Buyer has paid finance off but disappeared
Discussion
gizlaroc said:
Roo said:
Just had a quick chat with the wife.
If the agreement was paid off using a fraudulent debit card, there's a lot of Aussie ones being used for this at the moment, the cardholder has got 120 days to notify their bank and get the money back.
If it's been done via a hacked/ corrupted bank account they've got six years.
I agree, there is no way that if 'your' account was paid using fraudulent monies they wouldn't claim it back from 'you'. If the agreement was paid off using a fraudulent debit card, there's a lot of Aussie ones being used for this at the moment, the cardholder has got 120 days to notify their bank and get the money back.
If it's been done via a hacked/ corrupted bank account they've got six years.
In which case this is all a bit fairy tail.
Edited by m4tti on Friday 17th October 20:43
Edited by m4tti on Friday 17th October 20:44
List of chaps members here.
http://en.m.wikipedia.org/wiki/CHAPS
No bank of Nigeria.
The money would be coming from a legitimate source, which would have verified their client. This sounds a little bit of a fantasy unless the OP posted wrongly.
|http://thumbsnap.com/a9aQwLSc[/url]
http://en.m.wikipedia.org/wiki/CHAPS
No bank of Nigeria.
The money would be coming from a legitimate source, which would have verified their client. This sounds a little bit of a fantasy unless the OP posted wrongly.
|http://thumbsnap.com/a9aQwLSc[/url]Edited by m4tti on Friday 17th October 20:55
Edited by m4tti on Friday 17th October 20:56
The OP us about to get rinsed for £15k by the finance company one they realise it was paid with stolen funds.
OP, you really must listen to the sensible people on here. Ring the finance company and get them to unwind what has been done. You WILL end up the loser here if you do what you're proposing. THEY WILL COME AFTER YOU FOR THE MONEY.
Anyone that stupid after all this advice deserves to be rinsed. Call it a 'Stupid Tax'
OP, you really must listen to the sensible people on here. Ring the finance company and get them to unwind what has been done. You WILL end up the loser here if you do what you're proposing. THEY WILL COME AFTER YOU FOR THE MONEY.
Anyone that stupid after all this advice deserves to be rinsed. Call it a 'Stupid Tax'
One could re-write this whole story from the buyers point of view, if one did that it could look like you "the op" is the scammer here 
Something about this tale does not add up. ?
Something about this tale does not add up. ?
Edited by cold thursday on Friday 17th October 21:25 for poor grammar
Edited by cold thursday on Friday 17th October 21:35
Funk said:
The OP us about to get rinsed for £15k by the finance company one they realise it was paid with stolen funds.
OP, you really must listen to the sensible people on here. Ring the finance company and get them to unwind what has been done. You WILL end up the loser here if you do what you're proposing. THEY WILL COME AFTER YOU FOR THE MONEY.
Anyone that stupid after all this advice deserves to be rinsed. Call it a 'Stupid Tax'
He won't get rinsed for 15k if what he's telling is the truth. OP, you really must listen to the sensible people on here. Ring the finance company and get them to unwind what has been done. You WILL end up the loser here if you do what you're proposing. THEY WILL COME AFTER YOU FOR THE MONEY.
Anyone that stupid after all this advice deserves to be rinsed. Call it a 'Stupid Tax'
Read my above post. If it was paid by chaps the financial institution that made the chaps payment to the finance company would have had to verify the source of the clients funds. They are trained to spot patterns of deposits and transactions, by completing compliance training annually. If this has genuinely come from a CHAPS member the op has little to worry about unless the account holder making the chaps payment has somehow circumnavigated the controls in place. Even then it would be the financial institutions failure.
Hence I don't believe it.
m4tti said:
soad said:
TheHound said:
Yes it can be an African based scam... for example, they steal/hack the bank details of a UK based person/company and access their online banking and then make the payment from that account.
Afraid not... That's not a CHAPS payment then is it!!!Edited by m4tti on Friday 17th October 21:39
m4tti said:
TheHound said:
Yes it can be an African based scam... for example, they steal/hack the bank details of a UK based person/company and access their online banking and then make the payment from that account.
That's not a CHAPS payment then is it!!!For example http://www.business.natwest.com/afb/public/nwb/AFB...
Edited by TheHound on Friday 17th October 21:44
So the story now is that a high net worth client has had their bank account hacked and a chaps payment has been made to a new recipient without the institution contacting the individual making the payment via chaps, which they will be charged for.
See my post above about irregular payments and compliance.
It becomes more fantasiful by the second. Check my profile.
See my post above about irregular payments and compliance.
It becomes more fantasiful by the second. Check my profile.
Edited by m4tti on Friday 17th October 21:52
Edited by m4tti on Friday 17th October 21:53
m4tti said:
So the story now is that a high net worth client has had their bank account hacked and a chaps payment has been made to a new recipient without the institution contacting the individual making the payment via chaps, which they will be charged for.
This is a bit embarrasing for you considering you work in the banking industry isn't it...Please refer back to my post, I also said SMEs (not to mention larger organsitaions), and it is possible their account could get hacked. This coupled with the fact the they probably only get billed monthly/quarterly (and possibly they make many CHAPs payments per month) it would be reasonable to assume the charge may not have been flagged up yet.
This probably wasn't what happened and I am not suggesting it is, I was merely pointing out how an african based scam could be possible. Remeber you said it couldn't be!
Edited by TheHound on Friday 17th October 21:58
TheHound said:
This is a bit embarrasing for you considering you work in the banking industry isn't it...
Please refer back to my post, I also said SMEs (not to mention larger organsitaions) and there account could easily get hacked. This coupled with the fact the they probably only get billed monthly/quarterly it would be reasonable to assume the charge may not have been flagged up yet.
This probably wasn't what happened but it just goes to show how an african based scam could be possible, remeber you said it couldn't be!.
Not embarrassing for me at all, I've explained above. Please refer back to my post, I also said SMEs (not to mention larger organsitaions) and there account could easily get hacked. This coupled with the fact the they probably only get billed monthly/quarterly it would be reasonable to assume the charge may not have been flagged up yet.
This probably wasn't what happened but it just goes to show how an african based scam could be possible, remeber you said it couldn't be!.
Trust me it's highly unlikely, in the region of 90% unlike but there's lots of smart people in the Far East, who maybe able to complete the 10% chance of this story.
The highest probability are the details are wrong or it's bulls
tRoo said:
m4tti, did you miss the point about a hacked/corrupt account?
No, if you read my post I said there maybe a 10% chance of a high net worth clients online account being hacked. I still feel the series of events is unlikely unless the details are wrong and it's been transferred via bacs.
As others here's have mentioned the police would sort this out quickly, and if it was reported to the finance company as a fraudulent transaction then their due diligence would also determine who made the payment.
Edited by m4tti on Friday 17th October 22:48
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