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Hello
I’m looking for some advice.
We recently purchased a PlayStation for my son for Christmas from the retailer GAME. He then changed his mind and wanted an XBOX. We noticed on the receipt for GAME that it stated we couldn’t get a refund and would only be given a credit note or an exchange. Due to the fact that they didn’t have the XBOX with the offer that we wanted we decided to sell it privately.
We did so on FACEBOOK market place. We had a person messaged us and state the his son was interested, so we supplied him with our telephone number. He called us and said that he was going to transfer the £480 into our account. We stated that we wouldn’t let the console go until the funds had cleared. He was happy with that and said he wouldn’t expect to. Everything seemed good.
He called back confirming that he had transferred £500. We informed him that he had transferred too much money as it was only £480 so we would give him £20 back. He said its ok don’t worry about it. I said no give me your details and we will transferred the money. He said ok and that was it.
The money at this time hadn’t transferred and he said that it could take up to 2 hours. It went right to the 2 hour mark and then it hit our account. He text saying the money had hit as he has spoken with the bank. We didn’t see the text straight away and then noticed the text about 5 minutes after him sending. He said “please don’t do this to me. I work hard for my money and its all the money I have got. It’s for my sons Christmas present”. We wouldn’t rip him off. We just didn’t see the messages straight away. That tugged on our heart strings and both my wife and I thought. That’s so sad that people do this to people at Christmas. Anyway. We called him and said the console is ready to collect when you are.
He come to our house and we told him that we had bought it for our son and that he had changed his mind. He said, kids huh and that it was for his son. We did the transaction on our door step Infront of our ring doorbell. We have the whole thing on camera. He was happy and went back to his car.
We then transferred the money from my wife’s starling account into mine as we thought every was ok.
Then yesterday we had an email from the bank stating that the payment had been disputed and reported as fraud. The bank have placed both my wife’s account and my account on hold while they look into this.
We supplied them with the video of the transaction on our door step, the text messages between my wife and the guy purchasing the console and they don’t know when our accounts will be re activated.
Please can someone tell me where I stand. They can clearly see me giving him the PS5. He pleased the reference as ps5 on his payment. He is saying he is ok with the purchase. On the video you can hear me say that he sent too much money. He had sent £500 and we would give him £20 as he paid too much. There is a text saying his partner has transferred the money.
What happens next? Should we contact the police while the bank is still looking into this? Will the bank take the money back. What happens to all my money in my account if they close the bank account.
We have done nothing apart from be a victim of fraud.
What rights do I have if any and what is the normal outcome in situations like this.
I’m looking for some advice.
We recently purchased a PlayStation for my son for Christmas from the retailer GAME. He then changed his mind and wanted an XBOX. We noticed on the receipt for GAME that it stated we couldn’t get a refund and would only be given a credit note or an exchange. Due to the fact that they didn’t have the XBOX with the offer that we wanted we decided to sell it privately.
We did so on FACEBOOK market place. We had a person messaged us and state the his son was interested, so we supplied him with our telephone number. He called us and said that he was going to transfer the £480 into our account. We stated that we wouldn’t let the console go until the funds had cleared. He was happy with that and said he wouldn’t expect to. Everything seemed good.
He called back confirming that he had transferred £500. We informed him that he had transferred too much money as it was only £480 so we would give him £20 back. He said its ok don’t worry about it. I said no give me your details and we will transferred the money. He said ok and that was it.
The money at this time hadn’t transferred and he said that it could take up to 2 hours. It went right to the 2 hour mark and then it hit our account. He text saying the money had hit as he has spoken with the bank. We didn’t see the text straight away and then noticed the text about 5 minutes after him sending. He said “please don’t do this to me. I work hard for my money and its all the money I have got. It’s for my sons Christmas present”. We wouldn’t rip him off. We just didn’t see the messages straight away. That tugged on our heart strings and both my wife and I thought. That’s so sad that people do this to people at Christmas. Anyway. We called him and said the console is ready to collect when you are.
He come to our house and we told him that we had bought it for our son and that he had changed his mind. He said, kids huh and that it was for his son. We did the transaction on our door step Infront of our ring doorbell. We have the whole thing on camera. He was happy and went back to his car.
We then transferred the money from my wife’s starling account into mine as we thought every was ok.
Then yesterday we had an email from the bank stating that the payment had been disputed and reported as fraud. The bank have placed both my wife’s account and my account on hold while they look into this.
We supplied them with the video of the transaction on our door step, the text messages between my wife and the guy purchasing the console and they don’t know when our accounts will be re activated.
Please can someone tell me where I stand. They can clearly see me giving him the PS5. He pleased the reference as ps5 on his payment. He is saying he is ok with the purchase. On the video you can hear me say that he sent too much money. He had sent £500 and we would give him £20 as he paid too much. There is a text saying his partner has transferred the money.
What happens next? Should we contact the police while the bank is still looking into this? Will the bank take the money back. What happens to all my money in my account if they close the bank account.
We have done nothing apart from be a victim of fraud.
What rights do I have if any and what is the normal outcome in situations like this.
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