Hi guys,
I have a desktop PC on Gumtree and have an interested buyer who wants to pay via bank transfer and ship interstate. He is happy to pay first. Is a bank transfer 100% secure or is there a way for him to get his money back ?
Thanks!
Bank Transfer Safe for Gumtree Transaction?
Forskin on 13/09/2017 - 20:03
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I will wait for it to clear before I send it..
I don't understand how you can get scammed by bank account transfer. I'd consider it the safest option. Even with cash, some of these scammers could use fake currency. Just wait until you receive the money before doing anything. You can't retract a bank transfer once it's been sent. Relying on a screenshot is extremely silly, wait for the money to arrive.
Yup, I second this.
Once you recieve the money, I don't think it's possible for it to be retracted
As a seller its a safe option IF you can wait until the funds have cleared the system AND you see the funds in your account. Do not fall for fake receipts and fake payment confirmation emails (there are lots of scams using fake confimration of payment to get you to ship the item)
As a BUYER, i would never use this option. Once you transfer the money TO a seller, there is no gurantee the seller will send the item. There is no way to get the money back from the seller. Many buyers have been scammed this way.
Personally, for gumtree i only do cash on pickup. Every other payment system including paypal is vulnerable to scams. Its known as scamtree for a reason.
Read this as well.
https://www.ozbargain.com.au/search/node/"scammed+on+gumtree…
ship desktop would be expensive…
remember the rule, too good to be true then it is not true
(for both ways, seller and buyer. in this case ask yourself will you buy the same desktop for that price if you live in different state? if you say hell no way then …..)Man there's some gullible and very trusting people on gumtree, the buyer is loco.
Buying an item unseen, paying via bank transfer.
You hold all the cards forskin, as long as money clears you're good to send.Sold a 3k watch via this method, waited for funds to clear then sent vie registered secure post. No issues
Wow the buyer was very trusting in you, did they use paypal?
Eft - we spoke on the phone a few times, i sent him extra pics and also original reciepts. But besides that, straight eft purchase
Which model watch?
One of the auto tag aquaracers I cant remember model number now
Thanks guys,
Seems like bank transfer is fairly safe.
He has already transferred the money so i'm waiting for it to clear :)PC cost me around the 2300 mark (Ryzen 1700, GTX 1080, 16GB ram etc etc) and we agreed on 1850. so fair to us both i'd say.
Cheers for helping clear up my doubts!
If that guy is legit, then he's crazy.
Agreed, why would the buyer take such risks for an average deal on a commodity item?
I suppose worst case it will just be a waste of time if OP does nothing dumb.
It is not 100% secure, you can claim your account was hacked, and the transfer was made by a 3rd unauthorized party. The other thing you can do is make a charge back , and say you made the transfer in error.
I wouldn't risk it for such a large amount of money unless your prepared to potentially lose it.
You can't request chargeback on a bank transfer. If it was hacked, it's up to the bank to reimburse you if they feel like it. There is no consumer protection
Exactly. The person who got the money will keep it, the bank will lose out. Though not necessarily the worst thing in the world haha.
I have tried this on a few separate accounts ranging from $330 to more and the bank was not able to help me get my money back from the scammer/fake seller so chargeback and getting your money back is not possible with a bank that just tell you it is a civil matter and to call the cops.
Useless pricks.
I have used bank account to receive money while selling stuff and was amazed at how many people have trusted me with their money.
Largest one was for a watch which was about $800 iirc.
That was a good day.
Sold many things on Gumtree via bank transfer in the past with no issues. Just wait until payment is cleared before sending anything. I will be more worried about potential issues about the desktop PC being damaged during delivery - Who is liable if this happens?
Make sure the funds are in your bank account before sending out anything. And no, it's unlikely he can get the money back unless he gives the bank a very good reason.
Check your online banking, scammers usually send an email claiming to be your bank saying the payment went through.
Just don't do what this guy did
Bank transfer is the safest way for sellers, as long as you have checked funds are there. However, BT are the least safe method for buyers. Very one sided protection.
check your bank acct, but it will cost minimum $20-30 to ship it
Gumtree = face to face cash only or be prepared to start an "I lost my money on gumtree' thread.
Make sure the total in both columns are the same first…
Hi OP, all went well for both buyer and seller?
Bank transfer has no protection for the buyer. You will be ok so long as funds are cleared.
No. It's a known scam. They'll send a photo of a fake receipt, but never actually send the money.
Source:I got scammed $50 for headphones.