Help, I've been scammed online need help as bank won't help me!

missile

Lokolo wrote: »

Exactly - so back to the analogy someone said earlier, would you give a stranger money in the street if they said "Give me money now and I'll come back in a few hours with a phone?"

No, no you wouldn't!

I think shottsguy22 might :rotfl:.

Dave101t

gumtree, direct payment, private accounts, and you say this is someone elses fault and not yours?
Can i interest you in magic beans?

pmduk

shottsguy22 wrote: »

It is fraud and theft as the police have agreed why are people on here so stuck up! You pay money you get the goods I didn't and he can't prove he sent it because he didn't of I was lying he could say here's the proof of posting. I'm not replying any more as I asked for some help and everyone on here is so smart and £200 is loose change to them, what a pathetic excuse of supposedly helpful people

People on here have tried to be helpful. Your bank is not at fault here. You used an untrustworthy site and got ripped off. £200 is a lot of money to me as well, but I'd be more careful who I deal with.

I's no use throwing your toys out of the pram if you ask for help and advice, but then don't like that help and advice when you receive it.

antrobus

shottsguy22 wrote: »

.... I'm glad some of the people on here would just say it's only £200 forget it! Obviously they don't need money saving expert! I did ask for help not for stuck up people to say it's your own fault. If you walked into a shop and said heres £200 and got nothing you would say something would you not?

Yes but the point is you didn't walk into a shop did you? You met some guy down the pub who came up to you and said 'Psst wanna buy a cheap phone?'. You went to a cash machine and withdrew £200, handed it over, and agreed to meet him round the back in five minutes. He never turned up. That's got nothing to do with the bank either.

People here have actually been very helpful. They're trying to get you to understand that your bank has done exactly what you've asked them to do - i.e. send £200 to Joe Bloggs - and the fact that you have now decided that Joe Bloggs is a crook and isn't going to send you the promised phone isn't the bank's problem. They're not going to reimburse you your £200 and you're wasting you time even complaining to them about it.

You can report the matter to the police (who will no doubt shake their heads as they record yet another 'Gumtree advance payment for a phone fraud') but that's not going to get you your money back.

You can start an action in the small claims court to recover your £200 from the scammer, or the person you think he is but, to be honest with you, he'll be long gone by the time you get judgement, so that'll be just throwing good money after bad.

So when people are advising you to 'move on', and 'learn from this', they are actually telling you like it is. You've actually fallen for what seems to be a fairly standard Gumtree scam, and the lesson to be taken from this is that people should treat the process of buying things in response to private ads in the same way as they would treat the process of buying a major drugs shipment. You don't hand over the money until you've seen the goods, and you don't let the other guy leave with the money until you've checked the goods are what he says they are.

olly300

shottsguy22 wrote: »

How does eBay work? Bacs payment from your account! Just eBay will do something about it but charge you fees when you use it

Ebay tells you to use Paypal, which they own, to conduct transactions. This means if there is an issue very often (but not always) you can get your money back.

However if you don't decide to use PayPal to buy on Ebay then there is almost no chance of getting your money back unless the seller is a large well known firm.

You always need to remember if it looks too good to be true it normally is.

Fiddlestick

shottsguy22 wrote: »

I did ask for help not for stuck up people to say it's your own fault.

Well it is though, isn't it?

If you walked into a shop and said heres £200 and got nothing you would say something would you not?

But it's not a shop, and you didn't hand over 200 quid to a shop keeper and walk out with nothing.

Someone scammed you and YOU authorised the payment.

iereboy

I agree with the op. Its fraud!

The op defrauded the bank to pass as someone with common sense to use internet banking!

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Its not fraud its stupidity

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I hand my £10 to the man on the corner promising me a REAL Rolex. He'll give it to me tomorrow once the shipment comes in.

What's the difference here, you just paid a different way with no safe guards.

Its still a scam.

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I've got a brand new iphone 5. Its just been invented by me. Even Apple are chasing me.

Its yours for £20, just put the money into this sort code 40 16 15, I'll private the account number to you.

Lokolo

iereboy wrote: »

I hand my £10 to the man on the corner promising me a REAL Rolex. He'll give it to me tomorrow once the shipment comes in.

What's the difference here, you just paid a different way with no safe guards.

Its still a scam.

No-one is disagreeing it's a scam, but we are looking at it from a legal point of view. The bank cannot just take the money back. Just as you cannot just go to the man on the corner and take £10 from him as it is stealing.

And FYI, your example of the rolex is pure stupidity is it not?

iereboy

Its exactly what he did. Stupidity.

And obviously the bank will not take the money back!

erdd2

shottsguy22 wrote: »

It is fraud and theft as the police have agreed why are people on here so stuck up! You pay money you get the goods I didn't and he can't prove he sent it because he didn't of I was lying he could say here's the proof of posting. I'm not replying any more as I asked for some help and everyone on here is so smart and £200 is loose change to them, what a pathetic excuse of supposedly helpful people

When you have calmed down, you may want to look back at your posts and offer apologies for your rudeness. You have been given sound advice.

Good advice is not being told what you want to hear