I paid for a mobile phone via bank transfer. Nothing delivered.

jonesMUFCforever

tucrulodru wrote: »

Well as someone who works in a Faster Payments fraud department I'm gonna have disagree with you there.

To the OP. There is less than a 50% chance you will get your money back. The sooner you act the better. The other bank may have frozen the account for a number reasons. For example, another victim may have already reported the same thing as you. You want to act before the other bank releases the account back to the recipient.

If the account had already been frozen would the bank transfer not have failed?
It is also likely that somebody's account will have been used as a mule so the fraudster will get away with it and the poor sod who's account was credited will be closed with a probable CIFAS marker to boot.

Uxb1

Apparently its all the rage for some foreign students when they leave the UK to "sell" their bank account to the fraudsters.
They don't give a bleeding toss about the residents of the UK and they are not coming back here so could give even less about whether or not they get a fraud/CIFAS marker on the account: They are dckheads basically.
Meanwhile the bank is almost certainly totally unaware that the account which was legitimately opened with all the right paperwork is now under the control of someone totally different........
Welcome to the UK
See
https://inews.co.uk/news/uk/cyber-crime-overseas-students-selling-bank-accounts-fraudsters-finishing-studies-police/

21amo

tucrulodru wrote: »

All of the advise above is wrong. Contact your banks fraud department. They can't refund but they indemnify the funds back. The money still needs to be in the recipient account for it to be successful. If your fraud department logs it as scam with the bank the money went to the account can be frozen asap.

What bank are you with?

I am with bank of scotland his account was hsbc

AnotherJoe

tucrulodru wrote: »

All of the advise above is wrong. Contact your banks fraud department. They can't refund but they indemnify the funds back. The money still needs to be in the recipient account for it to be successful. If your fraud department logs it as scam with the bank the money went to the account can be frozen asap.

What bank are you with?

I find this very hard to beleive. That would mean the bank is getting involved in a dispute between two parties and acting as the arbiter of what happened.
I don't doubt the OP at all but suppose OP did actually receive the phone but is fraudulently claiming they didn't? How is the bank meant to know which is correct?

Money_maker

The OP obviously made the transfer some time ago as there have been numerous attempts to contact the seller. Too much time has passed.

tucrulodru

jonesMUFCforever wrote: »

If the account had already been frozen would the bank transfer not have failed?
It is also likely that somebody's account will have been used as a mule so the fraudster will get away with it and the poor sod who's account was credited will be closed with a probable CIFAS marker to boot.

Not normally. Frozen for payments out, not payments in.

tucrulodru

AnotherJoe wrote: »

I find this very hard to beleive. That would mean the bank is getting involved in a dispute between two parties and acting as the arbiter of what happened.
I don't doubt the OP at all but suppose OP did actually receive the phone but is fraudulently claiming they didn't? How is the bank meant to know which is correct?

Thats why I decided to contribute. There is a lot of misinformation around this. Without getting into specifics, we contact the other bank via a dedicated platform and advise them of our customers claim. They will immediately freeze the beneficiary account. For about 20 days they will investigate the receiving account. The benefit of doubt is with the victim not the beneficiary.

tucrulodru

21amo wrote: »

I am with bank of scotland his account was hsbc

So the best chance you have here is if HSBCs Safeguard has kicked in and slowed down the withdrawal limits on the fraudsters account. It happens quite often if the fraudster has set up a new HSBC account.

Contact Bank of Scotlands fraud department for online and telephone banking. They will have a process to try and get the money back.

DCFC79

Just dont buy a phone via Gumtree.


Why did you choose Gumtree, was it cheaper than ebay ?

boo_star

tucrulodru wrote: »

Thats why I decided to contribute. There is a lot of misinformation around this. Without getting into specifics, we contact the other bank via a dedicated platform and advise them of our customers claim. They will immediately freeze the beneficiary account. For about 20 days they will investigate the receiving account. The benefit of doubt is with the victim not the beneficiary.

You're not really contributing at all, you're spreading misinformation.

None of what you claim to be true is actually true.