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In Reply to: RE: Audiogon sale... fraud? posted by ggking7 on March 21, 2012 at 08:34:49
When you have no recourse on a money reversal, insist on a bank transfer as the form of payment.
You are 100% protected. Once the money is in your account, it is yours. the other person cannot claw it back.
Once you have the actual correct amount, who cares how the person asks to have it shipped.
Now if suddenly they want to send you a bank check for $10,000. and ask you to send them $7,000 back, then you know it is fraud.
I have sent stuff to Germany, to a prson who just really wanted that item. They were the one to suggest a bank transfer.
Anyway, if the person is legit they will be willing to send the money in a way you feel safe. If not, then just do not go through with the transaction.
Follow Ups:
Back in the '90s, I vacationed in Europe. I wanted a hotel in Munich at the height of Octoberfest. Check sent to a German bank and no further problems. Room waiting.
Too much is never enough
Doesn't that require that I give him my bank account number? Is that safe?
....you are giving them your account number and the bank's routing number. That's what all those numbers at the bottom of a check are.
Dean.
reelsmith's axiom: Its going to be used equipment when I sell it, so it may as well be used equipment when I buy it.
whom you consider a fraud suspect?
each time you write a personal check and hand it to someone; (along with your routing number as well).Wouldn't take much for a con artist to order up checks with your name and address (and above mentioned acct and routing numbers) and wipe you out of your checking acct -I'd be more concern with that more than I would with a wire transfer (which, would fall upon your bank rather than you if they're defrauded IMO).
may the bridges I burn light the way....
Edits: 03/21/12
Could my bank try to pull the funds back out of my account if the sender claims fraud or something?
I'd doubt if any bank would want to get involved in conflict resolution with anyone; much less someone from a foreign Country like Russia.And its not like the Nigerian scams that have you cash bogus checks; I mean once the indiviual cashes "your" check; its recorded and documented through your bank.
Personally, I wouldn't ship squat unless the funds were safe in my bank -via wire transfer.
Keep in mind even with Paypal he can run a scam claiming he never received the items.
Or, he could be a legit buyer that fell victim to mail fraud or whatever..
Shipping to foreign countries is always the most risky since regulations vary so widely.
And although many will most likely chime in and claim having great sucess in shipping abroad; I personally wouldn't ship outside the US (AK and HI are ok, but higher shipping cost) and would denote this on my ad.
But once again I agree with the others; bank to bank wire transfer is probably the safest (at least on this side of the Earth).
may the bridges I burn light the way....
Edits: 03/21/12
Elizabeth is right. Just ask your bank how to give wire instructions. Forward on to your buyer.
If he is willing to wire your bank the cash then fine. Proceed with the transaction.
customs may be another matter. Make it clear to the buyer that you are not responsible once it
arrives in Russia.
In this case I would not use PayPal as it would still be possible for fraud to occur.
If you ever give anyone a check they have your account number.
Generally the "Bank transfer" is safe for the recipient.
The sender has no recourse if things go bad. Once you have the money, the sender cannot demand it back. not force it back in any manner.
You can Wiki bank transfer. Or Google it.
That way if I am buying, I send the money from this account, and even if someone were to try to take money from the account there would only be $1 in it. And if I am selling, I immediately take the money out of the account, so there is no chance of a take back.
More and more banks will now charge you a monthly fee for that since it falls below their monthly minimum balance.
My good friends at Chase have so informed me.
nt
I refunded the PayPal payment and he's asked for my bank details for the wire transfer but things are quite fishy at this point. I feel funny giving him my bank details. I realize they're on every personal check I write, but isn't there some danger in giving them out in a situation like this? I wish I had a dummy account like Raiderman.
Even if you don't use it this time, you'll then have that for which you wished.
There is a crack in everything, that's how the light gets in.
—Leonard Cohen
I have more than one savings and checking accounts for various reasons. One I keep empty and then add just enough funds for online purchases ie., amazon, audiogon, etc., also have a Visa debit linked to it...works for me.
Theres been times where I've inadvertently 'clicked twice' on a purchase only to find out later it happened (or didn't happen- at least not on my part but I sure as hell got billed twice); beats the hassle of hunting down and wasting time in finding the right persons in resolving those matters.
may the bridges I burn light the way....
Edits: 03/21/12 03/21/12 03/21/12
I refunded the PayPal payment and he's asked for my bank details for the wire transfer but things are quite fishy at this point. I feel funny giving him my bank details.
You broke the contract..... You agreed to the sale then reneged on the deal....
The way I see it he can walk from the deal and try to leave negative feedback for you.
Try?
Because it is next to impossible to leave neg feedback on Agon.
1 - If you're not confident this is a sure thing, you should perhaps move on.
2 - I've handed out the info Elizabeth speaks of countless times with no problems yet.
Acct #, SWIFT code, branch number, location, etc.
If you get paid and the guy changes his mind, even with deposit, check with your bank, wait some time, before issuing any sort of refund. Again, if you are not 100% confiident, just back out.
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