Hi I am seeking your advice on whether I will be scammed in the next couple of hours.
I listed an item valued at $220 and a person was keen to buy it and sent me the money via my bank details which was sent through via my phone number. This Osko payment has been done, I am meeting the person in the evening. Is there any possibility of the person withdrawing their money? Whether it's by making a claim or other means? I'm aware it happens on PayPal but what about banking?
say you cannot release the item until payment clears, call them to let them know. If they say they can only make it today, say you will refund their money when it arrive then
Pam, they did Osko so the payment should be in OP's account already.
OP if you are concerned about the buyer reversing the payment just transfer out the money to a different account and keep the account balance closer to zero for a week or so.
He said he'll be going to QLD next week lol red light. I asked tell me a date you will be going so I ok try make it before that day. He said weekend is better. Ok weekend today, meetup location and time set. Said traffic is bad to here so I suggested another Meetup location, both agrees.
I'm overthinking?
He sent the money though and I received it immediately. He sounded like he really wanted it
i have done plenty of transactions via osko and gumtree, never had a person claim back,
Reassuring
CASH OR CASH
It is cash…in the bank
If you are meeting the buyer face to face it's unusual they have paid already, however, OSKO is the next best thing to cash in hand.
Once the money's in your bank it's yours, unlike PayPal when they'll take it back for the smallest reason.
Maybe they want to convey that they've bought it and want me to reserve it for them until meetup?
Yeah Osko is the most secured but I find his unorthodox approach so confusing
I had someone pester me for days with the most suspicious story about wanting my couch, they couldn’t come because they were 500km away and wanted to pay by bank transfer sight unseen and organise a transport company to pick it up…
Had an extremely suspicious back and and forth chat over a few days (possibly a week, can’t remember) where i told them cash only and pick up.
They said they were organising friends to come look but their friends car broke down on the way,
The next excuse was the friends had something come up and couldn’t make it…
Red flags galore.
In the end after a few actual people showing up and low balling i thought screw it, hit up the potential scammer again and got them to use payid (same as osko?) and let them transfer the money to me and they organised transport the next day.
Turns out it was for a cycling store in a regional town and they just really wanted this couch (a leather chesterfield) to suit their store but legitimately couldn’t get to my place and their friends excuses were real.
Super weird gumtree experience. I had another weird one too but thats another story.
But hopefully gives you some hope, some people are trustworthy and not out to scam everyone.
Hope you have a smooth transaction.
Yeah my buyer owns a business and has a site.
I've sold a car like that, dodgy sounding emails/messages from an interstate buyer but then they agreed and paid by transfer. They were then really slack with actually picking the thing up, a couple of weeks later (after a few messages) a flat bed turns from another state and bam, away it goes.
Equally, I've flown to 'test drive' a car. It was cheap enough that my old question is 'will it make it back home (interstate)?'… the guy was a little sus on me, but I showed up when I said I would, paid cash and left.
I've seen a few times lately with people just want an honest deal and willing to pay upfront to secure an item they will pickup later. No different to buying something online then getting it shipped really (although PayID when you get there means you can at least eyeball the item first).
But sometimes people are just reasonable and things really are just that easy. If only everything was.
I say this might be possible given they've paid via osko. Some sellers usually goes by first come first serve rule despite promising to meet another person later for the transaction (eg. people msg seller and say "I can come to your place right now and pay by cash!").
Happen to me a few times when I was told I can meet them after work only to get a text a couple of hours saying it has been sold lol. Depend on how badly they want your item I guess. But then personally as a buyer, I don't pay in advance to pick up.
Ok. It's too inconvenient. Scrap it. I'll refund his money. Thanks.
Yes Pam that’s how it works
Am I Going to Be Scammed Soon?
Sooner or later.
make sure the money is in your account. don't accept any screenshots of payment receipts etc
The only odd flags (note I say odd not red) I could are - why would they buy something sight unseen and send you the money well advance of collecting the goods? Given Osko is instant (unless you are CBA..) I'd do it when you came to see the goods and collect.
Saying that - I did once sell a car for $54k remotely (they inspected it first, when back to their other city and then thought about it then we haggled over phone and they paid me by bank transaction) - I think the dad realised what son had done as he was suddenly on the next flight to come and collect it!
Why would you accept a bank transfer when you are meeting in person ? Always exchange the item for cash if you are meeting face to face.
^^^ ThIS !!!
No, if you are worried take photographic evidence of the handing over of goods
No but now you have the opportunity to scam him
I've offered the refund but he's declining. This guy really wants the item. With Osko, once the payments processed you can't reverse it back so I don't think there's any other way..
What kind of item is it? If it's not a common item or your price is cheap, he probably really wants the item.
Other than refunding the money, the next best thing to do is make sure the name on his ID matches the bank account that the money has come from so you at least know it's his account (and not some sort of hacked account).
talk to your bank and find out the possibility of this payment being reversed
As a seller -
I've never understood why (if meeting the buyer) that you would not ask for cash when exchanging the item.
why do a bank transfer?
or if a friend is collecting then why not transfer the money to the friend who then gives cash?
a couple of times I have sold items where I have received payment via bank transfer or paypal F&F and then posted the item (with tracking and signature)
Cause he paid via Osko and I recall that it is the most secured. However, I don't know much about whether it can be reversed..
Some people just don't like to deal with cash any more. I rarely carry much these days, and I'm happy to receive payment by Osko, means I don't have to deal with the cash after they've paid (or those that pay with a bunch of coins…) I'd only send payment while meeting for pickup but I guess this buyer may have wanted to secure the item before they could collect.
The thing that messes it up is the banks that delay the payment for 24 hours when it's a new recipient (which of course a Gumtree buyer/seller is likely going to be) which defeats the purpose of instant payments.
Delayed osko causes a huge scene for gumtree and Facebook market exchanges (buyer reckons they have sent money and wants item, seller has nothing but their word for it).
I just say no to osko as you can't guarantee it is instant. Just bring cash
What time are you meeting the buyer?
Looking forward to an update.
What are you selling?
My experience is if it's just some random crap like a chair or vintage equipment you won't be scammed people are quite trusting and nice. But if it's something like a branded easily resellable item like iPad/laptop/PS5 then 99.99% it is a scam.
PeeDee, how'd you go
Going by the lack of reply I believe OP was abducted.
It's not looking good
RIP OP (PD)
🤣🤣
Every cloud has a 'Silverlining' eh PeeDee? ;)
@PeeDee Update?
Could ask them to bring cash when they pick up the item, and transfer the original payment back to them?
Why are people using GumTree?????
Use eBay
We need updates!
Didn't know you guys would be so keen to hear this. Your much-awaited update:
He said he just wanted it as a Christmas present for his mum. He's super-rich though so I assumed it's the colour he was after that you couldn't get anywhere else. Nice friendly bloke, drove by in his super-rich car to our meetup spot and gave it to him.
You guys reassured me that Osko is secured. Gumtree's just heightened my fight or flight response.
Great outcome, but your description of the buyer just raises more questions!
What did a super rich guy drive?
Why did a super rich guy use gumtree to buy an item instead of new?
What was the item?
😂
That can be trivial enough to be left unanswered. Thanks all. Case closed. :)
maybe he wasnt really rich at all but compared to PeeDee who's super poor so by comparison he would be super rich from PeeDee's point of view.
interpret however you like :)
@PeeDee: The only car I know that you don't see too often and only rich people can afford is a Rolls-Royce. I've only heard mentions of it by word of mouth but I've never actually seen one in person before. It's either that or some custom built luxury, heavily modded hotrod which of course would also be a rare site indeed.
Did you speak to them or was all correspondence via messaging?