Online banking blocked help

Broken_Arrowes

bris wrote: »

Someone sent a fake but convincing screenshot to the seller, seller sent watch on this fake evidence only to discover it's all a con. Happens all the time.


Anther scenario is the buyer pays the money in and sends the evidence to the seller, but then informs the bank that they didn't authorise the payment before it clears. The banks then hold the funds until resolved. To do it this way there is a very short timespan between sending the funds and complaining before it clears.


OP did you accept the evidence they sent or check with your actual bank that the money was in your account. Banks do not get involved with bank transfers under normal circumstances. Normal circumstances include Gumtree sales so any way you look at it you are the victim of a scam.

Wow the only reason I suggested bank transfer is cause it's really safe. My bank told me the buyer complained saying he didn't receive it? Never happened to me before since I have accumulated over 500,000 sales on eBay and frequently people would ask to pay by bank which I find OK? Question is, I don't have confirmation anymore that I have sent the parcel? I have sent my bank proof the money was coming in and that's all? Can my bank block my account for this? It isn't even fraud lol and they're making a fuss about it!

Thanks for ur time

PCMcGarry

Broken_Arrowes wrote: »

Wow the only reason I suggested bank transfer is cause it's really safe. My bank told me the buyer complained saying he didn't receive it? Never happened to me before since I have accumulated over 500,000 sales on eBay and frequently people would ask to pay by bank which I find OK? Question is, I don't have confirmation anymore that I have sent the parcel? I have sent my bank proof the money was coming in and that's all? Can my bank block my account for this? It isn't even fraud lol and they're making a fuss about it!

Thanks for ur time

Half a million eBay sales?
Maybe it's time for the full story.

marliepanda

Broken_Arrowes wrote: »

Wow the only reason I suggested bank transfer is cause it's really safe. My bank told me the buyer complained saying he didn't receive it? Never happened to me before since I have accumulated over 500,000 sales on eBay and frequently people would ask to pay by bank which I find OK? Question is, I don't have confirmation anymore that I have sent the parcel? I have sent my bank proof the money was coming in and that's all? Can my bank block my account for this? It isn't even fraud lol and they're making a fuss about it!

Thanks for ur time

Bank transfers aren't safe for the buyers, only safe for the sellers. Seems this has bitten you in the bum.

You should always keep confirmation of sending a parcel until the buyer receives it. If you have sent over half a million parcels you should know this.

Poppie68

You should be a very rich man after half a million sales so with having that kind of money going in and out its very odd the bank decide to block your account over £300 dispute!

molerat

Using a personal account for business ?

Keep_pedalling

marliepanda wrote: »

Bank transfers aren't safe for the buyers, only safe for the sellers. Seems this has bitten you in the bum.

You should always keep confirmation of sending a parcel until the buyer receives it. If you have sent over half a million parcels you should know this.

But the OP is the seller, this makes no sense.

marliepanda

Keep_pedalling wrote: »

But the OP is the seller, this makes no sense.

It does.

He is saying he suggested it to buyers because it's safe. It's not actually as safe for the buyers as the sellers, so he is not doing the buyers and favours for bring safe.

His attempts to remove buyer protections from PayPal etc seem to have bitten him in the bum as this buyer has managed to get his bank account under investigation.

peachyprice

bris wrote: »

Someone sent a fake but convincing screenshot to the seller, seller sent watch on this fake evidence only to discover it's all a con. Happens all the time.


Anther scenario is the buyer pays the money in and sends the evidence to the seller, but then informs the bank that they didn't authorise the payment before it clears. The banks then hold the funds until resolved. To do it this way there is a very short timespan between sending the funds and complaining before it clears.

Or another scenario, buyer hacks someone's bank account, pays for watch, real account owner complains that they didn't make the transfer, OP is now in receipt of stolen money and no proof of where they sent the watch (Really? you send a £300 watch without keeping proof until it's confirmed as received?)

Is this ringing bells with anyone else? Ebayer with high number of sales, selling watches, watch goes missing, no proof of posatge.

wealdroam

OP, as a business there is not consumer legislation that will help you.

Can I suggest you ask a board guide to move this thread to either the Ebay Board or the Banking Board?

bris

peachyprice wrote: »

Or another scenario, buyer hacks someone's bank account, pays for watch, real account owner complains that they didn't make the transfer, OP is now in receipt of stolen money and no proof of where they sent the watch (Really? you send a £300 watch without keeping proof until it's confirmed as received?)

Is this ringing bells with anyone else? Ebayer with high number of sales, selling watches, watch goes missing, no proof of posatge.

Then the bank takes the hit, once a bank transfer clears it can't be reversed. There is only a very short time scale in which a BT is held and that is usually when it's still being processed.


Something else is at play here, not sure we are getting the whole story.