There are many ways of debiting someones account.....

Did you know most banks dont even make a visual check on cheques less than £500 (this may be even higher now) so theoretically cheques under this amount dont even need to be signed. By the time the bank had found the cheque and checked it the payee would be long gone!

 

Scooby 96,

I understand there are several ways to take money from someones account, but all the ways that i know of the bank would be liable as it would be there mistake not yours (ie they would have to give you the money bank and it would be there loss) And i also meant to ask of ways to take money from my account on an international level.

Cheques not having to be signed for under £500 still applys although some banks are sticter than others. Couldnt believe the first time i paid a cheque for £300 into my account that was ubsigned and they never even questioned it!

scooby soon

 

Its only what i have been told scoobysoon. I dont know how they do it. Im not a tea leaf
This cheque was quoted on the front as having a watermark and discoloured bording under light. My bank (Nationwide) has verified that it has both. I have also drawn up a letter to the bank for them to sign saying that i have no responsibility if the cheque is found stolen 6 months to a year later.
They have signed.

 

As i said..i've been through this situation with both small and large amounts of money and got burned on the smaller transaction (pulled the plug on the large order just in time!).
I really hope you're lucky and its a genuine transaction....but...keep us informed of the outcome!

Best of luck M8.

D.

 

This happened to someone on the TT website. A few months later the bank came back telling them the cheque had bounced even though initially they cleared it. I am telling you this is 100% a scam and don't try to be too clever because I gurantee it will cost you. The bank will end up taking the money back or they'll sue you for it as they acted in good faith. You will loose money - guranteed mate. STAY AWAY and DONT BE GREEDY cause you'll get burnt!

mark

 

Cheers Mark. I have taken advice and will let all know accordingly.
There are ways that i have been told as to burn the person that has sent it! Watch this space

 

Cheers Mark. I have taken advice and will let all know accordingly.
There are ways that i have been told as to burn the person that has sent it! Watch this space

 

Not been keeping up completely with this thread but as an idea if you did not want to give you personal bank details out you could always open up a second bank account with the same branch, this could be used purely for this one transaction.
As soon as the money lands transfer it to your main one and close it, thus preventing anyone tracking your personal details.

Simon.

 

Not wishing tp pour water on the fire so to speak,

there was a similar case on MSN money wherby they took on the nigerian bank fraud.... it got to the point some 6 months later i believe that the guys admitted it was a scam but were still pushing for the money....

re the bank.... blox i misquoted my bank acc details to my employer and my salary was paid into the wrong acc... the banks response ... you have to wait while we ask the owner of the acc for the money back... i asked where does this money go (thinking into my acc hehe) there response back to the person who originally paid it in ie my employer.. what happens if the person whos acc it had been paid into had spent the money... thats easy they replied as is wasnt theres it becomes theft, and we can legaly take steps to recover it!

now appy this to your sale.... a stolen/ dodgy check ( mr mxxxxx,s funds) gets paid into your acc all ok at this point....

and the check clears... (good) you send your car and overpayment to mr mxxxxxx (scary point)... Then the owner of the stolen/ dodgy check reports the theft of his money or payment into an unauthorised acc.. (yours) and the bank investigates... and finds its your bank acc... they ask for the funds back (bad news time) you now either have no car and some cash or some cash and a car

the bank is not in breach by asking for the money back as it was paid in error !! and you are potentially out of pocked and scammed!....
if you push the scenario forward... how are you going to get the car to Dubai... at some stage you have to give your details to sombody for the car to be exported the question is who?? it is some one mr XXX recommends?? just think youve given them your name// address etc..coupled with your bank acc details....

i would like to say its all kosher .... but i think not...

if you want to be sure contact scotland yards fraud sqaud or the home office or a similar dept..

best of luck

Mart

 

if your really interested to know, i would say the cheque has been destroyed and for him to cancel it, and send you a new one. If the cheque number is the same you know its a duplicate counterfeit.
listen to everyones advise, steer well clear. or let me put it another way, Do you really want to be taken from behind, from a guy called mohamed from dubai? i know i wouldnt!

Si

 

ok mate but just be careful and do not let go of your car!

 

Any news yet...?

D.

 

Any News yet???

 

Flat Four is on holiday at the moment, should be back Monday.

 

Cheers Tony Exhaust ordered for you
OK. Just read all through this again and 1 thing i must point out that i have Mohammeds HOME Number, not a mobile.
Still, i think now it is a scam. Ive had NO e-mails from him since. I have received though a letter from my bank explaining (After a letter i wrote! ) that they do all the necessary checks and actually SEND the cheque to the issuing bank.
It may well seem that (hopefully) this guy has been arrested after sending the cheque. Yipppeeeeeee
I will of course keep all updated on this.
1 other thing. If the cheque does not clear, i may be liable for a charge from the issuing bank!
Yeh Right!
Sue me you Bast'5ds

 

"If the cheque does not clear, i may be liable for a charge from the issuing bank"

What for? I doubt that very very much!!!

 

Admin apparently!!!!!!
Its in the letter from my bank!!!!!

 

Run a mile (well a couple of thousand...)


The next step will be that he cannot get the cheque and then he will ask for the bank details, at which point he will empty your account. Run like mad. Delete all e-mails and block his e-mail address as junk mail. This could cost you a mint…….

This is also known as the Nigeria scam……and you CANNOT usually get the cash back. You gave them your details, therefore no fault on anyones part.......

 

No fecking way at all - scan the letter and I'll check that out just to re-assure you.

The admin charge will be levied on the drawer not the payee, if the drawer does a runner thats tough (on the bank).

You may well pay a negotiation fee to your bank but you would pay that only if the cheque clears and is bona fide.

 

Didn't I read another thread where a similar thing happened and the gut was prepared to wait for the cheque to clear and then changed his mind and wanted the car & cash once the cheque had "cleared" I personally wouldn't take the risk

Paul

 

To re-assure everyone, im not about to send the car IF cheque clears anyway!
I have a feeling now it wont, as said, i have had no e-mails from the guy.
Just think. I just may well be a few grand better off. Cheque clears, i withdraw, put into high interest account, 6 months later bank wants money back, i send, keep interest! Oh, and the car

 

But if you're actually trying to sell your car that's a lot of bu66ering about and wasted time that could have been used constructively. The interest you could make would be scant compensation IMO.

 

OK. Update!
Cheque did not clear! I had to Ring the bank to find out and was told that the cheque was a dud. Thought as much!
BUT.......The issuing bank decided to debit my account of £25.41 (Which left it overdrawn on an account that i just opened)for the pleasure.
Luckily, because of the letters i wrote and speaking to my bank through this saga they wrote it off.
I duly sent an e-mail to this mohammed saying cheque cleared and am now on a wind up!
I am awaiting a visit

 

As we all suspected it would (or wouldnt)

you are luckily one of the few who has survived, many others loose out...


my biggest worry at the moment is if these scams are seen by minors

they may think i,ll help out mum and dad and bank the £30 mill on offer the money will help them take me to disney etc...

if they can dupe adults daily,,,, it dosent bear thinking about



Mart

 

I would recommed you be careful with the wind up !!

Cheers

Robert

 

Arrange for him to collect it from wherevever the Scooby Ball is going to be that way you would have plenty of Back up