Bank Transfer - is it a safe option

Crowqueen

pitkin2020 wrote: »

Get off you soap box, please quote where I stated they should do as I ask?? I never said you should force your buyer to give up their rights for protection!!

As for using BT I use it as a buyer and a seller, I am more than happy to pay people using it after speaking with them and a lot of buyers have no issue in paying me via BT after speaking. Infact a buyer put over 2k in the bank only yesterday, I have never met the buyer and he is over 200 miles away. Being an adult I can make a judgement and decide for myself if something doesn't quite add up, 10k later and my gut instinct hasn't let me down yet!!

Jeez what did you do before paypal came along to take a percentage.......

With respect, I used cheques like everyone else, but buyers rights are buyer rights and both eBay and Paypal have rules. When you use Paypal for goods and services, you use it their way or not at all. It's not right to ask people to give up rights that they have. In fact in many cases it's unlawful - and you're not allowed to suggest unlawful things on this forum.

When you stop telling people to try and scam other people, I'll stop telling you not to.

lawrie28

Crowqueen wrote: »

So what? Paypal payments can be claimed back in disputes, chargebacks can happen for a long time for fraudulent reasons after the transaction and so on.

Once a cheque has been six days in your account without problem, the money is yours to keep without problem even if the cheque is dodgy. That's actually safer than good old Paypal.

Please stop scaremongering. All types of payment have their risks, all types of payment are safe if handled. Cheque payment is probably the easiest way of making a "bank transfer", I did it for an expensive item I bought a number of years ago off eBay, and all was fine.

I'm not scaremongering thank you.

All I have done is tell the OP to make sure that the credit they see on their bank is actually a BT (non recallable) rather than a credit paid in over the counter by cheque (can be recalled).

There are lots of ways that people are still being ripped off and this is one way that still happens - usually as part of a slightly bigger scam (i've seen people + businesses taked for £15k+ with cheque scams) - but I wouldn't be surprised if someone did get ripped off by this scam.

Please stop trying to tell people that BT's don't have any risks involved. Just because you have used them and are happy using them, does not mean there are flaws in the system for those who do not know about them could get exploited.

Lets just hope that your £2k is a proper BT, not a dodgy cheque paid in to look like one....

soolin

antrobus wrote: »

That's because a lot of us haven't heard of the 2-4-6 rule. (The blighters keep changing the rules.) .

Oh yes, just as you know where you are it all changes again. My OH who until very recently (redundancy alas) had a senior post in the Finance industry and still insisted that I was being given wrong info when the bank told me they could not stop a continuous payment authority without agreement from the company involved. He just assumed it was a DD under a different name.

antrobus wrote: »

Or indeed as in the case of one thread here where someone had seen a phone advertised on Gumtree, paid by bank transfer, not received the phone, and couldn't understand why their bank wouldn't refund them the money.

As far as the original question is concerned, bank transfers are perfectly safe from the seller's point of view, but a bit iffy from a buyer's point of view.

Again I am completely with you on this, as a seller I always mention bank transfers on my invoices, as a buyer I wouldn't touch one with a bargepole.

soolin

lawrie28 wrote: »

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Lets just hope that your £2k is a proper BT, not a dodgy cheque paid in to look like one....

The only thing I would say is that if your bank do not record payments in correctly then you might want to change your bank. I use two major banks online and both those shows up online the day after receipt as to whether it was a counter credit or a transfer from another account.

If i just got random deposits then I would certainly be questioning my bank

pitkin2020

Crowqueen wrote: »

With respect, I used cheques like everyone else, but buyers rights are buyer rights and both eBay and Paypal have rules. When you use Paypal for goods and services, you use it their way or not at all. It's not right to ask people to give up rights that they have. In fact in many cases it's unlawful - and you're not allowed to suggest unlawful things on this forum.

When you stop telling people to try and scam other people, I'll stop telling you not to.

Maybe you need to read my posts, I have never said you should force buyers to only pay a certain method and refuse paypal but you as a seller or even as a buyer have the right to ask what ever you want. Whether or not the seller or buyer agrees to what you ask is totally different.

Sellers only have to agree to take paypal payments because that is ebays rules, they can take any other type of payment they want, they can also refuse certain payment types like cheques or postal orders too the buyer has options then and so does the seller. It has nothing to do with taking away someones rights. If they pay by bank transfer or paypal their LEGAL rights have not altered, the level of protection may have but not their rights.

You keep spouting off about unlawfulness, asking a buyer if they are willing to pay by other means is not unlawful regardless of what ebay state. I haven't suggested anything unlawful what so ever, please enlighten me and quote it, I did ask you to quote me earlier but you didn't.