rubbish. I use and take em all the time. no prob. I guess we are just a lil more trustworthy. I also have a good eye for robbing bastiges.
Given your problems in maths, I wonder if cheques are a wise thing? http://www.dailyrecord.co.uk/news/scottish-news/scotland-slumps-down-international-education-9400422
really. every thread noob? not atall, like I said I can spot a prick a mile off. small community. just like on here.
smallish community, word gets around. rob one you have robbed us all. 6years in biz only owed about 200. I can spot a robbing prick a mile off.
I said exactly what you did. I said make sure the transfer is cleared and irreversible before parting with the goods. "Cleared" merely means the bank's systems have spoken to each other and the money has successfully left one account and arrived in the other. It does NOT mean it can't be cancelled. Or take cash. I've had it chapter and verse from the fraud team on the MCN classifieds (very helpful actually). Its the oldest scam in the book: transfer the funds at point of sale, take the goods and cancel the transfer on your way out. I checked with my bank and yes it can be done.
Having spent a few hours with City of London fraud (no nothing to do with Elsie) on account of an AC system I installed, was paid double and then refunded the difference. However I waiting nearly 6 weeks (based on the bank advice given the money route... Virgin Islands, New York to London and that's just the bit we could see). It wasn't a mega amount of money (£15K-20K). Having spent 48hrs in his house and listen to him on the phone I knew he was trouble. He threatened me with legal action and all sorts (legs broke... knows a guy etc). 20th Dec to nearly Feb I held on ....then I refunded, by that time the originating account was closed? Banks said Ok, and paid it to a similar name in the middle East. This guy is Uber rich living within 1/2 a mile of the queen. Six months later I'm with the police explaining that I don't have any of the stolen money..... so for all you experts out there... live it.
The Con man does't collect the bike, he uses a dodgy courier. So all he does is the minute the vans out your road they ring the bank and say there's been an unauthorised payment for £xxx. Bank has no choice but to refund and your left in the lurch with no money and a stolen bike you'll never see again .... The Con Man has been nowhere near the bike, so they are free and clear.
I didn't know you could cancel a bank transfer once it had been transferred. So basically you are risking counterfeit cash on the one hand or a cancelled bank transfer on the other; either way you have to trust the counterparty and take a risk?
Or ring the bank to confirm it has cleared and cannot be reversed, I've done this a few times, no issues, so I'm not sure how they could cancel once the bank confirms its cleared ?
Mate, I only meant it tongue in cheek, cause at first you said "insist on cash", then "do a bank transfer" so I got the drift of what you said, was just taking the piss a little of how you said it.
In the UK a payment made by bank transfer can be reversed but a bank will not automatically reverse funds, unlike a SEPA payment in Europe where there is a no quibble reversal period of a few days. In the UK there will be an investigation into the transfer first and the receiving bank will decide whether the transaction should be upheld or not. A few things to consider 1) as others suggest as a seller they seem to have a dubious reputation why would their approach be different when buying? i'd take reputation with a pinch of salt the interweb is full of shit at the best of times. 2) they aren't coming to collect it themselves and instead are using a courier? 3) they agreed cash and have now changed their mind None of the 3 on there own are particularly of concern but not picking it up themselves and using a bank transfer allows them to use the 'not as described' argument when they get it out of the van at the other end. There are some practical measures you can take: 1) Send them current photos of the bike highlighting any blemishes and ask them to confirm that they accept the purchase of the bike unseen and accept any damage caused in transit. 2) take photos of the courier with the bike to prove it is in the same condition as the photos you sent. 3) Get them to email you copies of their ID - i.e. prove to you who they say they are - use social media to check them out 4) Ask them to make the statement narrative (reference) as your name - can't pretend it wasn't intended for you then 5) Wait for the money to clear before releasing the bike phone the bank and make sure they can't get it back 6) tell them you will not change the owner on the V5 until they have accepted the bike at the other end or 1) tell them cash as agreed or no deal - don't let the courier rush you counting it and know what to look for http://www.bankofengland.co.uk/banknotes/Documents/kyb_lo_res.pdf has the new £10 note in it... NB if in doubt ask your bank what they would accept in defence of a reversal attempt (get it in writing ).
All useful stiff, however there is nothing like hearing of an actual account of dealing with the bastardS!
some fantastic advice...cheers, so I told them its cash on collection or pay pal they agreed paypal but.....now they are saying they will pay pal the money across once they have checked documents. I responded thus ok but your driver will be waiting outside in his van for a long time whilst i checked it has cleared, also driver to bring photo ID and a covering letter from you (the purchaser) plus the purchaser has to e-mail me the same expressing their knowledge and authorisation for this particular driver to sign paperwork and act on their behalf plus a conformation or the rg number of vehicle the bike will be collected in. TBH I am now convinced this is a scam and will just tell him to bugger off tomorrow morning I think
