Could this be a scam? Am I missing something?

Wizard!

Hi all!

I have an advert in Fb Marketplace, where all the messages I have received in the past, where from scammers (except once).

This guy, wants to buy my product, he didn't bargain, and he is willing to pay P&H, to send it to his cousin, who lives in Dundalk, while he is from Belfast...

The whole story sounds fishy, but he agreed to wire the money to me, including postage cost, before I even post the item, via his bank and he asked for name and IBAN.

Is there a way to scam me, if I see the money on my account, before I go to the post office?

Is there anything he can do with my name/IBAN ?

Kimbot

To me if it seems fishy then back away and that seems very fishy as postal price difference isnt too much more to go to belfast depending on weight etc.

Nigzcurran

The usual scam is to lie and say they didn't receive the goods and then get a refund via PayPal or however they pay

Oscar_Madison

https://www.boards.ie/discussion/comment/123701549#Comment_123701549

A bank transfer of cash though electronically directly into your bank account wouldn’t have the same protections .

OP- does seller have established feedback? I know it’s not a total sign of legitimacy but it’s a start.

Giving your iban to someone unknown could lead to attempted direct debit fraud - but you could also be targeted via a phishing attempt soon after you give that out so don’t be surprised

10-10-20

https://www.boards.ie/discussion/comment/123701549#Comment_123701549

That's not an option with a direct payment such as by IBAN as it's not protected by the bank.

https://www.boards.ie/discussion/2058421304/could-this-be-a-scam-am-i-missing-something

To me, it doesn't sound fishy just yet, I have pre-paid full price for items that I needed so that I could have the flexibility of arranging collection myself. It would be fishy if the item was common or easy to obtain though other sources through.
Providing an IBAN as a means of payment isn't unsafe, but it would become so if you were to also share personal details such as your address or birth-date, etc.

https://kanzlei-herfurtner.com/iban-fraud/

Is it dangerous to give out my IBAN?

Although the IBAN by itself is usually not sufficient to carry out fraudulent transactions, in combination with other personal information, such as your name, address or date of birth, it can enable fraudsters to impersonate you and carry out fraudulent transactions. Therefore, it is important to share your IBAN and other personal information only with trusted individuals and institutions and to be vigilant to prevent fraud.

standardg60

https://www.boards.ie/discussion/2058421304/could-this-be-a-scam-am-i-missing-something

The usual scam with this is they will create a 'receipt' showing a transfer from their acc. to your name and IBAN and email this to you. They hope you will send the item before you check your acc.

Just the fact that they are willing to buy the item unseen and without any haggling screams scam to me.

silliussoddius

In the US there is a payment app called Zelle. It's good, but for a while it was like a haven for scammers using Facebook marketplace, you get the offer and all's good and they ask if you use Zelle. However they will say there is an issue as they have a business version/or a business account that is blocked and needs some kind of action from you. You end up getting an official looking email, but they will asking you for a transfer which they say they will then send back, then they scarper.

On the face of it, your situation sounds ok. Asking for account details may imply looking for data, or he may try something like I mentioned above. Maybe send incorrect details and see what happens, if he's genuinely trying to transfer money then he'll say he can't make the payment. If it's a scam, he will ask for something else.

HappyLimpet

Could you use PayPal instead?

cj maxx

Every item I looked at on FB has been a scam , sorry .