Gumtree Buyer Reported My Bank Account

born_again

Jumblebumble said:

beyer78 said:

i very recently sold a diamond pendant i have not worn for years on Gumtree.
The buyer wanted it posted to them because they live in Ireland and im in Manchester so they didnt want to collect it in person due to the distance.
i posted it by special delivery as soon as the buyers payment cleared in my account.
The buyer contacted me the next day to say it had not arrived. I checked the tracking on royal mail and it said it had been delivered and signed for.
2 hours later my bank called to say i had been reported for fraud and my account was being frozen.
I called into a local branch and gave them documents to support my case.
This morning the buyer called me to say he is a barrister and will not let this drop. Says he is going to send the item off to forensics and he will have me in court.
The buyer told me and my bank it didnt arrive then they said it had arrived but was not identical to the one i advertised on gumtree.
They are trying to initiate a chargeback from my bank.
The buyer said i told him i lived somewhere else other than manchester which is rubbish.
What should i do?

Do I believe that a bank would freeze your account because a random third party who could be anyone  told them you something you had sent was a day late in arriving ?
I don't for one moment because it is none of the banks  business  to be policing this and the whole banking system would collapse if such things actually happened.
Companies would not be able to pay their staff or bills 
People would not be able to pay their bills or rent or credit cards and would be looking to the bank to pay any penalties
I think this is nothing more than an elaborate windup but well done for fooling so many people.

It happens a lot and is considered a APP scam. As such banks have to take it seriously. So freezing the bank account is the start of the process.
YES it is open to abuse.
Making a false claim can have a big impact on the person making it. As their bank can feel it is a breech of trust & as such tell them they are closing their accounts.

So this is the one fact that is true.

Manxman_in_exile

born_again said:

Jumblebumble said:

beyer78 said:

i very recently sold a diamond pendant i have not worn for years on Gumtree.
The buyer wanted it posted to them because they live in Ireland and im in Manchester so they didnt want to collect it in person due to the distance.
i posted it by special delivery as soon as the buyers payment cleared in my account.
The buyer contacted me the next day to say it had not arrived. I checked the tracking on royal mail and it said it had been delivered and signed for.
2 hours later my bank called to say i had been reported for fraud and my account was being frozen.
I called into a local branch and gave them documents to support my case.
This morning the buyer called me to say he is a barrister and will not let this drop. Says he is going to send the item off to forensics and he will have me in court.
The buyer told me and my bank it didnt arrive then they said it had arrived but was not identical to the one i advertised on gumtree.
They are trying to initiate a chargeback from my bank.
The buyer said i told him i lived somewhere else other than manchester which is rubbish.
What should i do?

Do I believe that a bank would freeze your account because a random third party who could be anyone  told them you something you had sent was a day late in arriving ?
I don't for one moment because it is none of the banks  business  to be policing this and the whole banking system would collapse if such things actually happened.
Companies would not be able to pay their staff or bills 
People would not be able to pay their bills or rent or credit cards and would be looking to the bank to pay any penalties
I think this is nothing more than an elaborate windup but well done for fooling so many people.

It happens a lot and is considered a APP scam. As such banks have to take it seriously. So freezing the bank account is the start of the process.
YES it is open to abuse.
Making a false claim can have a big impact on the person making it. As their bank can feel it is a breech of trust & as such tell them they are closing their accounts.

So this is the one fact that is true.

Is that what you meant to type?  It doesn't make sense* in the context of the post you quoted, which is talking about the person who is the target of the false claim, not the person making it?

(Unless you meant that the false accuser can have their account frozen too, but it's not clear if that's what you meant)

Were_Doomed

I read it as the person making the false claim (which will be made via their own bank) can get unintended consequences, such as their own bank restricting or closing their account (if the claim is proven to be false). In such circumstances they may find that news of their actions spreads around other banks, making the false accuser a higher risk customer.

Yahoo_Mail

dinglebert said:

I don't really understand why people make such rubbish up and then publish it on the interweb.  What do they get from it?  The story was so full of holes it fell down the first time anyone asked a question.

They get to watch people argue amongst themselves whilst they themselves sit back with a smug look on their face.  It's called trolling and it's quite popular nowadays.

dinglebert

Yahoo_Mail said:

dinglebert said:

I don't really understand why people make such rubbish up and then publish it on the interweb.  What do they get from it?  The story was so full of holes it fell down the first time anyone asked a question.

They get to watch people argue amongst themselves whilst they themselves sit back with a smug look on their face.  It's called trolling and it's quite popular nowadays.

I know what trolling is but this story was so bad nobody was arguing with anyone.  They must be a disappointment in the trolling society at their nursery.

Jumblebumble

born_again said:

Jumblebumble said:

beyer78 said:

i very recently sold a diamond pendant i have not worn for years on Gumtree.
The buyer wanted it posted to them because they live in Ireland and im in Manchester so they didnt want to collect it in person due to the distance.
i posted it by special delivery as soon as the buyers payment cleared in my account.
The buyer contacted me the next day to say it had not arrived. I checked the tracking on royal mail and it said it had been delivered and signed for.
2 hours later my bank called to say i had been reported for fraud and my account was being frozen.
I called into a local branch and gave them documents to support my case.
This morning the buyer called me to say he is a barrister and will not let this drop. Says he is going to send the item off to forensics and he will have me in court.
The buyer told me and my bank it didnt arrive then they said it had arrived but was not identical to the one i advertised on gumtree.
They are trying to initiate a chargeback from my bank.
The buyer said i told him i lived somewhere else other than manchester which is rubbish.
What should i do?

Do I believe that a bank would freeze your account because a random third party who could be anyone  told them you something you had sent was a day late in arriving ?
I don't for one moment because it is none of the banks  business  to be policing this and the whole banking system would collapse if such things actually happened.
Companies would not be able to pay their staff or bills 
People would not be able to pay their bills or rent or credit cards and would be looking to the bank to pay any penalties
I think this is nothing more than an elaborate windup but well done for fooling so many people.

It happens a lot and is considered a APP scam. As such banks have to take it seriously. So freezing the bank account is the start of the process.
YES it is open to abuse.
Making a false claim can have a big impact on the person making it. As their bank can feel it is a breech of trust & as such tell them they are closing their accounts.

So this is the one fact that is true.

I am intrigued about how an APP scam would work in this instance.
I wonder what the regulator would say about this.

born_again

Jumblebumble
Basically the person who has sent the money claims it is a scam & they have not got the goods, to their bank. (Pre APP scam days it was tough) Now banks have to be seen to take action. As such the person who has paid, bank then contacts the sellers bank. Who will start a investigation based on info supplied to them. Main part of this is freezing the bank account to stop any funds being withdrawn.
Sellers bank will ask seller for information on their side of the story. Then they will make a decision based on the information.

The bit Manxman_in_exile did not seem to understand is that the person who is claiming fraud is found to be lying. That leaves themselves open to their bank closing their account on the basis that there has been a breech of trust.