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@dglshrn
Both paid for the same saddle? Always, always paypal. May be possible to reverse it, and if not then bank transfer means you have his actual real life details so may be possible to proper, IRL, get your money back as it's fraud.
Glad I didn't pay for owt, but I'd never send £250 to a new user via bank transfer. Would possibly have considered it for a saddle though.