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Author Topic: Deposits.  (Read 92638 times)

Mirror

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Re: Deposits.
« Reply #465 on: 06 September 2024, 11:13:00 am »
When I take deposits it's to secure the specific appointment being discussed. If the appointment doesn't go ahead due to something on their side (cancellation, ghosting, "confusion" etc) I keep the deposit. I'd only refund if I needed to cancel

So from my perspective he wouldn't have been entitled to a refund when he tried to change the nature of the booking to something you're not comfortable with. He could either go ahead with GFE or cancel and forfeit the deposit.  Similarly, he would need to pay a 2nd deposit to secure the new booking, you're still down the balance of the 1st booking so I wouldn't give him the chance to do the same thing twice and waste my time.

I am similar, one of the most annoying things I find is a booking is made - outfit/roleplay/specifics discussed then it changes several times. Also I have accepted bookings without any suggestion of the BDSM services I offer, then a week or so before he contacts me to ask for BDSM. I now ask for any specific requests before I accept the deposit, specify requests have to be made either at the time of booking or no later than 1 week prior.

However if he cancels because I won't or cannot do something he asks for after the deposit, he loses the deposit - hasn't yet happened but I would not refund.

What I sometimes do if a person has been straightforward when setting up the booking, if he cancels due to say having a cold or covid I may agree to transfer but require a second deposit. I then subtract both deposits from total to pay, but if he cancels both deposits are lost. This is due to me being understanding in the past, then the rescheduled booking is either cancelled or once again changed.

PassionFlower

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Re: Deposits.
« Reply #466 on: 06 September 2024, 11:52:49 am »
I am similar, one of the most annoying things I find is a booking is made - outfit/roleplay/specifics discussed then it changes several times. Also I have accepted bookings without any suggestion of the BDSM services I offer, then a week or so before he contacts me to ask for BDSM. I now ask for any specific requests before I accept the deposit, specify requests have to be made either at the time of booking or no later than 1 week prior.

I hate it when they do this, it feels like they've tied my hands!

I offer GFE, PSE & BDSM bookings but often don't allow clients to chop and change their style of booking as I'll have set aside time to prep for what they initially requested. I explain that to them, if I'm in the right headspace and have the time for their request I'll ask for an additional deposit; but 9 times out of 10 I'll decline and tell them we can do the extra stuff next time but I can't on this occasion

Boudoir

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Re: Deposits.
« Reply #467 on: 07 September 2024, 08:59:12 pm »
Thanks PassionFlower and Mirror, that's incredibly helpful and your thoughts have given me a better perspective on it than I had before. I'm going to decline his request for another booking.

If he asks about his deposit I'll tell him that he changed the nature of the booking and remind him that it was he who subsequently cancelled that booking. And block  ;D

Mirror

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Re: Deposits.
« Reply #468 on: 08 September 2024, 07:02:29 am »
Thanks PassionFlower and Mirror, that's incredibly helpful and your thoughts have given me a better perspective on it than I had before. I'm going to decline his request for another booking.

If he asks about his deposit I'll tell him that he changed the nature of the booking and remind him that it was he who subsequently cancelled that booking. And block  ;D

I do state the deposit is non-refundable, non-transferable. Still had a few ask me to move it, one tried to make out he thought 'non-transferable' meant I would bank transfer it back but would move it to another e.g. rescheduled booking. I had been very patient with this person when setting up this booking, it just took the P.

Boudoir

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Re: Deposits.
« Reply #469 on: 08 September 2024, 04:29:12 pm »
That's a really good point Mirror, I do need to tell them it's non transferable and non refundable before they pay it so I don't get in a pickle again wondering what to do.

Sweet_and_sour

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Re: Deposits.
« Reply #470 on: 30 September 2024, 06:00:34 pm »
Just a quick heads up
2 ladies that I know well have had bank accounts closed due to punters saying the deposit is fraud

Both had taken a deposit in one account
Transfered it to another account  and both accounts were frozen

In one case the lady got her personal account back up ( Lloyd ) when she proved the transactions using text messages but  had her business account closed

In the other lady’s account both accounts were frozen/ closed and when she tried to open another account they were all refused and she has a CifAs marker on her credit file

I would personally say if you transfer deposit money from one account to another then you need to get that out in cash in case your account is closed

In the last week I know of 3 ladies who have had similar problems with accounts being closed due to punters saying fraud / requesting a charge back

I agree with this. I usually take deposits from my incall location £10 or £20 via Amazon E-gift card as it’s anonymous and discreet and I don’t want all these no show address collecting tramps having my postcode I’d never give my business or personal bank details to a client as they can’t be trusted in my opinion. If you get one malicious client, he could report you to your bank as being a sex worker, claim charge backs, fraud etc and get your account closed. I use PayPal sometimes, but recently a client who paid for the booking via friends and family tried to make a claim against me. PayPal rejected his claim for a refund and my account was not deleted luckily. Since that incident I’m strictly cash only these clients can go fuck themselves. I’d never trust any of them.

One More Rodeo

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Re: Deposits.
« Reply #471 on: 07 October 2024, 06:34:08 pm »
New regulations about changes to authorised push payment scam claims are going to make it easier for people to claim a bank transfer was a scam.

Do you think this will increase the number of clients trying to claim chargebacks?


Another thing, if a bank suspects the payment may be a fraud, it will be delayed.

"In a related development which, in theory, will help protect people from APP fraud, bank payments will be able to be delayed by an extra three days if lenders suspect consumers are being scammed.

Under the new powers being given to high street banks by the Treasury, payments suspected of being fraudulent may be delayed and investigated."
(Guardian)
« Last Edit: 07 October 2024, 07:02:07 pm by One More Rodeo »

Mirror

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Re: Deposits.
« Reply #472 on: 08 October 2024, 06:31:20 am »
New regulations about changes to authorised push payment scam claims are going to make it easier for people to claim a bank transfer was a scam.

Do you think this will increase the number of clients trying to claim chargebacks?


Another thing, if a bank suspects the payment may be a fraud, it will be delayed.

"In a related development which, in theory, will help protect people from APP fraud, bank payments will be able to be delayed by an extra three days if lenders suspect consumers are being scammed.

Under the new powers being given to high street banks by the Treasury, payments suspected of being fraudulent may be delayed and investigated."
(Guardian)

I don't but I may be wrong.

The frauds as I understand them involve larger sums, complicated diversions.

One More Rodeo

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Re: Deposits.
« Reply #473 on: 13 October 2024, 12:01:40 am »
The frauds as I understand them involve larger sums, complicated diversions.

Not necessarily.
And I can totally see some scammers claiming we're the scammers. They would still need to prove their claims though.

What I think might happen is more of automatic fraud checks for bank transfers, and delayed payments.

This isn’t related to bank transfers, but recently I had a client whose bank blocked his payment for a gift card. Initially, I thought it was just the usual excuse when someone pretends they paid, but I actually believe him. It took him a few more hours and supposedly some calls to his bank, but eventually I received the gift card. It was only for £50.
What I think triggered the fraud prevention was that the purchase was from a gift card-only website, so I guess it was flagged as a security risk.

Mirror

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Re: Deposits.
« Reply #474 on: 13 October 2024, 10:05:35 am »
Not necessarily.
And I can totally see some scammers claiming we're the scammers. They would still need to prove their claims though.

What I think might happen is more of automatic fraud checks for bank transfers, and delayed payments.

This isn’t related to bank transfers, but recently I had a client whose bank blocked his payment for a gift card. Initially, I thought it was just the usual excuse when someone pretends they paid, but I actually believe him. It took him a few more hours and supposedly some calls to his bank, but eventually I received the gift card. It was only for £50.
What I think triggered the fraud prevention was that the purchase was from a gift card-only website, so I guess it was flagged as a security risk.

My question is how is a deposit transaction any different to any other person sending money to a friend, relative, buying from social media, or even paying for a service as many do every day?

Caligirl

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Re: Deposits.
« Reply #475 on: 13 October 2024, 10:16:36 am »
New regulations about changes to authorised push payment scam claims are going to make it easier for people to claim a bank transfer was a scam.

Do you think this will increase the number of clients trying to claim chargebacks?


Another thing, if a bank suspects the payment may be a fraud, it will be delayed.

"In a related development which, in theory, will help protect people from APP fraud, bank payments will be able to be delayed by an extra three days if lenders suspect consumers are being scammed.

Under the new powers being given to high street banks by the Treasury, payments suspected of being fraudulent may be delayed and investigated."
(Guardian)


I had this experience, not a chargeback thank goodness, but I had a deposit from a client to my revolut bank which was fine, when I arrived he sent over the rest of the fee to my bank. We both sat for about 15 mins waiting for it to arrive! He showed me his phone to prove he’d done it, I could as it was pending on his side. Anyway I decided that we get on with things and that hopefully it would go through during the deed. It didn’t! I was very anxious id been scammed, but part of me knew a man wouldn’t invite me to his family home if he was going to take the mick.
After a few more back and forth text, he rang his bank (post office) and they said that scam artists will text a bank transfer with small amount (my 20 deposit) and then take a bigger amount after, so they put a hold on his payment! Luckily they sent it through so all good, but from that experience I know only accept cash on arrival. Saves some headache! I do think this happened because I use revolut for this work but i don’t know for sure x

Mirror

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Re: Deposits.
« Reply #476 on: 13 October 2024, 11:24:59 am »

I had this experience, not a chargeback thank goodness, but I had a deposit from a client to my revolut bank which was fine, when I arrived he sent over the rest of the fee to my bank. We both sat for about 15 mins waiting for it to arrive! He showed me his phone to prove he’d done it, I could as it was pending on his side. Anyway I decided that we get on with things and that hopefully it would go through during the deed. It didn’t! I was very anxious id been scammed, but part of me knew a man wouldn’t invite me to his family home if he was going to take the mick.
After a few more back and forth text, he rang his bank (post office) and they said that scam artists will text a bank transfer with small amount (my 20 deposit) and then take a bigger amount after, so they put a hold on his payment! Luckily they sent it through so all good, but from that experience I know only accept cash on arrival. Saves some headache! I do think this happened because I use revolut for this work but i don’t know for sure x

There can be delays with payments even if they don't think it's fraud and or issues with apps, online banking software, phone signal. This is why I stipulate transfers must arrive no later than 2 hours before the booking. I have done the anxious waiting and trying to get enough signal, wastes my time and theirs.

One More Rodeo

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Re: Deposits.
« Reply #477 on: 13 October 2024, 11:56:29 am »
My question is how is a deposit transaction any different to any other person sending money to a friend, relative, buying from social media, or even paying for a service as many do every day?

They are no different but as mentioned previously in this thread deposits taken by bank transfer can be reversed. (Not sure on what basis, an unauthorised transaction?)
So I'm thinking, with these new regulations regarding authorised push payments, it would add another option to claim their money back.
They could claim that they were scammed. What kind of a scam, I don't know. Maybe a romance scam (I thought it was love but then she asked me for money... :D)


I do think this happened because I use revolut for this work but i don’t know for sure x

Yes, I think bank transfers to challenger banks (Revolut, Starling, Tide etc) could potentially trigger additional security checks.