Safe to be wire transferred?

justaguy · Post by **justaguy** » Thu Jul 24, 2014 2:44 am

I put my Galaxy S 4 up for sale for €400. It comes with at least €100 of extras (3 batteries, case, protectors + others) and after a multitude of increasingly ridiculous offers from total cheapskates (seriously Finns don't seem to have any idea what bartering/negotiation is and are totally fine offering something utterly insulting of which they would never accept themselves) I finally have seemed to have found a buyer.

Now the email I got, the projected buyer definitely seems to have used Google Translate..

"Kiitos postia, olen valmis ostamaan tämän kohteen sinulta pojalleni,
joka on opiskella ulkomailla. Aion maksaa 370 € kohde, aion myös
tarjota 30 € Rahtikuluista Britanniassa, jos olet halukas myymään sen
minulle. Lähetä minulle pankkitiedot, jos olet samaa mieltä hinta.
kiitos"

€370 + €30 postage to the UK. Basically the price I am selling for anyway. I am willing to accept that, seeing as I was always willing to drop the price or have it haggled around.

Now to my point.

If I give the person my bank details so they can wire the money to me.
Is there any way that they can then just have the funds pulled from my bank account?

I am aware that emails are evidence of intent to purchase/make a transaction/agreement/etc. and thus I basically have a binding statement that this woman is agreeing to pay for the item, (and thus I am agreeing to sell it to her) if she pays.
I just want to know that will she be able to do a chargeback from my bank account somehow and pull the funds for whatever reason, or no reason at all. After I have posted the item (and thus can never get it back)

Cash in hand is a much safer concept...
Though I do remember someone saying in the past that in Finland you need a court order to do a chargeback.

**Sponsor:**

Honest · Post by **Honest** » Thu Jul 24, 2014 9:55 am

It looks like somebody from Nigeria is interested in your mobile

Upphew · Post by **Upphew** » Thu Jul 24, 2014 10:30 am

I'd expect the buyers next step to be screenshot where s/he has paid. When the money is nowhere to be seen in your account, the next step is to try different payment method, but there is already a rush to get the phone posted..

betelgeuse · Post by **betelgeuse** » Thu Jul 24, 2014 11:21 am

justaguy wrote: If I give the person my bank details so they can wire the money to me.
Is there any way that they can then just have the funds pulled from my bank account?

It's not possible to cancel the transfer once the funds show up in your account. You can also protect your daily banking account by opening a savings account that you normally keep empty (at least my online banking in Nordea allows me to open as many as I want). It might be a scam but I don't see any danger to you on top of lost time.

Snorri · Post by **Snorri** » Thu Jul 24, 2014 12:38 pm

Not to be overly paranoid but she is trying to gain your confidence telling you about her son.

On top of that you might wonder why she is willing to pay over double the price for your phone as compared to a used SGS4 in UK (even with all of your accessories) - http://www.smartfonestore.com/filter-mfr-Samsung.aspx

justaguy · Post by **justaguy** » Thu Jul 24, 2014 2:29 pm

FloydFin wrote:Seriously?! You're seriously thinking of selling to this person?! I'm baffled by people who still fall for these scams,,, a rule of thumb, whenever the buyer is outside Finland trying to buy something advertised on a FINNISH website then it's definitely a scam! Only sell to people you can meet in person and only take cash!!

Yeah it turned out to be !"#¤%:

Got an email this morning:

" This message is originated from Ulster Bank. We have received an order of ***€ 410.00 Eur*** from our client "( Mrs Annalisa Kaisa David ) "annalisakaisadavid@gmail.com" regarding the payment made to your Bank account.

The payment has been successfully made but due to security reason we have to receive the shipment tracking number within the next 24 hours for the processing of your order.This a new measure we are taking to protect both our sellers and buyers against fraudulent customers."

Utter horse !"#¤%. Just another one of those "You send the item first, then you get the money (not)".
I've had a few of these actually. One guy tried to sell me a Macbook that was €2200 RRP for €1100 RRP. He sent an email saying that he had put the item through some fake courier company, (looked like the website was a blogger blog) and that I should send the money to the Paypal of the courier. Total BS.

My mate also got a message from a guy who wanted him to send money to his bank account in the UK from Finland, and then he would send the keys to his apartment for renting.
It seems these kinds of 'overseas' scams have exploded this year.

To be honest, I thought that it would be a relatively normal procedure as tummansininen said. She wires me the money to my bank, I send the item. I've done that before.
The email I got from this so called 'bank' is one of the more poorly constructed that I've ever seen.

For the record, I would never send anything without receiving payment first.

onkko · Post by **onkko** » Thu Jul 24, 2014 2:33 pm

If you give your info they inform that due to "bleh" its not possible to transfer funds but they can send cheque or use "this great service" or similar.
Its a scam.

justaguy · Post by **justaguy** » Thu Jul 24, 2014 2:41 pm

Just got more badly translated garbage:

Haluan kertoa teille, että olen tehnyt maksun minun pankkiin, ja olen
varma, että saat vahvistuksen maksusta postia minun pankkiin, joten
sinun tarvitsee vain voit mennä ja tehdä toimitus kohdetta postitse
osoitteeseen annettu huomaat maksujen että olet saanut:

Nimi: David Olushola Ige
Osoite: 54 Guilboure Road
Valtion :: Plumstead
Zip-koodi: SE 18 2NS
Maa: Iso-Britannia

Joten kun olet lähettänyt kohteen postiin, varmista, että saat
takaisin minun pankkiin lähetysten seuranta numeron olet saanut
Postista ja lähetä se minun pankkiin, jotta he voivat aktivoituu
teidän koko rahaa pankkiin huomioon. Joten odotan teidän vastata.
kiitos

In the future I'm not even going to reply to people who want me to send the item overseas..

Pursuivant · Post by **Pursuivant** » Thu Jul 24, 2014 3:03 pm

Just send them a well-packed dogturd. That'll serve for chocklates...

Honest · Post by **Honest** » Thu Jul 24, 2014 5:02 pm

Desperation is the key to success for the scammers. It's easy for a neutral person to see a scam but the desperate one falls for it.

Ligence · Post by **Ligence** » Sat Jul 26, 2014 11:22 pm

Whenever someone wants to buy something fairly common from another country, be on your toes. I'm fairly sure there's a crapload of those phones on the 2nd hand market in the UK.

I'm selling my car currently and have also received this sort of spam. Like anyone would buy a car from abroad unseen anyway...

Rip · Post by **Rip** » Sun Jul 27, 2014 6:58 am

So regarding the original question, there was no real danger involved as long as you are not naive enough to think that money that isn't on your account is there.

David Olushola Ige

Maybe somebody will hyperventilate about 'racism' again, but the name makes me think about Africa and a certain country in particular.

foca · Post by **foca** » Mon Jul 28, 2014 3:02 am

Did you ever ask yourself why the potential buyer tried to communicate in Finnish , bearing in mind he/she lives in the UK? It is a simple 419 scam. He/ She tries to get your confidence that way.... And of course no bank will issue e-mails of the kind for the sum of measly 400 eur. You can play some scam biting if you want to but it us pointless...
By the way ,the simplest way to check if the person on the other side wants to make a payment is to change one digit in your account number. All iban accounts are easily checked by any Iban calculator - in essence if all numbers are added , divided , contracted in a particular way the result will give you a check digit (which is incorporated into the account number). Thus any EU bank that receives an order with a beneficiary account that does not check-out will inform the sender that the account is wrong. It is way too much for a rank and file scammer - he/she will try to forge a confirmed order with the number you provided - thus you will know it is a scam....

foca · Post by **foca** » Mon Jul 28, 2014 3:06 am

Rip wrote:So regarding the original question, there was no real danger involved as long as you are not naive enough to think that money that isn't on your account is there.

David Olushola Ige
Maybe somebody will hyperventilate about 'racism' again, but the name makes me think about Africa and a certain country in particular.

Da Nigeria Man U mean ?

Your presumption is probably right....

MinnaLaa · Post by **MinnaLaa** » Wed Aug 13, 2014 11:53 am

I got this same message couple days ago. This person wanted to buy my item from tori.fi -service.

My received message looked like this:

I would like to inform you that I have made payment, and I am sure that you have receive the payment confirmation mail from my bank. so all you have to do now, is to go and ship the "**item**" to the address given to the address given to you by my bank, through the payment email alert that you have received from my bank:

Name : David Olushola Ige
Address : 54 Guilboure Road
State: : Plumstead
Zip-Code : SE 18 2NS
Country : United Kingdom

So when you sent the "**item**" at the post office, make sure that you get back to my bank, with the shipment tracking number that you received from post office where you sent the "**item**", and send it to my bank, so that my bank can then activate your total money into your bank account. So I'll wait for your respond. Thank you.

The person this sent was Sophie Werberg David

I received message from "the bank" about transaction made and it looked like it came from Ulster Bank... well it kind of looked like a really bad version of a real bank information - poor code and template looked like amateur work. Either the sender address was not from the real bank, it was ulsterservices.com@sunster.com.
I thought this is some kind of hoax. I contacted Ulster Bank just to make sure what this kind of service is about. They said they don't have such thing, only regular bank transfer from another account to another. No tracking coded etc. If you look at the street address what is in that email what appears to come from the bank, 11-16 Donegall Square East, Belfast BT1 5UB, put it into Google map, there is no bank in that address. There is a cash machine what belongs to Ulster bank.
So, do NOT SEND anything to this person!

Suomeksi:
Sain viestin henkilöltä tori.fi:n kautta, että hän halusi ostaa minulta kohteen. Kun suostuin myymään sen hänelle, niin häneltä tuli viesti, että hän on laittanut rahat tämmöseen palveluun, ja kun olen postittanut tavaran, rahat laitetaan minun tililleni. Sähköpostiin tuli vielä viesti, joka näytti Ulster Bank-pankin näköiseltä automaattiviestiltä. Tosin epäilin sitäkin, koska viesti oli oli todella huonosti koodattu

Luulen, että tuon tasoisesta pankista tulee vähän hienomman näköistä viestiä. Otin siis yhteyttä pankkiin, ja kysyin, onko heillä tällaista palvelua, ja he vastasivat että ei ole. Ainoastaan tavallinen tilisiirto. Pyysivät minut laittamaan tuon "pankin viestin" heille eteenpäin tutkiskelua varten. Laitoin sen heille, mutta sieltä ei ole tullut vielää mitään vastausta tms.
Laitoin myös tuossa ns. pankkiviestissä olevan osoitteen , 11-16 Donegall Square East, Belfast BT1 5UB, Google mapsiin. Osoite on olemassa, mutta siinä ei ole pankkia, vaan siinä on pankkiautomaatti, joka kuuluu Ulster Bank-pankille (street view). Eli, älkää postittako mitään!

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