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

opinions4u

You've been had.

You should probably report it to the police, but I suspect the bank account has long since been emptied and there will be little they can do.

welshmoneylover

sounds as if you've been had mate, haven't u heeded the warnings about scammers?

D1zzy

Sorry if this is a brain dead question , but how do you buy something safely from an individual when you can't meet up?

Chopper83_2

D1zzy wrote: »

Sorry if this is a brain dead question , but how do you buy something safely from an individual when you can't meet up?

This was the stupid risk I took

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

glider3560

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

Covered by what? They is no protection with a bank transfer.

Chopper83_2

glider3560 wrote: »

Covered by what? They is no protection with a bank transfer.

I'm just repeating what they told me

minidannii

Chopper83 wrote: »

I'm just repeating what they told me

we all do stupid mistakes, i put my bank details on a gambling site, its been well over a month since i reported my account, the bank said up to a month, so i wrote to the cheif executive saying i haven't heard, got a phone call saying they need to phone interview me.

last month when i phoned they said i will get the money back, also says on the leaflet with new card, if your a victim of fraud don't worry we will refund your money

opinions4u

minidannii wrote: »

last month when i phoned they said i will get the money back, also says on the leaflet with new card, if your a victim of fraud don't worry we will refund your money

There's a difference between willingly sending money to somebody and somebody managing to access your account fraudulently.

By the way, if you publish your details openly on any web site I think a bank is well within its rights to consider your actions negligent and refuse to pay up.

glider3560

minidannii wrote: »

last month when i phoned they said i will get the money back, also says on the leaflet with new card, if your a victim of fraud don't worry we will refund your money

Fraud meaning someone using your card without your permission. The OP made this transfer themselves therefore it wouldn't come under the fraud that is covered by the bank.