Dodgy or what?
Author
Discussion

t1grm

Original Poster:

4,657 posts

315 months

Thursday 27th March 2003
quotequote all
I’ve been trying to sell my boat for a while now and have finally found a buyer. He’s from Northern Ireland (boat’s on the South Coast, UK) and he wants to buy it on spec having only seen some web photos, for 8.4K. So, he says he’s going to transfer the money straight into my account. As soon as it’s cleared I can send him the documentation and he’s got a guy that’ll take the boat to Liverpool docks and he’ll have it shipped to NI from there. This all sounds a bit too easy.

So anyway I give him my account details (name, number, sort code) so he can transfer the funds. Today I get a call from him saying he wants to do the transfer today but his bank need some ID from me before they’ll do the transfer e.g. passport or driving license. At first I though this was a bit unusual but I said fine no problem. However about 30 secs after I put the phone down the penny dropped and I realised my passport and driving license have my signature on them. So if I send these he has my account name and number, sort code and a copy of my signature. In other words unlimited access to my bank account. Needless to say I haven’t faxed him anything.

Now I don’t think I’m being unusually paranoid here but this looks like it’s got scam written all over it. So I’m going to phone him back and explain my concerns and ask for a cheque instead. If he’s genuine he shouldn’t have a problem. Obviously I’ll wait for the cheque to clear before handing over the boat. I’ve never had to get ID from the beneficiary when transferring money and I’ve transferred larger amounts than this on several occasions. Has anyone else heard of anything like this?

JMGS4

8,933 posts

301 months

Thursday 27th March 2003
quotequote all

I’ve been trying to sell my boat for a while now and have finally found a buyer. He’s from Northern Ireland (boat’s on the South Coast, UK) and he wants to buy it on spec having only seen some web photos, for 8.4K. So, he says he’s going to transfer the money straight into my account. As soon as it’s cleared I can send him the documentation and he’s got a guy that’ll take the boat to Liverpool docks and he’ll have it shipped to NI from there. This all sounds a bit too easy.

So anyway I give him my account details (name, number, sort code) so he can transfer the funds. Today I get a call from him saying he wants to do the transfer today but his bank need some ID from me before they’ll do the transfer e.g. passport or driving license. At first I though this was a bit unusual but I said fine no problem. However about 30 secs after I put the phone down the penny dropped and I realised my passport and driving license have my signature on them. So if I send these he has my account name and number, sort code and a copy of my signature. In other words unlimited access to my bank account. Needless to say I haven’t faxed him anything.

Now I don’t think I’m being unusually paranoid here but this looks like it’s got scam written all over it. So I’m going to phone him back and explain my concerns and ask for a cheque instead. If he’s genuine he shouldn’t have a problem. Obviously I’ll wait for the cheque to clear before handing over the boat. I’ve never had to get ID from the beneficiary when transferring money and I’ve transferred larger amounts than this on several occasions. Has anyone else heard of anything like this?


Sounds a bit like the "nigeria" scam that was doing, is doing the rounds!!!

CarZee

13,382 posts

298 months

Thursday 27th March 2003
quotequote all
sounds like you're 100% on the ball here (albeit 30 secs after you put the phone down - but isn't that always the way.. ?)

Hates_

778 posts

284 months

Thursday 27th March 2003
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And probably best you don't. If he's legit then he wont mind sending a cheque.

TUS 373

5,237 posts

312 months

Thursday 27th March 2003
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Get a banker's draft - that's the safest thing to do.

polar_ben

1,413 posts

290 months

Thursday 27th March 2003
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Sounds fg dodgy to me. I've been wiring money all over the place in the last 2 weeks & have never heard of anything like that...

moleamol

15,887 posts

294 months

Thursday 27th March 2003
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I'd still be worried about what he might be able to do with the details he's got. Can he do anything? anyone a bit more clued up on the world of banks care to enlighten us?

summs

151 posts

314 months

Thursday 27th March 2003
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I suggest you call plod. This is bo-lacks and you might just save the next sucker from being stung.

s2ooz

3,005 posts

315 months

Thursday 27th March 2003
quotequote all
same here, I have strong connections in banking, and all you need is a bank account number and sort code.
dont even give out the 16 digit number on your cards.

sparkey

789 posts

315 months

Thursday 27th March 2003
quotequote all
It's seems well dodgy. What would the bank do with your ID ??? Unless the "purchaser" looks a lot like you it can't prove anything.

I've donemoney transfers before and if you're putting money into someone elses account you don't need thier ID, just the account details.

If he insists that this is what the bank wants then ask him which bank and branch he is using and send your ID directly to them with instructions that they should not be passed on to anyone else.

S..

t1grm

Original Poster:

4,657 posts

315 months

Thursday 27th March 2003
quotequote all
I think… famous last words… we’re all wide of the mark here. Just phoned my bank to ask their opinion and they told me the money’s already in my account! So maybe I was being paranoid. I told the guy on the phone my story and the only thing he could suggest is that there may be rules in place in NI directed towards paramilitary money laundering that require the ID. Or maybe the seller just wanted ID to make sure I wasn’t pulling a scam on him, although he did say his bank requested the ID. SO just got to wait for the deposit cheque to clear and it’s a done deal.

shnozz

30,678 posts

302 months

Thursday 27th March 2003
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sounds as dodgy as a Northern France insurer to me.

nicholasblair

4,111 posts

315 months

Thursday 27th March 2003
quotequote all
He's at the lash. Shouldn't need any of your details at all - only sort code and account number. Unless the Irish banks have some sort of laundering check on their accounts, but the money would now be 'clean' as it's in one of their accounts already.

size13

2,033 posts

288 months

Thursday 27th March 2003
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Soooo Dodgy it's not worth thinking of something whitty to say about it!
He put put the money in and then take more out! Ask him which bank it is and say you would rather deal direct with them about it.

>> Edited by size13 on Thursday 27th March 15:30

gnomesmith

2,458 posts

307 months

Thursday 27th March 2003
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This is a well known scam, once they have all of your details they sign you up for a Max Power subscrption.

Be afraid, be very afraid!

tuffer

9,019 posts

298 months

Thursday 27th March 2003
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Its the well known Irish Banking scam, he will get all the details then remortgage his house and transfer the funds into your account. (sorry to all the irish) (no im not)

Buffalo

5,487 posts

285 months

Thursday 27th March 2003
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The very least you should do is ring your bank and ask them to notify you immediately if any large sums are attempted to be removed in the next 'x' number of weeks....

When i paid for my car (similar money but not as much) it was done over the phone, bank details to bank details (as in account number and sort code only) name, address etc i have never heard being needed. If insistent for want of passport, say you will take it into a branch of their bank, they will photocopy it and mark it as an official copy and send it direct to the buyers bank. No middle men, no fiddles.

Are we all paranoid? Maybe, but so many of those nigerian scams have been around lately it makes you wonder....

dick dastardly

8,326 posts

294 months

Thursday 27th March 2003
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I have sold things before and given people my name, bank account, sort-code and bank address. Is there any way that they can do anything with these other that for transferring money my way?

funkihamsta

1,261 posts

294 months

Thursday 27th March 2003
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Account number and sort code will only allow deposits surely. If not, combined with that bloody Direct Debit debacle, l'll be sticking my money under my bed sharpish alright?

Buffalo

5,487 posts

285 months

Thursday 27th March 2003
quotequote all
Have just thought - maybe we were a bit alarmist, after all everytime you buy anything online/over the phone, you have to give your name and address, postcode etc....

So probably is legit - it was just the ID bit that threw me - and he does say the cash has been deposited now....

Hope so anyhoo!!