Have I been scammed?!

[PlaneNoiz]

Part of me thinks yes but part me of me thinks no because I’ve been to her house.

Sold a nice item via a neighbourhood selling group and as it was heavy and I had a car I offered to drop it to the ladies house. She was very lovely and the house was lovely! But when I asked for payment, she asked for my bank details. I’ve sent them through and she says she’ll transfer…but having looked online it seems this is a common scam?!

But worst case I’ve been to her house and know her address. Or are people genuine and will transfer?

Halifax say that a Faster Payments transfer to another UK bank can take up to two hours. I wouldn't panic just yet.

https://www.halifax.co.uk/helpcentre/everyday-banking/payments-and-transfers/payment-timescales.html

She probably won’t send it now. I wouldn’t do bank transfers at all though because people can do chargebacks. There’s no way of proving they have the item they paid for so they can claim to the bank that they themselves were scammed and get the bank to reverse the payment. I always insist on cash if I’m selling something being collected.

I’m sure it will be fine OP. I’ve been trusting in many situations without a problem so far.

You need to wise up op!

I came here to say this!

Good suggestion.

I. KNOW. It’s been said so many times on this thread. Yes I need to be less trusting, more confident and less flustered and more confrontational. I know I made a bloody mistake. But please be nice.

I sent something very similar and here’s hoping it’ll arrive overnight :)

I think she sounds genuine. I also know Revolut can be slow.

I really wouldn't worry until tomorrow.

And I'd rather see the good in people than always be suspicious. That said I have ADD and reading other people is my superpower, so I can usually tell immediately if someone is iffy.

Fingers crossed for you my lovely.

Sorry OP but she has most definitely not sent you that money even though she says she has. Halifax payments will not take hours to show up, it will take seconds. Only small banks have their payments take a bit longer

I am with Halifax and think she is right that it doesn't let you screen shot but it does send me a text notification saying you have paid X - Y amount but I am not sure if I had to set that up. When I transfer it does say it can take up to x many hours for the person to receive it but they have always got it instantly.

If you don't get it by tonight - I would message and say it has not come through so I will return for the item tomorrow and she can chase up with her bank.

I use revolut a lot even to move money to one of my own bank accounts and if she did the transfer late this afternoon it will not show up to the earliest tomorrow morning - mine never do OP. It may be even close of play Fri/Mon morning - it is never instant.

You are right, this is perfectly normal. People can't withdraw money from your account but they need the details to pay into it!

Extremely unlikely with confirmation of payee

My bank doesn't let you screenshot either but I think you can send the person a message to say you've paid

I don't think you've been scammed, especially if she has historic posts on the group about parenting etc.

At the very worst she's chancing it and hoping you'll forget. But I bet it comes in tomorrow.

How do you know? More than one person has explained that transfers to Revolut accounts take longer than other banks

What makes you so sure shes a liar?

I have a revolut account but don't use it very often. DH is with Halifax and transfers have never taken more than a minute or two.

I just checked by sending myself some money from DH Halifax to my Revolut and it was instant. I actually got the revolut notification before the Halifax spending one!

A payment from Halifax to Revolut can take a few hours to a few days, depending on the type of payment and the destination.

Halifax payments
Payments to new people
Payments made online or through the Halifax mobile banking app usually arrive within two hours.

International transfers
The time it takes depends on the destination and currency. For example, payments to EEA countries in euros usually take one working day.

Revolut payments
Faster Payments (FPS): Payments to Revolut in GBP usually arrive within a few hours, but can take up to one business day.

Salary payments: Payments to Revolut usually arrive in two to three business days.

CHAPS: Payments to Revolut usually arrive within one business day.

International transfers: Payments to Revolut can take up to five business days, depending on the intermediary banks.

Factors that can delay payments
Payments made over weekends or bank holidays may be delayed.

If the recipient's bank is experiencing maintenance or an outage, the payment may be delayed.

The sending bank handles the initial transfer, so Revolut can't influence its status or processing.

You can use Revolut's in-app incoming transfer tracker to get an estimated arrival date for your payment.
Hopefully you'll see your payment in the morning 👍

Well you should've given them and sat there til the money went in. Otherwise you can't do much other than turn up on her doorstep. But it might not have been her house.

OP I work for a well known high street bank. Anyone giving you a hard time about giving your bank details are incorrect. Fraudsters can do absolutely nothing with your sort code and account number expect put money in. Card details, absolutely do not give out! Also most faster payments will go through straight away, but some banks can be slower. I'd tend to give her the benefit of the doubt here.

thank you for this. I also was so bamboozled when she asked for my details that i opened my Revolut app - I NEVER use it! I don’t know why i even thought to give those details!

You can absolutely screenshot on Halifax. I’ve just done it

That’s a lie as Halifax changed their stance on screenshots from online banking recently, I can remember reading e-mail. Also I bank with them too and I just now logged on to my online banking and took a screenshot just fine. Sounds like she’s bullshitting you.