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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Are people really this bored?

34 replies

ABCDear · 11/02/2024 13:49

It's a Facebook Marketplace one!

Trying to sell an unused refurbished phone (as inherited my late husband's one).

Apart from the usual scammers and ridiculous low ball offers got contacted by a lady who seemed very nice and keen. Old Facebook account etc. Asked all usual questions, didn't argue price and wanted to know where collection is from.

Gave her a neutral location (as never know if the Italian mob will turn up or who is on the other end), she gave a time and off we go.

About 10 min before agreed time she messages she's busy at work and her partner will come instead. At this point red flags start going off so I enquire about payment and mention if bank transfer will have to wait for money to land before handing over the item. She says not a problem, should be instant anyway. Mentions he's really close.

Couple of min later a young guy turns up (by foot) very polite, checks the phone, takes a picture to check camera says all looks great and happy to buy it. I give him a piece of paper with my name and sort code and account number as don't know if he might snatch my card/wallet or whatever, (is it obvious I'm very suspicious yet?), he takes his phone out puts the info in then shows me the amount and then a green tick shows up. All done...supposedly.

Now I don't know much about banking apps but this green tick set alarms off as mine has nothing of the sort. Anyway we stand around waiting for 5 min while I refresh my banking app, he checks his phone and says will take 2 hours to process. Red flag number 2!

At this point I expect him to want to take the phone etc. but instead he says he'll give me his number and I can message when money has landed and his girlfriend will collect. We exchange numbers. Great! No pressure, no threatening behaviour nothing! He walks back the way he came.

I get home and notice the lady has left the Messenger chat. Red flag number 3! Two hours pass, still nothing, I message him saying "nothing landed yet, may have been late in the day, will check tomorrow and let you know". No reply.

Next day comes, still nothing. I fire off another message saying "still nothing, would you or your missus like to rearrange and bring cash this time instead?" Again no reply.

Haven't heard anything since. Obviously I always had it in the back of my mind that nothing would come of it anyway but why go through all this if you never had the intention of buying it in the first place? He said he took a taxi from next town over with his mate, but I didn't see a car or anyone else, just him walking there. And there was never any whiff of threatening behaviour or pressure to hand the phone over.

The only time he wasted was his own, the neutral location was 2 min from my house on the same estate as didn't want him/them to know where I lived so didn't put me out one bit. So why?

I would love to hear some theories as everyone else I have told this to end up speechless!

OP posts:
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spookehtooth · 12/02/2024 10:53

Knulp · 11/02/2024 19:49

That's hardly comparable! Unlike the OP he published the details to millions of people, effectively daring them to do something with them. There's the risk in the course of normal behaviour, and then there's extremely reckless behaviour, part of the risk is him .. who could resist making him look stupid 🤣🤣

We're not talking about secret information like your card pin number, login details to an account or anything else that if shared means you won't get compensation for fraud. The account number and sort codes exist for the sole purpose of being shared freely.

There is a risk because every single piece of information has a risk of being misused, including your name and telephone number but nobody advocates keeping them a secret. The banks have assessed the risk Vs benefit and concluded it's acceptable

So yea, it's obviously good for the OP to look for signs of the information being misused, but it's ridiculous for anyone to suggest the OP did anything wrong or stupid. They didn't, the banks not only consider it an acceptable risk, they'll compensate customers in the unlikely event of them being misused for fraud

doilooklikeicare · 11/02/2024 20:58

@Typecast that's still nothing making an iota of sense!

Typecast · 11/02/2024 20:54

mondaytosunday · 11/02/2024 20:39

@Typecast I pay for loads of things direct into people's bank account. I must have 50 people on my payment list with my bank. Half are trades people.

I believe people may have missed my point.

The OP says that she gave him a piece of paper with her name and sort code and account number on it. There's no proof that he actually put that in to a banking app to make a payment. There are countless ways that this information could be misused, and yes, including making purchases online (first payment by direct debit, item/service received, payment cancelled).

I also pay for items direct into people's bank account but I do that myself by choice via my own banking app. Not with some random person wanting to buy a phone via Facebook Marketplace.

mondaytosunday · 11/02/2024 20:39

@Typecast I pay for loads of things direct into people's bank account. I must have 50 people on my payment list with my bank. Half are trades people.

peakygold · 11/02/2024 19:57

Typecast · 11/02/2024 14:12

He now has your bank details therefore he can set up any purchase and have it delivered to any address. Actually getting a phone would have been a bonus part of the scam.

Don't be daft. He can't do any such thing.

Petrine · 11/02/2024 19:03

I very much doubt the scam was to get the phone.

The scammer now has the name, address, phone number, sort code, bank account number of the OP.

The scam is well known. often you get someone saying they want to buy and will send a courier with the cash and collect the item. The scam is that they then say that just to protect themselves they want to get insurance to cover the courier and ask you to pay a small amount online to the courier which they say they’ll cover by cash. Once you do so you’ll never hear from them again because they then have your bank account details. It’s a very well known scam that’s been around for some time.

I would check with your bank OP.

CharmedCult · 11/02/2024 18:27

Same, I get a notification on my app and an email when a new DD is set up on my bank account.

CheeseCakeSunflowers · 11/02/2024 18:22

Although you could set up a direct debit with the bank details, my bank usually notifies me that a new on has been set up before the first payment is made. Presumably this is so I can cancel it if its not me that has done it.

Blarn · 11/02/2024 16:22

It would, be spotted quickly and sorted, but still another thing to have to keep looking out for and sort out. Won't help OP but just something to be aware of.

Merryoldgoat · 11/02/2024 16:12

Blarn · 11/02/2024 14:35

I set up a direct debit recently that asked for my name, bank account and sort code. They could, in theory, set up payments from your account to something which benefits them. Unlikely, yes but possible.

Which would be stopped and instantly refunded when you called the bank.

doilooklikeicare · 11/02/2024 16:04

Blarn · 11/02/2024 14:35

I set up a direct debit recently that asked for my name, bank account and sort code. They could, in theory, set up payments from your account to something which benefits them. Unlikely, yes but possible.

But you'd see the direct debit and reclaim via the DD guarantee?

Circumferences · 11/02/2024 16:04

You were wise not to hand it over, seeing as he'd used pretend bank transfer visuals that seemed convincing.

doilooklikeicare · 11/02/2024 16:03

Typecast · 11/02/2024 14:12

He now has your bank details therefore he can set up any purchase and have it delivered to any address. Actually getting a phone would have been a bonus part of the scam.

So every single cheque that had been processed gave that information (I know cheques are used now) so how did that work then?

ShinyAppleDreamingOfTheSea · 11/02/2024 16:03

Typecast · 11/02/2024 14:12

He now has your bank details therefore he can set up any purchase and have it delivered to any address. Actually getting a phone would have been a bonus part of the scam.

How can he do that without the security numbers ?

Circumferences · 11/02/2024 16:02

They can't do anything with your bank details.
There was probably no "girlfriend' either, scammers like him know people like you are more trusting of women.

Bubble2024 · 11/02/2024 15:56

The obvious scam is that you fall for it but you’ve also just handed over your bank details. So that wasn’t smart.

NannyGythaOgg · 11/02/2024 15:47

ABCDear · 11/02/2024 14:30

This actually makes a whole lot of sense. I have been over and over this and couldn't figure out what the scam part was. I Googled 2 hours and seems pretty standard for domestic transfers. As it was a couple hundred quid seemed plausible.

The bank details did freak me out a bit but I thought that you can only put money IN with that information not take it out!?

For reference people give me the exact same details to pay for my DCs clubs etc.

Don't worry about the 'bank details'. In the 'olden days' when we still used cheques, account number and sort code were (still are for those that still use cheques) printed on every cheque. On their own, they are useless.

Blarn · 11/02/2024 14:35

I set up a direct debit recently that asked for my name, bank account and sort code. They could, in theory, set up payments from your account to something which benefits them. Unlikely, yes but possible.

spookehtooth · 11/02/2024 14:34

Well played.

I've sold a laptop on the doorstep, with money paid into bank in legit circumstances. It shouldn't take more than a few minutes, and it helps now that bank apps confirm the account details match the name to avoid genuine accidents.

IMO it's better than cash, which can be fake and not always easy to spot whereas once the money is in your account, it's 100% real and yours. You're also fairly well protected from it being stolen back. Stick to traditional banks & building societies tho, companies like PayPal are at risk of being too naive and trusting, which scammers exploit

ABCDear · 11/02/2024 14:30

CharmedCult · 11/02/2024 13:55

You wouldn’t believe how many people would have handed over the phone at the point where he said it’ll take 2 hours to process the money.

You didn’t, he knew you were onto the scam.

And because there was no pressure, threats, aggression, the police won’t be arsed about becoming involved and he knows it.

For every person like you, there’ll be at least 2 or 3 people who will hand the phone over and lose it.

This actually makes a whole lot of sense. I have been over and over this and couldn't figure out what the scam part was. I Googled 2 hours and seems pretty standard for domestic transfers. As it was a couple hundred quid seemed plausible.

The bank details did freak me out a bit but I thought that you can only put money IN with that information not take it out!?

For reference people give me the exact same details to pay for my DCs clubs etc.

OP posts:
Magnastorm · 11/02/2024 14:27

It's true that nobody can do very much with just a bank account and sort number, but these people also know OP's name/ phone number and from her FB profile probably some other personal information too.

This is how identify theft can happen. I'd be straight onto my bank if I was the op.

CharmedCult · 11/02/2024 14:24

Typecast · 11/02/2024 14:12

He now has your bank details therefore he can set up any purchase and have it delivered to any address. Actually getting a phone would have been a bonus part of the scam.

Rubbish.

Nobody can buy anything with only your account number and sort code.

Merryoldgoat · 11/02/2024 14:22

Typecast · 11/02/2024 14:12

He now has your bank details therefore he can set up any purchase and have it delivered to any address. Actually getting a phone would have been a bonus part of the scam.

How? Please stop with scaremongering nonsense.

theGooHasGone · 11/02/2024 14:22

You can set up direct debits for donations to charity and so forth with banking details, but it's not easy to buy anything tangible with them.

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