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How to proceed in the event of a false bank transfer.

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Mirian:
I have a friend whose client was pretending to be paying by bank transfer and the money never arrived and he consumed the service.

It is the first time that this has happened to my friend since generally she receives quite a few payments by bank transfer here and she does not know how to buy.

She doesn't have an account on this forum, she is asking me how she should act in this situation, she doesn't know if she should go to the police or not.

Could anyone advise on how to act in this situation? I'm a little lost on this topic because it's never happened to me.

MissBetty:
There's nothing the police will do. 

With bank transfers i make it very clear. The money must be in my account before the session begins.  So it's basically sent at the time they make the booking.  I will never accept a bank transfer on arrival for appointment.   I want to check my banking app on my phone to make sure its in.  I never trust anyone to show me a fake banking app page showing they've sent it.

I also never accept bank transfer Saturday and Sundays. Its because my bank don't credit them over weekends so I'd never know if its definitely gone through.  I make all weekend clients pay by credit card rather than bank transfer. 

Its sad but there's nothing your friend can do now regarding the money they lost.  Other than put a warning up with the guys phone number. Description and area etc.  So that others don't fall victim to his tricks. 

ladyofthemansion:
I would get your friend to join this forum.

Mirror:

--- Quote from: MissBetty on 17 March 2024, 03:37:41 am ---There's nothing the police will do. 

With bank transfers i make it very clear. The money must be in my account before the session begins.  So it's basically sent at the time they make the booking.  I will never accept a bank transfer on arrival for appointment.   I want to check my banking app on my phone to make sure its in.  I never trust anyone to show me a fake banking app page showing they've sent it.

I also never accept bank transfer Saturday and Sundays. Its because my bank don't credit them over weekends so I'd never know if its definitely gone through.  I make all weekend clients pay by credit card rather than bank transfer. 

Its sad but there's nothing your friend can do now regarding the money they lost.  Other than put a warning up with the guys phone number. Description and area etc.  So that others don't fall victim to his tricks.

--- End quote ---

I specify it has to arrive 2 hours prior to appointment time, I don't want to be fiddling in apps in the same room as the client potentially exposing each other to passwords, PIN numbers or risking signal problems.

A couple of banks also do not process until the following working day.

A warning is likely the only thing she can do, NUM, here, CE. NUM may also be able to give advice and or pass details to the police. Sometimes chancers do it to a few or do something they can follow up and any info could be useful.

Florence_Rose:
If it was me I would message the client with my bank details and say he has until certain time to transfer the money before I processed with informing the police and advising that non-payment voids the agreement and therefore can be classed as R. This may be enough to make him see sense and cough up. It may not. But that’s what I’d do.
Failing that then all she can do it report it everywhere and learn from this

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