experience or the percentage of total calls in any given week, month, or year.

Then again, without comparable sales figures in the same period & an estimate of unreported instances, the reported issues are the only information we have to base any trends upon.

This aside, another classifieds forum that I visit (not as regularly as here) has stopped the sale of mobile handsets completely for the very reason we both described though.

BFN,

fp.



Well, I'm not frontline staff. I work in the fraud dept, but we get these things passed through.
2 to 3 a week, but at the start of last year we got none at all as no one was doing it (as far as I can tell).
There are about 12 in our team at this site and another 20 odd up north.

On the whole its phones sold on Ebay and Gumtree. We do look into it (when we have time) and we do flag obvious fraudulent claims and pass the info to the insurance team. To be honest, most of the people who have a contract phone, sell it and then claim aren't the sharpest tools in the shed and it takes about 2 minutes with the system to prove the point.

What is happening more and more is that organised groups are fraudulently getting new phones from dealers (using ID theft) and then selling the phone on.
We find the fraud and blacklist the phone, the buyer then calls to find out why his phones not working! (the sims are used in other ways to try to defraud the networks).

Edited By: steve1221 on Mar 28, 2011 12:43
banned#9
steve1221
fanpages
PS. Mobile handsets are always a difficult area to advise on & I do not wish to put you off buying something you want, but I have seen instances where handsets have been reported lost or stolen after being sold so the seller can claim a new handset (& keep your payment for the old one).

fp.


This is happening more and more. I work for one of the network, I'm getting 2 to 3 calls a week from people who've bought a phone only to then have it stop working weeks or months after. Once the original owner reports it lost or stolen that's it. it'll be blacklisted and there's no way you can get that lifted.

Be very careful. . .



Surely the networks should stop being so dense and check when the account holders sim was last used in that handset and if it wasnt within say 24 hours, then they should not blacklist the phone, only barr the sim card. There needs to be a time limit in place, which gives ebayers a time frame to raise a paypal dispute (within 45 days) to ensure they are not a victim of this ever emerging scam.
banned 1 Like #10
Adnan786
steve1221
fanpages
PS. Mobile handsets are always a difficult area to advise on & I do not wish to put you off buying something you want, but I have seen instances where handsets have been reported lost or stolen after being sold so the seller can claim a new handset (& keep your payment for the old one).

fp.


This is happening more and more. I work for one of the network, I'm getting 2 to 3 calls a week from people who've bought a phone only to then have it stop working weeks or months after. Once the original owner reports it lost or stolen that's it. it'll be blacklisted and there's no way you can get that lifted.

Be very careful. . .



Surely the networks should stop being so dense and check when the account holders sim was last used in that handset and if it wasnt within say 24 hours, then they should not blacklist the phone, only barr the sim card. There needs to be a time limit in place, which gives ebayers a time frame to raise a paypal dispute (within 45 days) to ensure they are not a victim of this ever emerging scam.


Bit confused as to why you think the networks are being dense TBH. A phone is reported lost or stolen, if its replaced under insurance then obviously the phone should be barred.
What the insurance company should be doing is prosecuting people for fraud every time they catch someone doing this, and if caught the networks should ban the customer completely from any UK network.
#11
1 last thing guys, I like the idea about just making a contract which you can get the seller to sign. The only problem is that they may fake their name and signiture on it. So how would you get around that problem? Also you can just write a contract by hand right without having to do some fancy typing?

Edited By: The End on Mar 28, 2011 16:52
#12
The only advice I have for yo right now - walk away.
It all sounds rather dubious and I would not risk purchasing a mobile phone off eBay, for risk of the seller claiming for it on insurance and your phone getting barred after the 60 day paypal dispute period is over.
Also, recorded post will only cover £41 insurance, if it is more expensive than this I suggest special delivery.
banned#13
colinsunderland
Adnan786
steve1221
fanpages
PS. Mobile handsets are always a difficult area to advise on & I do not wish to put you off buying something you want, but I have seen instances where handsets have been reported lost or stolen after being sold so the seller can claim a new handset (& keep your payment for the old one).

fp.


This is happening more and more. I work for one of the network, I'm getting 2 to 3 calls a week from people who've bought a phone only to then have it stop working weeks or months after. Once the original owner reports it lost or stolen that's it. it'll be blacklisted and there's no way you can get that lifted.

Be very careful. . .



Surely the networks should stop being so dense and check when the account holders sim was last used in that handset and if it wasnt within say 24 hours, then they should not blacklist the phone, only barr the sim card. There needs to be a time limit in place, which gives ebayers a time frame to raise a paypal dispute (within 45 days) to ensure they are not a victim of this ever emerging scam.


Bit confused as to why you think the networks are being dense TBH. A phone is reported lost or stolen, if its replaced under insurance then obviously the phone should be barred.
What the insurance company should be doing is prosecuting people for fraud every time they catch someone doing this, and if caught the networks should ban the customer completely from any UK network.


My insurance companies requirement is that you need to register the sim that you intend to use in the insured handset with them and its a express condition of the insurance that the sim must be in that handset when it gets lost or stolen. This automatically stops me from letting a scenario such as the above from happening. Also, theres a clause as to within which time frame i should have to report it to them, the network and the police.

A network operator acts recklessly and densely when they can see that your sim hasnt been used in that phone for an x amount of time or if you are the victim and call up the operator and explain to them to check the last, say, 3 months history of your sim and the handsets imei being used in conjunction of one another, they still tell you that you must get the person who its registered to to call and get it unbarred. Clearly they can see that you couldnt have stolen it, used it for an x amount of time and then all of a sudden, its been claimed as stolen.

One should be able to put their sim card in a phone, call up their operator and tell them that this is their new phone and imei number and it should be able to be registered to you after a x amount of period of giving that notice (so that if it is stolen, the owner can report/blacklist the phone within that period).

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!