Is it ok to make main payment via online bank transfer?

GervisLooper

I paid initial monies to the solicitors via bank transfer. Their name checked out on the confirm details online banking.

They seemed to get the money ok as have done requested work.

Now comes for the main payment for their remaining bill and transfer of monies to seller.

I have read generally you should use debit when making purchases but in this case is it ok to send to the bank details given already by the solicitors? Or should I ring them and ask them to take the money by direct debit over the phone?

user1977

Think you're confused by the names of different payment methods - you would never be paying your solicitor by direct debit. You use the same method as you've already used, why would it be different? Haven't they told you how to pay them?

GervisLooper

user1977 said:

Think you're confused by the names of different payment methods - you would never be paying your solicitor by direct debit. You use the same method as you've already used, why would it be different? Haven't they told you how to pay them?

I'm talking about on the consumer rights board on here they say you should rather pay by debit when making online payments as they say that bank transfer is as good as giving the other person cash due to none reversibility.

Does that not apply here?

Maahes

Like most people I imagine, I paid everything that went to my solicitor - the deposit and their bill by bank transfer from the app on my phone. I think people on the consumer rights board meant pay some of an online purchase by credit card as that gives some protection. In this case I was paying someone whose identity and bank details I'd already verified so I was comfortable making the payment.

user1977

GervisLooper said:

user1977 said:

Think you're confused by the names of different payment methods - you would never be paying your solicitor by direct debit. You use the same method as you've already used, why would it be different? Haven't they told you how to pay them?

I'm talking about on the consumer rights board on here they say you should rather pay by debit when making online payments as they say that bank transfer is as good as giving the other person cash due to none reversibility.

Does that not apply here?

Not sure what "by debit" means - do you mean debit card?

This isn't a situation where there would be any reason to reverse the payment, assuming you've checked that you're paying to the correct account. Normal "consumer rights" don't apply here.

noitsnotme

GervisLooper said:

user1977 said:

Think you're confused by the names of different payment methods - you would never be paying your solicitor by direct debit. You use the same method as you've already used, why would it be different? Haven't they told you how to pay them?

I'm talking about on the consumer rights board on here they say you should rather pay by debit when making online payments as they say that bank transfer is as good as giving the other person cash due to none reversibility.

Does that not apply here?

I think you mean it is recommended to pay by debit (or credit) card when making online purchases.  I'm not sure that solicitors accept cards for paying their bills, certainly not for funds such as those for mortgages.

A solicitor is also not going to set up a direct debit.  Your choices are Faster Payments bank transfer as you did before or speak to your bank to arrange a CHAPS payment.

GervisLooper

Maahes said:

Like most people I imagine, I paid everything that went to my solicitor - the deposit and their bill by bank transfer from the app on my phone. I think people on the consumer rights board meant pay some of an online purchase by credit card as that gives some protection. In this case I was paying someone whose identity and bank details I'd already verified so I was comfortable making the payment.

user1977 said:

Not sure what "by debit" means - do you mean debit card?

This isn't a situation where there would be any reason to reverse the payment, assuming you've checked that you're paying to the correct account. Normal "consumer rights" don't apply here.

I was just thinking in case any issues arose, there is a lot of fraud about isn't there. Just thinking of possible cases where the account details were not actually of who you thought they were but I suppose the online banking's check payee details avoids that?

user1977

GervisLooper said:

Maahes said:

Like most people I imagine, I paid everything that went to my solicitor - the deposit and their bill by bank transfer from the app on my phone. I think people on the consumer rights board meant pay some of an online purchase by credit card as that gives some protection. In this case I was paying someone whose identity and bank details I'd already verified so I was comfortable making the payment.

user1977 said:

Not sure what "by debit" means - do you mean debit card?

This isn't a situation where there would be any reason to reverse the payment, assuming you've checked that you're paying to the correct account. Normal "consumer rights" don't apply here.

I was just thinking in case any issues arose, there is a lot of fraud about isn't there. Just thinking of possible cases where the account details were not actually of who you thought they were but I suppose the online banking's check payee details avoids that?

You check, double check, and check again. Doesn't your bank save the details from the previous transfer anyway? 

GervisLooper

user1977 said:

GervisLooper said:

Maahes said:

Like most people I imagine, I paid everything that went to my solicitor - the deposit and their bill by bank transfer from the app on my phone. I think people on the consumer rights board meant pay some of an online purchase by credit card as that gives some protection. In this case I was paying someone whose identity and bank details I'd already verified so I was comfortable making the payment.

user1977 said:

Not sure what "by debit" means - do you mean debit card?

This isn't a situation where there would be any reason to reverse the payment, assuming you've checked that you're paying to the correct account. Normal "consumer rights" don't apply here.

I was just thinking in case any issues arose, there is a lot of fraud about isn't there. Just thinking of possible cases where the account details were not actually of who you thought they were but I suppose the online banking's check payee details avoids that?

You check, double check, and check again. Doesn't your bank save the details from the previous transfer anyway? 

Yes they do and they are saved. I am just saying if who I sent it to already was some elabourate ruse all along.

noitsnotme

GervisLooper said:

user1977 said:

GervisLooper said:

Maahes said:

Like most people I imagine, I paid everything that went to my solicitor - the deposit and their bill by bank transfer from the app on my phone. I think people on the consumer rights board meant pay some of an online purchase by credit card as that gives some protection. In this case I was paying someone whose identity and bank details I'd already verified so I was comfortable making the payment.

user1977 said:

Not sure what "by debit" means - do you mean debit card?

This isn't a situation where there would be any reason to reverse the payment, assuming you've checked that you're paying to the correct account. Normal "consumer rights" don't apply here.

I was just thinking in case any issues arose, there is a lot of fraud about isn't there. Just thinking of possible cases where the account details were not actually of who you thought they were but I suppose the online banking's check payee details avoids that?

You check, double check, and check again. Doesn't your bank save the details from the previous transfer anyway? 

Yes they do and they are saved. I am just saying if who I sent it to already was some elabourate ruse all along.

Contact the solicitor on a known phone number and ask them to confirm that they received the original transfer.

EssexHebridean

GervisLooper said:

Maahes said:

Like most people I imagine, I paid everything that went to my solicitor - the deposit and their bill by bank transfer from the app on my phone. I think people on the consumer rights board meant pay some of an online purchase by credit card as that gives some protection. In this case I was paying someone whose identity and bank details I'd already verified so I was comfortable making the payment.

user1977 said:

Not sure what "by debit" means - do you mean debit card?

This isn't a situation where there would be any reason to reverse the payment, assuming you've checked that you're paying to the correct account. Normal "consumer rights" don't apply here.

I was just thinking in case any issues arose, there is a lot of fraud about isn't there. Just thinking of possible cases where the account details were not actually of who you thought they were but I suppose the online banking's check payee details avoids that?

You should transfer the money for the deposit and/or the completion funds to the same bank account for your solicitors as you made the original transfer to - which will have been provided to you in writing (hard copy) or over the phone, and that they have confirmed your money on account arrived to successfully. Solicitors generally do not change their bank details - so if you receive any contact from anyone suggesting that you should send money to different a different account then note those details down, then before you send ANY funds, speak directly to the solicitor acting for you to clarify things.