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Advice plz:: how safe is paying for goods via bank transfer? to a private seller on ie - gumtree

Posted 18th Apr 2014
hi guys..
im always buying things off gumtree..
and most people ask for bank transfer then they will send goods..
so what protection level is there?
if i pay from online bank with a refrence to what im buying?
am i really protected? or is it once my money has gone to the other parties bank.i cant get anything back.if item is never sent and im conned.
paypal ..isnt as i thought it would be.it dont really give 100 % protection.for example i buy a phone for £300..after the 40+ days have gone.u cant open a dispute.incase the phone gets blocked.

thanks for ready and sorry for any spelling mistakes ive made..
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