theplumber

Just to be clear this is still ongoing and as far as it looks it's some sort of glitch in the banking system as they say that there is nothing to suggest we have been scammed. The seller is on here and I am sure if he had seen this thread and wanted to comment he would have. But at the end of the day he has done nothing wrong. Some of the info we have received from the bank has been pretty confusing but today my wife spoke with someone who told us not to worry it will be resolved. They have to try and recover the money from the bank that it has ended up in. And I suppose the person has no idea why he is £95 up! You hear of folk getting thousands in their bank...and they start spending it!.....Or was that some film I seen! Anyway thanks to everyone who has commented and I will let you know when we get the money! And let's never mention this again!....Scam or safe to buy?...That depends lol.

A couple of points...its still ongoing we don't have the money back and the bank know which account it has gone to as they are trying to get it back from said account. It's all documented on their system though the choose not to tell us how it happened as you can imagine. The banks have a system in place to refund the cash if everything stacks up...and even if they don't get the money from the account that it goes to! I think I mentioned erlier in the thread about losing over £200 at one point to some sort of scam...it just came out our account and purchased goods from Argos at the other end of the country! Who knows how that happened! We got our money back through the bank in about 4 or 5 days..

Agreed but for whatever reason some folk don't use it...

We bank with Virgin. The payment was sent to a Santander account and ended up in a Nationwide Building Society account!!

We contacted the bank again after getting a bit of an odd e mail in which the bank said that nobody was subjected to a scam and went on to say that we were in dispute with the seller!! So we can't take your claim further so we are raising a payment recall...which means they will contact the receiving bank and ask for the cash back. That as we know points to a bank error! As mentioned by some folk. The lady said not to be worried about it but contact them again next week if we don't hear anything. She also said she had never seen anything like this before!!.....

Another thing and nobody has pointed it out...why did it take about 5 or 6 hours to show as payment sent or complete? I have received money from folk straight away in a bank transfer. Speaking to my wife who usually does the banking it say's on the bank app that transfers can take up to 5 hours. Is this normal?

I was with her. I read out the private message from here with details. She has telephone banking on her phone although it is a joint account.We both checked the details and as folk have pointed out the bank automatic check sends the cash if all details are correct. Also we both checked during the day as I was in contact with the seller re the money coming through. He had parceled it up and was waiting for funds so he could nip out and post it to us. At 4.30pm I got a private message from him saying still no money in his bank....that's when we checked the app and found it had been marked as received...only it was a totally different person and bank details!

I wouldn't say they don't have to believe as all the process including original details and account it ended up will be on record and we confirmed all this with them. They asked us if we knew the person that the money ended up going to.....But yes if it is indeed a fault in their system as some folk have said or a fraud we won't ever know. And when we do get the money back that's the end of it!

Yes!

Neither do we...and we are not saying that or thinking that at all. Its as I described and as some folk have pointed out. Its a scam of sorts with the money being diverted at some point to a totally different account whilst starting out with us and indeed the bank with the proper and correct details. And again as for the message from the bank saying it's an APP......It's doesn't by definition actually seem to be that as we set out at the start with the proper bank details going to a trusted seller. We have screenshots if needed of all conversations as it was done through this site and I agree it's a bank issue and we won't ever know what happened that's for sure. I put this up here to find out if it had happened to anyone on here selling and it seems by and large it has not!

Yes..everything as above. At the end of the transfer which took about 6 hours it was marked as received to a totally different person,and both the sort code and account number was totally different. We had checked at least two times during the process and it was showing on the banking app the original name and details of seller and marked pending. We went out late afternoon and I received message from seller to say he had received nothing so we checked the app and that is what we found. I agree with what folk are saying re APP. But as mentioned we have been told in e mail from bank that they calling it an APP. We are still waiting on payment .They say they are looking in to our fraud case and will update us within 15 days.

Its lucky we did check. This was the Thursday night and we were off to Spain later on the Friday night. It could have been a nightmare trying to report it and then having the card stopped.

Yes...I had conversations with the seller on here and as far as I know are still there for any mods on here if they want to check. It all seems ok to me as far as the conversation before,during and after the event and indeed the seller messaged me to say he had sold the item as I did say if he gets a sale before I got back from holiday. I did ask him to contact his bank to make sure everything was ok his end but as I mentioned earlier I was out of pocket and he still had the item! It has to be said...could someone have hacked private messages on here and find out the bank details he sent me in private? And again as folk have already said how does that happen when me and the wife sent the payment to the right person and seen the payment sent off so to speak only for it to arrive in some strangers bank.

The only thing they would tell us the next day was that there was no sign of our account being hacked at all.

Trusted member on here......

Not surprised...

Had a conversation about buying a bass from Facebook market place and somewhere in the conversation was ''You make me the money today right away and I keep bass till morning so you come around.....'' I never paid nor went around!!

Do banks make mistakes?....lol

I offered the Paypal option and the seller said he had issues with his Paypal account. I know some folk don't like to use it for many reasons as discussed on other threads. The banks have a way of sorting this out and if everything is ok at our end and the person we sent the money to checks out then it's a refund. But again as mentioned they know what account the money really went to and there is no way that they will say how that has happened no matter what the reason is.

Yes...as far as I understand the APP thing...it's not that! The bank may just say that to wrap it up. They won't tell us anything even when they do pay the money back. It happened years ago with us. Someone got £200 odd pound from our account and it showed as being spent in Argos and the opposite end of the country. They asked the usual questions....does anyone else use our bank cards etc....Then after a couple of day's the money was refunded. Never heard anything after that!

I would say so. But I was surprised that they have put it down to an APP. We got on to them within the hour of the money being received and they told my wife that although they would ask a few questions about the transaction they can not and will not answer anything we have to ask.....

Yes....When we put in details that's what happened and it then went to pending showing the correct details. When it was marked as transaction complete a few hours later it showed a totally different name and other details. Very odd!

Sorry I am trying to keep it a bit private and not mentioning the name of the person or item. He will be on here and can comment if he wishes but as it works both way's I am sure that me having the money issue and him still having his...item has a lot to do with it! As I said it's not his fault but we are all in the same boat!

Yip....that's what I thought! I also thought that the money went straight in to the account! A wee example was selling a bass a going out to a venue that the person was playing,after checking his online facebook stuff etc and the guy paid me through bank transfer. I phoned the wife straight away and she confirmed the money was in our account..gave him the bass!.I have heard of some money transfers being reversed but not from your own bank! They tell you that in the banking instruction to make sure you do input all the correct details as if you make an derrière of it can be very difficult to get the money back. As usual I gave the the wife the blame! But all kidding aside we both checked before the money was sent and the bank has confirmed that we have sent it to the right person at the start. They won't/don't comment on where it ended up but they do know.

Yes...and I confirmed again with him when the issue came up. At first I thought that the wife had put a wrong digit but it was a totally different name,sort code and bank account on the payment cleared message on telephone banking.