Have I been subject to FRAUD

Chopper83_2

I saw an advertisement for an I phone in the LOOT Online. I spoke to the seller and we arranges a price of £280.
She sent me her bank details so I trusted her and sent the full amount.
She sent me a tracking number but after 3 weeks the item still never arrived. She said she going through the correct procedures to claim the lost item back on her insurance. She claimed the Royal Mail had lost the delivery.
Now she keeps saying she will transfer the full amount back, but never does.
She is now not answering her phone nor replying to her messages.

Some advice would be wonderful

Thanks for taking time to read

gnaril

Scammed- Clearly.

No reputable merchant is going to ask you to transfer funds to their bank account. You have no recourse from your bank for assistance with this if you dont recieve the item.

You could possibly contact the police though im not sure exactly what they would be able to do in this case.

NEVER EVER EVER EVER EVER EVER EVER EVER PAY via transferring money from your own bank account. Pay using a credit card/visa debit card ONLY. thay way you can ask for a chargeback if you do not recieve the goods you have been charged for. Granted it doesnt help in your case at the mo however for future reference.

All the best

pinkshoes

Other than contacting the police, there's not a lot you can do! Do you have a name and address for her?!

cyberbob

gnaril wrote: »

NEVER EVER EVER EVER EVER EVER EVER EVER PAY via transferring money from your own bank account. Pay using a credit card/visa debit card ONLY. thay way you can ask for a chargeback if you do not recieve the goods you have been charged for. Granted it doesnt help in your case at the mo however for future reference.

All the best

You could also pay via paypal as you have full coverage for non receipt now

https://www.paypal-talk.co.uk/About-us/News-stories/?category=39

Bank transfer a scammers favourite

Chopper83_2

pinkshoes wrote: »

Other than contacting the police, there's not a lot you can do! Do you have a name and address for her?!

I have her name, email address, banking details and her telephone number that she occasionally replies to.

Dr.Shoe_2

gnaril wrote: »

Scammed- Clearly.

No reputable merchant is going to ask you to transfer funds to their bank account. You have no recourse from your bank for assistance with this if you dont recieve the item.

You could possibly contact the police though im not sure exactly what they would be able to do in this case.

NEVER EVER EVER EVER EVER EVER EVER EVER PAY via transferring money from your own bank account. Pay using a credit card/visa debit card ONLY. thay way you can ask for a chargeback if you do not recieve the goods you have been charged for. Granted it doesnt help in your case at the mo however for future reference.

All the best

Erm... you can't always get the charge back on a debit card, in fact with most you can't. S75 of the CCA 1974 only applies to credit cards as debit cards had not been invented at that time.

Chopper83_2

I spoke to Santander in December. The assistant on the phone seemed to think I was covered, especially over the xmas period when things like this happen all the time

bazster

Chopper83 wrote: »

I spoke to Santander in December. The assistant on the phone seemed to think I was covered, especially over the xmas period when things like this happen all the time

You are no more "covered" than if you went out into the street and gave the cash to a complete stranger. Which, in effect, is what you have done.

Sounds like you have enough details for the police to trace this person, but you'll have a hell of a job getting them out of the doughnut shop in order to do so.

pug_in_a_bed

Try 192.com to trace her address then take her to the small claims court

Chopper83_2

pug_in_a_bed wrote: »

Try 192.com to trace her address then take her to the small claims court

What a great idea. Looked her name upo and only 1 name came up in the area of southend on sea, where she is from. What should I do?

Dr.Shoe_2

Go into your local branch of her bank and ask them to confirm if their records match the address of this woman you've found in Southend. I doubt whether they'd tell you but you might be able to gauge by their reaction... Alternatively, pop round and see her! lol

(I'm sure you live some distance away but you know what I mean...)