Osko - I've been scammed haven't I?

Lbkate92 on 19/11/2019 - 16:53

damn I am a) stupid and b) way too trusting.

I was selling my old iphone on Facebook for $850. A lady 2 hours away said she'd be able to collect it on the day (yesterday)
We agreed on a bank transfer that she did via OSKO. She sent me a screenshot of her bank statement which showed -$850 and also showed she had entered my acc number and bsb correctly. I thought the payments were immediate and after an hour I messaged her on facebook to say it hadn't come through. An hour later she arrives at my house and tells me she only just saw my fb message and was already on her way.

The money wasn't in my account but I thought with the screenshotted statement showing $850 out of her account, it was safe to go ahead and I assumed I'd get the money later in the day.

It's been over 24 hours and I just googled osko scams to find that with first payments, osko withold the money for 24 hours to make sure it's not fraud. So I assume she flagged the transaction to me as fraud so got the money reversed back into her account…

Her facebook profile has since disappeared. She hasn't blocked my number but my calls are just ringing out… been played haven't I??

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Comments

  • Shitforbrains on 19/11/2019 - 17:20
    +16

    Do you have the IMEI recorded? Report the phone stolen and have the IMEI blocked

  • Jimmycfc on 19/11/2019 - 17:22
    +1

    You can inspect element and change anything on a website.
    Never trust a screenshot, a dealer wouldnt let you take a car until the funds have cleared.

  • SnoozeAndLose on 19/11/2019 - 17:26
    +4

    Do you have the IMEI of your iPhone? If the fund not arrive report it as stolen and have the IMEI block.

  • garetz on 19/11/2019 - 17:31
    +4

    Her showing up without you agreeing to meet speaks volumes, the pressure alone would tell me its a scam.

  • DASH8 on 19/11/2019 - 17:32
    +6

    Member since …

    • dcep on 19/11/2019 - 17:35
      +4

      DisabledUser9999 in 3….2… 1

    • R-Man on 23/11/2019 - 10:54

      How long must someone be a member before posting here?

  • Ocker on 19/11/2019 - 17:37

    Have you registered with your bank to receive OSKO payments?

  • Seasoned Salt on 19/11/2019 - 17:52
    +2

    How on earth did she get your address if you didn't provide it to her?
    Ask the building if they have CCTV so they can check the car registration number.

    When dealing with purchases over Facebook/Gumtree, always go cash. Always.

  • bohn on 19/11/2019 - 18:15

    Yes.

  • Oz em on 19/11/2019 - 18:27

    Are you with anz? They are having some issues atm.
    But most likely you have been scammed. What an awful person she is.

  • jelko on 19/11/2019 - 18:44
    -4

    LOL

  • babiguling on 19/11/2019 - 18:50
    +1

    Last time I sold a phone thru ebay, i requested to take photos of their licence to be on the safe side even though it stated that it's been paid already. Hope OP solve this fraud.

    • CyberMurning on 19/11/2019 - 19:08
      +1

      Well they can give you someone else licence…

      • babiguling on 19/11/2019 - 19:20
        +1

        I took it when i gave the item in person

        • bigbadboogieman on 20/11/2019 - 07:29
          -1

          Even then it can be someone else's licence plate.

          • babiguling on 20/11/2019 - 08:34
            +1

            @bigbadboogieman: it was driver's licence, clearly with his photo on it
            if he does plastic surgery after the sale and scammed me then..

            • bigbadboogieman on 20/11/2019 - 10:22
              +1

              @babiguling: I thought car licence mate. If I were personally buying off gumtree/eBay I would never share my driver's licence at any cost.. Too many risks involved with identify theft.

    • thatonethere on 20/11/2019 - 07:59
      +15

      Madness to give someone a full copy of your licence…

      • babiguling on 20/11/2019 - 08:37

        this is quite common actually, for example during cars accident
        well the buyer didn't mind at that time to give it to me,..:D

        • cheng2008 on 20/11/2019 - 11:33
          +2

          No, during a car accident you can look at the license to confirm my story, but I can’t let you take a photo of the license. If the other guy didn’t mind then he’s trusting you to do the right thing, which I probably wouldn’t, nothing personal.

      • OzAmore on 20/11/2019 - 11:39
        +2

        Did this with a bloke on a forum that I bought a compound bow off. He was a regular on the forum with alot of posts, I was relatively new with not many. He requested a photo of my drivers license for security and I did the same for him. We exchanged drivers licences and then I sent him the money via bank deposit. I was initially surprised that he would want my drivers licence as I have done many purchases on forums before and never had this request but after abit of thinking I realized it was a reasonable request for security/fraud purposes and so I requested he do the same. All worked out fine. Though this was from a forum which are generally more close knit/honest communities. I would be alot more hesitant if it were say Gumtree or facebook.

  • Godric on 19/11/2019 - 19:29
    +5

    Trust no one

    • dufflover on 20/11/2019 - 08:46
      +3

      Including this post … (see above member since)

      • funnysht on 20/11/2019 - 15:13
        +1

        all we know it could be the woman who stole the phone posting to see what she needs to avoid.

  • Seraphin7 on 19/11/2019 - 19:49

    Thoughts and prayers.

  • whooah1979 on 19/11/2019 - 20:17
    +12

    iCloud lock it now.

    • ahara on 22/11/2019 - 19:33
      +1

      Sorry but how to iCloud lock it if he handed it over?
      He most likely removed his iCloud profile from phone before he handed it over to the lady and thus removed the “find my iPhone” feature as part of it. Otherwise why would the buyer accept a potentially stolen/locked phone ?

      Am I missing something maybe that’s new with Apple ? He need to prove to Apple that he is the owner with some documentarion and then Apple can lock it from being reactivated in future. Or locked. They won’t do so without paperwork and OP can’t do so from the comfort of his home.

  • sleet on 20/11/2019 - 07:34
    +4

    You or a friend could post another add, similar and see if she bites again. Get her details and car details and see if you can catch her.

    I know it's a bit of work for $850 but these low lifes need to get caught.

    • gyrex on 20/11/2019 - 09:31
      +2

      They get caught all the time and then a magistrate let's them off with a suspended sentence or community service. While on their suspended sentence they keep doing it, get caught and get another suspended sentence.

      • LikeMike on 24/11/2019 - 01:15

        You just covert record the sting, do a little bit of nice editing then upload to YouTube and profit from adsense. Let the crims make money for you legally.

  • JungliChilli on 20/11/2019 - 07:54
    +8

    Report your imei number as stolen.

  • beefmaster on 20/11/2019 - 07:59
    +2

    If she is going to pickup then it should only be cash.

    Someone offer to pay via paypal because he does not have cash on hand but have fund in his paypal account, I replied cash or no deal.

  • RibaldGadfly on 20/11/2019 - 08:29

    No. Not yet.

    It depends what her bank was. If it was CBA, for example, entering the BSB/account number would put the payment on DE rails, so it could take two days to get there. If it was on the PayID, it would be 15 seconds, on the NPP rails.
    If her bank was Westpac, it would be immediate, either way, if the target account is reachable as an Osko capable account.

    • SaberX on 21/11/2019 - 12:29

      I gave my bsb and account with bankwest and the anz seller on monday night direct transferred me. It came in instantly. is it therefore automatic whether OSKO is applied if both are activated??

      I assume once it hits your account the only way then is the account holder claiming fraudulently unauthorised payment…. Otherwise your safe??

      In my case paid mon 11pm but pickup this weekend of a laptop. I must be very cynical thinking why would anyone pay me without the item just to secure it. Its $250 so not $850 like OP but i still can't help but be cynical. probably a diff situations as OSKo shows up in my account so it must be cleared??

  • RibaldGadfly on 20/11/2019 - 08:30

    No. Not yet.

    It depends what her bank was. If it was CBA, for example, entering the BSB/account number would put the payment on DE rails, so it could take two days to get there. If it was on the PayID, it would be 15 seconds, on the NPP rails.
    If her bank was Westpac, it would be immediate, either way, if the target account is reachable as an Osko capable account.

  • dufflover on 20/11/2019 - 08:47
    -1

    She paid you the money… She gave it to your assistant called "Hans" I think.
    :P

  • gimme on 20/11/2019 - 08:48

    There's a small chance that you'll get your $$. In future cash only

  • 6000SUX on 20/11/2019 - 08:49
    +1

    Sorry to hear your story mate. We've all made mistakes and learnt from them - dont beat yourself up! Look at it this way - it wont happen again, you're wiser now.
    Its just a shame we live in a world where people who con people for their gain is something we have to be aware of in 2019.

    Oh and if it was me. I would report it - its a crime after all. Even if you manage to put her on the cops radar, its something.

    • funnysht on 20/11/2019 - 15:14

      of course report it…if they use the phone for crime then you'll get in trouble

  • pantsparty on 20/11/2019 - 08:51
    +1

    Lol. Classic ozbargain.

  • hypie on 20/11/2019 - 08:55
    +1

    Yep.. I was trying to sell some fortnite code i got with my ps4 pro on Gumtree. The amount of scammers I got replies from is ridiculous. One was adament that I should send him my code before he pays me. I told him to try do that at Coles/jb hifi and see how he goes.

    Where did you meet? And cctv footage or number plates? Check your neighbours.

    Cash only.

  • herecomestheoost on 20/11/2019 - 09:13
    +1

    Give me her phone number.

  • ruddiger7 on 20/11/2019 - 09:15
    +3

    Yep some bloke only last week tried to transfer $700 to me on the spot for something I was selling. I laughed at him and told him to go to an ATM.

    • funnysht on 20/11/2019 - 15:15

      did he go to the atm?

      • ruddiger7 on 20/11/2019 - 16:19
        +1

        Sure did.

        • funnysht on 20/11/2019 - 20:02

          Glad it worked out for you

      • kiitos on 20/11/2019 - 18:49

        I too would like to know the outcome of this

        Edit: will teach me, should refresh before posting

  • bemyally on 20/11/2019 - 09:15

    When I tutored via Skype I would ask students to netbank me payment and once I saw the receipt, we could have a lesson. All it took for one dishonest student to make it harder for everybody. I think I did 3 lessons with him and only one of his payments went through. I don't know how he sent such a legitimate looking receipt — he could have maybe asked to have the transaction reversed, but it was just a transfer from one bank to another (not Paypal). Anyway from then on I asked him and all future students to netbank me payment three business days prior to the lesson. Needless to say he did not ask for future lessons.

    • SaberX on 21/11/2019 - 12:33

      I also take direct deposit before sending as the cash would have to clear. The issue im finding now is supposedly the one avenue to reverse this is a fraudulent transaction. Unlikely with tutoring a scammer would use someone's account to make payment but more likely in a high value purchase. In my case i sold a 2nd hand laptop for 250 on mon night and they're claiming it over weekend. So sounds more legitimate as not rushed and it was on OSKO so came through very quickly after messaging live. But you never know just how easily they could scam you.

      Given people say paypal isnt safe either i wonder what is left to pay with?!

  • aurotaro on 20/11/2019 - 09:24
    +2

    Must be the same lady who scammed me 12-13 years ago at Blacktown Westpoint! Damn she upgraded her skills to Osko!!

    I got scammed about $300 on an iPhone… Cheap lesson in hindsight

  • lltravel on 20/11/2019 - 10:02
    +5

    LOL I can't believe people give away stuff without money cleared into their account, blows my mind.

    OSKO is cleared within 1 minute. I have done over 200 transactions via osko and none of them have taken 24 hours

    • SaberX on 21/11/2019 - 12:36

      If its a compromised bank acct they can OSKO then take the goods and the account holder can claim fraudulent unauthorised and reversal would be non defendable by you?

      That said if your 200 trans are everyday non high value items its unlikely someone would burn a compromised account on such a petty transaction as the owner would report the scam shortly thereafter once noticed?

      Do you find OSKO is instant with new buyers you've never received money for? And once it's in your account its considered fully cleared correct?otherwise OSKO wouldn't allow it?

      • lltravel on 22/11/2019 - 09:56
        +1

        It really depends

        If the money has cleared the bank has to send a letter to the other bank to demand the money back. The other party can refuse

        I had the same thing happen to me a while ago where a client made a purchase, broke the item, demanded a refund and then approached the bank

        The bank sent me a letter asking to reverse the money. I refused.

        To be honest all the transactions were below $300 so it was instant. However, over $300 can take 24 hours in some circumstances

        • Bargainbeth on 23/11/2019 - 01:22

          So you just refuse and that's that? I wonder if it's the same case with mistaken transfers with Osko. For the traditional bsb/acc transfers you could easily reverse it if done soon enough and money hasn't hit recipients account.

    • ahara on 22/11/2019 - 19:36
      +1

      I’ve translated to others and it took 24 hours.
      If it’s a first time transaction the bank may withhold
      The transfer of amount is deemed suspicious or risky to be part of fraud.

      • ahara on 23/11/2019 - 00:43
        +1

        Translated = transferred. Sorry 😐

  • OzHunterNSW on 20/11/2019 - 10:02
    +3

    Only need to read the first two lines and already it is essentially a cut and paste of all other similar experiences.

    Why don't people learn. Do NOT hand over your goods until you are completely sure you have the money.

    Have you ever heard of photoshop.

  • rave75 on 20/11/2019 - 10:05

    again?!

  • kaleidoscope on 20/11/2019 - 10:25

    When will you poor souls learn :-(

    Cash only or no deal.

  • CocaKoala on 20/11/2019 - 11:22
    +3

    Cash is king while dealing with people on shady websites like gumtree, farcebook etc. I do not have a problem telling people to come with cash in hand, or not come at all. The fear of offending some unknown person on the internet is not worth $850. Not for me, at least.

    Most importantly, report this to the police and get the IMEI number blocked (not sure if you've to call Telstra or someone else for this). You will need to provide evidence of the ownership of this phone by way of a receipt or such. Once the IMEI block takes effect, the phone will stop working as no network carrier will accept its IMEI.

    • ahara on 22/11/2019 - 19:38

      OP Remember that proof of ownership is also listed if you signed up to a contract with a Telco and signed paperwork. Most if not all TElco list the IMEI on the paperwork you sign and thus can be used as proof of ownership.

    • Bargainbeth on 23/11/2019 - 01:24

      Is there a risk with Osko if money appears in your available balance, or if buyer sends payment via Osko at the face to face meet up? I always thought the latter was foolproof, till seeing this thread :/.

      • CocaKoala on 23/11/2019 - 12:09

        If the money has shown up in your account, then it's ok. Just don't share your details beforehand and make sure that the transfer is done in front of you. I'd still recommend cash, but that's me.

        • Bargainbeth on 23/11/2019 - 14:09

          I was fearful of counterfeit cash, growing up and working in retail, I was told to check notes. Didn't think it was so uncommon nowadays.. Apparently lots of people in this thread reckon its a waste of time being worried about fake notes.

          • CocaKoala on 23/11/2019 - 17:03

            @Bargainbeth: Your concern is valid. You could ask them to withdraw from an ATM in front of you. Remember that it's ok if someone else is offended. You be polite but state your terms of sale firmly and stick to it.

            • Bargainbeth on 23/11/2019 - 18:24

              @CocaKoala: I usually insist but it's a hassle to meet outside of home for me. So Osko is just much more convenient.

              • CocaKoala on 23/11/2019 - 19:05
                +1

                @Bargainbeth: Fair enough. Making an osko transfer on front of you is quite safe. Just don't hand over any goods until the money shows up in your account.

                • Bargainbeth on 24/11/2019 - 02:54

                  @CocaKoala: I already do this :). It's actually not safe in certain circs though (see details in my comment below), but also, if as two banks suggest, it can only ever be reversed with your input, then it's a pretty sure thing.

  • mshanann on 20/11/2019 - 11:28
    +3

    I'd setup a honey trap and see if the lady is silly enough to try again with an equivalent enticing advertisement for a phone. Use a different name and phone number (get a 2$ sim to receive phone calls), but use a similar area.

    Then go for the citizen arrest

    https://police.act.gov.au/crime/citizens-power-arrest

    • trapper on 20/11/2019 - 12:48

      Citizens arrest has to be in the moment, so don't do this.

      • gimme on 20/11/2019 - 12:56
        +19

        name doesn't check out

      • capslock janitor on 23/11/2019 - 17:38

        Then what's this? Premeditated arrest?

  • Q3211 on 20/11/2019 - 11:59

    I have had my Osko payment take up to 48 hours when transferring to a new account for the first time.
    So… there is hope?

    • funnysht on 20/11/2019 - 15:11
      +2

      same hope as jar jar binks defeating thanos.

  • Scantu on 20/11/2019 - 12:20
    +2

    Why do people rely on screenshots? So easy to manipulate them…

  • Nyclix on 20/11/2019 - 12:30
    +2

    My brother got done by this too for a $1000 phone. He took a photo of the guys license and reported it to the police but nothing ever happened.

    • capslock janitor on 23/11/2019 - 17:39

      Did you ask Police why nothing happened?

  • Ononono on 20/11/2019 - 13:37

    Similar thing happened to me with payID, back then it was still a new thing and I read some news stories that transfers were instant so I just went with it. I later found out that for first time transfers they put a hold on larger sums. Anyway I was certain I had just been scammed but thankfully about a week later the money eventually came through. So perhaps there's still some hope for you, although if she's ignoring you as well then that's not looking too good

  • vicosads on 20/11/2019 - 13:40
    +3

    It's best to assume everyone is a subhuman scammer piece of shit you'll be right most of the time

    • peterpeterpumpkin on 21/11/2019 - 09:02
      +1

      Hmmmm…you may be right, but then what are you trying to get out of me?! 'Cause I eat pieces like you for breakfast.

  • WT on 20/11/2019 - 13:55
    +1

    selling any other phones/ipads?

    • sw00p on 21/11/2019 - 10:53

      I lolled, thank you.

  • Gelato on 20/11/2019 - 14:17

    Sorry to hear that op:(

  • funnysht on 20/11/2019 - 14:43

    yup gets more votes than yep

  • funnysht on 20/11/2019 - 14:43
    +1

    Yes

    • funnysht on 20/11/2019 - 14:45
      -3

      Also I don't know much about iphones, but who the fk buys a second hand iphone for $850? Definitely doesn't use ozbargains also I'm sorry. You're best bet is to leave a voicemail

      • [Deactivated] on 20/11/2019 - 16:32

        You sure don't

  • mattyman on 20/11/2019 - 14:51
    +2

    Do you have any documentation with the IMEI number? Give that to the police and they will be able to kill the phone.

    • ahara on 22/11/2019 - 19:39
      +1

      Telco contract should have that IMEI OP, in case you originally got phone during contact signup.

  • Zetrox2k on 20/11/2019 - 16:16
    +1

    OP, I use OSKO all the time. Never had to wait 24 hours for transfer. It is INSTANT. about a month ago i bought a Surface Pro tablet. OSKO Transferred payment, seller logged into his bank account and confirmeed money was in, and we both went about our way.

    Regardless, you never let go of an item until you physically see the money in your own net banking, and it is cleared.

  • serbpie on 20/11/2019 - 16:48

    Reminds me of when I was selling a pair of sneakers on gum tree, so many offers to transfer me direct or via PayPal, funny how many potential buyers stopped responding when I said I'd only ship once money cleared. I'm never buying TNs again.

    • funnysht on 20/11/2019 - 20:01

      i sold a txgtbook on gumtree once for $50..via paypal..i think you just need to be sensible about selling things if you use gumtree. Like the girl i sold it to was a uni student…so fair dinkum. I mean if it was a prince from overseas interested in australian accounting system, well that is a clue.

    • striker5950 on 21/11/2019 - 02:23

      Who wears tns still? Jesus I remember those uglies from high school days

      • serbpie on 21/11/2019 - 08:49

        Wore them once, regrettably, had to deal with the lad culture and their attempts to scam me

  • hikaru78 on 20/11/2019 - 17:26
    +2

    if you have the imei report it solen … at least that way it become a pepwerweight

    • capslock janitor on 23/11/2019 - 17:40

      it become a pepwerweight

      It become parts

  • test123123 on 20/11/2019 - 18:10

    Yes, totally scam. Transfer should be immediately showing in your account.

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