donut
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| posted on 14/12/10 at 10:09 PM |
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Refund from Bank Transfer
Hi
A little advice if poss please.
I bought a camera from another forum and paid by Bank Transfer. I have a sneaky suspicion that i have fallen foul to a hoax and may have lost my money
although it's too early to be sure yet. So just in case.......
Is there a way of getting my money back via the bank if it turns out to be fraud? I have his name, sort code and account number plus his 1st name and
location.
Thanks
Andy
When I die, I want to go peacefully like my Grandfather did, in his sleep -- not screaming, like the passengers in his car.
http://www.flickr.com/photos/andywest1/
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prawnabie
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| posted on 14/12/10 at 10:12 PM |
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I wouldnt of though so as bank transfers and drafts are cleared funds. May be wrong though
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donut
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| posted on 14/12/10 at 10:16 PM |
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I would hope they would seeing as it's fraud.......if that's the case.
Andy
When I die, I want to go peacefully like my Grandfather did, in his sleep -- not screaming, like the passengers in his car.
http://www.flickr.com/photos/andywest1/
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mads
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| posted on 14/12/10 at 10:23 PM |
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do you have any correspondence to back up your claims that you indeed had paid this individual money for a specific product? will help your cause...
do not know if bank will still help you with this.
We gain knowledge faster than we do wisdom!
Life is not a journey to the grave with the intention of arriving safely in a pretty and well-preserved body, but rather to skid in
sideways, thoroughly used, totally worn out and loudly proclaiming... "f*ck, what a trip!"
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GreigM
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| posted on 14/12/10 at 10:28 PM |
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Basically no - you can't have it reversed. Banks can reverse a transfer within 24 hours but thats usually only if they've made a error or
to protect their position, after that there's no chance. Even if it was proven as fraud you'd have to make a civil claim and get a CCJ
against the person etc.
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donut
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| posted on 14/12/10 at 11:00 PM |
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Mads, Only what's in the thread of the forum topic.
GreigM, Bugger! 
Fingers crossed it turns up then 
Andy
When I die, I want to go peacefully like my Grandfather did, in his sleep -- not screaming, like the passengers in his car.
http://www.flickr.com/photos/andywest1/
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balidey
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| posted on 14/12/10 at 11:24 PM |
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forum moderators may hold contact details for this person
Dutch bears have terrible skin due to their clogged paws
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pekwah1
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| posted on 15/12/10 at 12:16 AM |
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if you have done a private bank transfer then no you can't get it back, unless you get in quick before the funds have gone.
If it does turn out to be a fraud/theft type situation, only option really is the police, although i have found that simply the threat of getting
police involved has worked for me in the past, although i would have actually followed through if they hadn't paid up.
I have had one success with some bank transfer fraud from the police but it took around 8 months to see my money again and i got back 90% of what i
paid...
In other news, if you need a camera, i'm selling one at the moment.......!
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Daddylonglegs
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| posted on 15/12/10 at 03:21 AM |
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I think you'll find that bank transfers go straight out of your account and sit in a 'holding account' until claimed by the other
bank. As far as I can see, the funds cannot be 'reclaimed' by your bank only refunded by the other
Had a similar thing happen to me (not fraud) but bought some foreign currency via the bank over the phone, the guy said once the transaction goes
through it will be commited. I said fine as I obviously wanted that to happen! He took the details, pressed a few buttons and hey presto! Transaction
failed! So I said, no problem I will go into the bank and do it over the counter. He said that the funds would be 'ring-fenced'
(unavailable!!) for between 7-10 days 
My response: "How the hell can it be taken from my account if the transaction failed??" 
After about 2 hrs with a very helpful Bank manager in my local branch it was all but sorted (still had to wait 24hrs!)
It turns out that the situation arose for exactly the reason I mentioned at the start of this post.
Just a heads-up......
It looks like the Midget is winning at the moment......
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donut
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| posted on 15/12/10 at 06:54 AM |
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Thanks for all the info. I work for the Police so can make noises if necessary. Fingers crossed it's all ok.
Thanks
Andy
When I die, I want to go peacefully like my Grandfather did, in his sleep -- not screaming, like the passengers in his car.
http://www.flickr.com/photos/andywest1/
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nitram38
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| posted on 15/12/10 at 09:05 AM |
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In a word Paypal.
I know people hate them and also ebay fees, but I've had 3 different non delivered items refunded.
One was over £300.
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carpmart
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| posted on 15/12/10 at 11:47 AM |
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I agree with above, Paypal protects you if your unsure of the person you're dealing with! DO NOT use the gift function else you won't get
your money back if it goes bad!
You only live once - make the most of it!
Radical Clubsport, Kwaker motor
'94 MX5 MK1, 1.8
F10 M5 - 600bhp Daily Hack 
Range Rover Sport - Wife's Car
Mercedes A class - Son's Car
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donut
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| posted on 15/12/10 at 02:22 PM |
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I have just been told that the item is posted and i have a Post office tracking number.
Phew!
Thanks all
Andy
When I die, I want to go peacefully like my Grandfather did, in his sleep -- not screaming, like the passengers in his car.
http://www.flickr.com/photos/andywest1/
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