Bank transfer gone wrong

If you passed your contact details to lloyds can they not look up the accout the payment wnet to, contact the customer who received the funds, ask if £300 was credited to the account on the date stated and if so pass on your details for them to arrange the transfer back to your account

They won't do it. Once it leaves and arrives they essentially wash their hands.

Harsh

I'd same James owes you £300 then. Leaving up to him to sort out with his bank

If you still have the numbers you could always get a direct debit made up and the money resent back out.

I believe that may be considered fraud though.

The worst would be them giving the lucky fuckerhis money back when the law bites him on the arse.

Payments have all changed since I worked in retail banking, however was never a recall process for cross border transfers afaik. Ask your bank to help, but don't hold out much hope.

If the seller really fucked up and gave you the wrong "to" details they should admit liability & refund you really, however you've not many avenues to pursue this via even if they take moral responsibility.

if they are not going to take responsibility then name and shame until they do so

they then have the option of taking appropriate action - sending you the wheels or probably finding it nearly impossible to trade on here

If you still have the numbers you could always get a direct debit made up and the money resent back out.

I believe that may be considered fraud though.

good thought, but direct debit only works if the payer authorizes the bank in advance to withdraw the money..

Are you sure the police won't help? Have you told them you think it could be a scam, or just a misunderstanding?

Strange that you would be told £300 is too small an amount to go to court for - I know someone who took a case all the way to court for £75 for a wing mirror - and won, including his expenses.

I don't understand you comments with regards to the Small Claims Court: it is a civil process intended to deal with modest sums.

Of course obtaining settlement once a favourable judgement has been received is another matter.

Apart from this, bearing in mind the likelihood that an active bank account number at the same branch as the seller was given in error, there is prima facie evidence of fraud and I think you should re-state your case to the Police.

Even if the seller made a genuine error, forum members need to be made aware of his identity, in order that they can judge for themselves the risks of paying by bank transfer.

of course I did that. Fraud is the subject of the report.

I think I need to stress, that I'm in Germany and things are different when it comes to international prosecution etc. The UK officials would have to accept the demand for penalty first. I was even told by the local cop that his experience shows that even if UK accepts the demand, things may take up to 2 years until resolution

is it a visa? I think this covers online purchases, might not work for people who aren't shops though

nope, regular bank transfer

no protection on back transfer, its like cash. once it left your account, it was gone. you have the person in questions address I assume? no one fucks up bank details. no one. period. "oops sorry mate I gave you the wrong Bank account number" doesnt wash. pay the cunt a visit.

^

I think I need to stress, that I'm in Germany

Has this been reimbursed yet?

unfortunately not. I sent him another PM today, no answer yet.

And I do have his address

btw, I want to thank you all for the great support so far!:)

no protection on back transfer, its like cash. once it left your account, it was gone. you have the person in questions address I assume? no one fucks up bank details. no one. period. "oops sorry mate I gave you the wrong Bank account number" doesnt wash. pay the cunt a visit.

Agreed. For an electronic bank transfer it's very hard for this to be wrong as the account holder name details have to match the account number / bank number (e.g. sort code) details for the transfer to clear. If this didn't happen then your bank is responsible.

So assuming you were given account holder name details and bank number details that matched then 'James' must have obtained these details that checked out with your bank. Either he knows what they are and has received the money or he has obtained / used them fraudulently.

If the latter has happened the you should complain to the Financial Ombudsman Service if 'James' is in the UK. Otherwise I'm sure Germany have a similar system.

http://www.lovemoney.com/news/scams-and-rip-offs/scams/15517/how-to-get-your-money-back-after-a-scam
http://www.financial-ombudsman.org.uk/faq/answers/complaints_a1.html

OK I'm just gonna put this out there ...

What if you're the scammer, and you say that you've paid the money to the account you were told to (lets say James said 4567), but you 'got a number wrong' (but actually paid nothing). So James says, when you check back with him 'ok the number I paid into was 4566', 'oh no, my number's not that...'

Also, anyone want to hear my German joke?

I'll tell it anyway. Perhaps it'll cheer philosovril up.

A German couple have a baby boy. All is well, until they notice that as he grows up a little, he isn't talking. He laughs and cries, but no words. At all. His toddler years pass, still no talking. He grows up some more, still no talking.

One day, when the boy is about 8, he and his parents are having dinner. He starts on his pudding, and suddenly says, quite calmly, 'This apple strudel is lukewarm.'

His parents exclaim with joy and surprise that little Joachim has finally uttered a normal sentence.
'Son', asks his father, 'if you can talk well, why have you never spoken, not even one tiny thing, until this moment?'
'Well, up to now, everything has been satisfactory.'

OK I'm just gonna put this out there ...

What if you're the scammer

Since you have paid the money to the account requested by james, irrespective of whether these are correct, my view is that it is James responsibility to send you the items and for him to attempt to get the money back from the account......

If he doesn't send you the items in my view it's clearly a scam.

Skully- I think James has confirmed he gave philosovril the incorrect details.

Alles klar, ja?