Bank Transfer payment ?

If someone buys something from me using bank transfer,Can they claim it back from the bank like saying they never received the item or any other reason ?

32 Comments

Well depends on the circumstances but in general no.

Original Poster

I'll be sending Recorded & just hoping it's not like paypal :-)

WheresMeNuts

I'll be sending Recorded & just hoping it's not like paypal :-)



No it's not 2 way like paypal. The only way for them to get their money back would be to put in a fraud case with the bank, say if you took money for the goods and then deliberately dont send the goods.

Banned

GAVINLEWISHUKD

No it's not 2 way like paypal. The only way for them to get their money … No it's not 2 way like paypal. The only way for them to get their money back would be to put in a fraud case with the bank, say if you took money for the goods and then deliberately dont send the goods.



thats not right.
The only way they would get it back would be if it was an unathorised transaction.

GAVINLEWISHUKD

Well depends on the circumstances but in general no.

doesn't depend on anything. Its just no.

Original Poster

Great was selling something on ebay for £450 & a guy messaged me & offered me £425 & I have agreed.I just hope he's not using a stolen bank card :-/

Banned

WheresMeNuts

Great was selling something on ebay for £450 & a guy messaged me & … Great was selling something on ebay for £450 & a guy messaged me & offered me £425 & I have agreed.I just hope he's not using a stolen bank card :-/



just try to verify as much as you can.
Check the address to post to is the same as his ebay address
make the ref something like for xxx from ebay
post using signed for service at least (special or courier would be much better)

Original Poster

Will do thanks.

deek72

doesn't depend on anything. Its just no.



If you deposit money into a bank account for a product or service and you can prove that the end user is not going to provide that service then you can contact the bank which has a duty to contact the recipients bank, who will contact the customer.

If that doesn't get a result contact the police as and report the theft. This is classed under section 15(1) of the 1968 theft act 'obtaining property by deception'.

But as I said generally no.

What information the seller gives to the buyer for the bank transfer? Is it the bank account number and the sort code? Anything else? How to proceed?

I can see a part 2 to this thread.

Banned

thesaint

I can see a part 2 to this thread.



why?

Original Poster

thesaint

I can see a part 2 to this thread.

I think he can only get his money back if he says his Credit card was stolen.He has given me a Address with postcode & if it's his ebay Account (not hacked) then he looks a honest guy with over 600 100% Feedbacks.

If they are buying it from you and paying by bank transfer then it is likely that it will go through by Faster Payments, whereby the funds clear to you almost instantly. This method is effectively as good as giving you cash. It cannot be reversed by the bank, the only way that the bank may entertain a claim is if the customer was to claim that their online banking has somehow been hacked and funds transferred to you. Their bank would then, if they beleive their customer (they will usually claim that the customer must have given their details for online banking to a 3rd party, or use IP tracking to evidence that the customer made the transfer) write to your bank to request that they refund the money. It is not al all like PayPal where the funds are tied to the item, using BT is a method of passing funds - they are not linked to the item, and if the purchaser claims they have not received the goods this is a case between you and them that the bank will not get involved in.

Otto.uk

What information the seller gives to the buyer for the bank transfer? Is … What information the seller gives to the buyer for the bank transfer? Is it the bank account number and the sort code? Anything else? How to proceed?



Yes, thats correct. They may also ask for your account holding name.

WheresMeNuts

I'll be sending Recorded & just hoping it's not like paypal :-)



so youll be sending recorded for an item worth £450? lol

Original Poster

doritos

so youll be sending recorded for an item worth £450? lol

So do you think it would be better to just jump a Bus to London from Glasgow ;-/

WheresMeNuts

So do you think it would be better to just jump a Bus to London from … So do you think it would be better to just jump a Bus to London from Glasgow ;-/



lol you really are naive.

Recorded only covers up to £41.
So if it gets lost or damaged your out of pocket as your item is worth £450.

You need to post special or book a courier with the compensation cover.
Edited by: "doritos" 15th Jan 2011

Original Poster

doritos

lol you really are naive.Recorded only covers up to £41.So if it gets … lol you really are naive.Recorded only covers up to £41.So if it gets lost or damaged your out of pocket as your item is worth £450.You need to post special or book a courier with the compensation cover.

I'm posting SPECIAL RECORDED DELIVERY.

There is no such thing as special recorded delivery


There is special delivery or recorded delivery,I suggest you use the first(and refrain from shouting)


Edited by: "boothy" 15th Jan 2011

Original Poster

boothy

There is no such thing as special recorded deliveryThere is special … There is no such thing as special recorded deliveryThere is special delivery or recorded delivery,I suggest you use the first(and refrain from shouting)

Special recorded next-day delivery is that not what it's called ?
As for SHOUTING,maybe the Guy/Girl should stop using sentences like "you really are naive" as people like myself take such statement as insult.

WheresMeNuts

Special recorded next-day delivery is that not what it's called ?



No


Edited by: "boothy" 15th Jan 2011

thesaint

I can see a part 2 to this thread.



colinsunderland

why?



1.The buyer has messaged outside of Ebay to save themselves £25 seemingly, but then loses all protection Paypal affords.
Would you bypass Ebay's buyer protection on a £450 item to save £25?

2. The seller has no idea about the method of postage to use.

3. The seller has no idea whether the buyer is going to deposit cash into their account.

4. The seller thinks as long as the "credit card" used is not stolen, it's fine.

5. The whole thing stinks.


Edited by: "thesaint" 15th Jan 2011

WheresMeNuts

Special recorded next-day delivery is that not what it's called ?As for … Special recorded next-day delivery is that not what it's called ?As for SHOUTING,maybe the Guy/Girl should stop using sentences like "you really are naive" as people like myself take such statement as insult.



He was just trying to help, calm down.

oh dear

Its a safe bet that the item the Op is referring to is a comet gift card that he tried to sell on here


hotukdeals.com/for…639

started another thread on AV whilst listed still listed on here and is STILL is for sale on AV

avforums.com/for…tml

and now has apparently been sold out of auction on ebay


dodgier than a man with a dodgy leg driving a dodgem


Edited by: "boothy" 15th Jan 2011

OP,now serving suspension over on AV forums.......the plot thickens

Banned

thesaint

I can see a part 2 to this thread.

colinsunderland

why?



except the buyer isn't paying by credit card, bank transfers cannot be reversed unless it was a fraudulent transfer, and depositing cash pr doing a transfer doesn't really make that much difference.

Original Poster




haha is this supposed to make me angry Poofhy ? You think I care if you run around all day wasting your time reporting people after looking at what they have sold recently..You should get a Job or get out more.Any Idiot can see I never had a post on here & also on AVForums at the same time.You just like to hide behind the Keyboard.I say you are a coward & are scared of a face to face with me.Am I correct ?

Also I'm not on any suspension at AVForums you weak man.You are Trolling again as weak people do.
Why does Boothy make things sound like Crime of the Century ?

boothy

oh dearIts a safe bet that the item the Op is referring to is a comet … oh dearIts a safe bet that the item the Op is referring to is a comet gift card that he tried to sell on herehttp://www.hotukdeals.com/for-sale-trade/for-sale-comet-gift-card-with-recei/848639started another thread on AV whilst listed still listed on here and is STILL is for sale on AVhttp://www.avforums.com/forums/non-electrical-goods-classified-adverts/1392278-sale-comet-gift-card-receipt.htmland now has apparently been sold out of auction on ebaydodgier than a man with a dodgy leg driving a dodgem

boothy

OP,now serving suspension over on AV forums.......the plot thickens

thesaint

I can see a part 2 to this thread.

colinsunderland

why?



2. The seller has no idea about the method of postage to use.I said recorded & was always going to post Recorded by Special delivery.

3. The seller has no idea whether the buyer is going to deposit cash into their account.I already had the money in my bank & then that's why I came here to ask about BT.

4. The seller thinks as long as the "credit card" used is not stolen, it's fine.I still think that & why do you not ?

5. The whole thing stinks.Stinks of what ? Me accepting someone's offer for something by BT & then me & the buyer saving money on the item & both of us are happy ?

Are you saying you would not do the same lmao.


Edited by: "WheresMeNuts" 15th Jan 2011

The last post on the HUKD thread is after the first post on the AV thread hence the thread on here was not closed before listing on there,as per forum rules and you wasted a members time as they made offers after you listed on AV To which you failed to reply

Apologies you are on a month long trading ban on AV for listing elsewhere.


Also homophobia and sending veiled threats via pm is a bit silly

Good Day
Edited by: "boothy" 16th Jan 2011

1.There is no such thing as special recorderded delivery

2. Bank transfers are not paid by credit cards, they are paid from a bank account

3. Selling outside eBay to save £25 is going to end in tears

Edited by: "souljacker" 16th Jan 2011

Original Poster

boothy

The last post on the HUKD thread is after the first post on the AV thread … The last post on the HUKD thread is after the first post on the AV thread hence the thread on here was not closed before listing on there,as per forum rules and you wasted a members time as they made offers after you listed on AV To which you failed to replyApologies you are on a month long trading ban on AV for listing elsewhere.Also homophobia and sending veiled threats via pm is a bit sillyGood Day

You will have to accept you are to weak to be a mod & to much of a snide person who prides themselves in trying to hurt others.I've seen you insult people on here who have been scammed on a daily basis & people like you are the one's who should be banned.

The PM I sent you you should copy & paste in here instead of making-up more story's.
As for having the same item on here & AVForums at the same time you are telling more porkies.
My listing on here states No longer for sale & then I went to AVForums.
As for having it on AVForums & ebay then this is correct,But on AVForums my last post said Last bump or going on ebay....2 days later it went on ebay.

You are weak & a coward as I've told you many times & you have no balls to back this up,But you instead want to keep hiding behind a Keyboard.

Woopy Woopy Do "Crime of the Century" & you wasted more time jumping from Forum to Forum reporting people for something so silly.
Why are you so Weak ?


souljacker

1.There us no such thing as special recorderded delivery2. Bank transfers … 1.There us no such thing as special recorderded delivery2. Bank transfers are bit paid by credit cards3. Selling outside eBay to save £25 is going to end in tears

it's Special delivery that is Recorded & that is what I meant & but not a problem any way.

Selling outside of ebay was OK because the buyer sent me payment first & that's why I asked on this Thread for help.

You will find when people ask for help on here you get Boothy trying to insult them almost everyday & nothing happens to him.You then get someone selling something & they make it clear on the Thread Item is no longer for Sale & you then get a weak guy who wants to be a mod press the report button.....I know he's a weak guy & he knows it as well.

colinsunderland

except the buyer isn't paying by credit card,



I never said they were.

colinsunderland

bank transfers cannot be reversed unless it was a fraudulent transfer,



Let's hope it's not.

colinsunderland

and depositing cash pr doing a transfer doesn't really make that much … and depositing cash pr doing a transfer doesn't really make that much difference.



I'm glad it's cash that was deposited, and not a cheque.
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