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The Bar For non Automotive Related Chat |
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#1 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,824
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Not a regular “Have I just been scammed?” type scenario.
Long story short, a customer owes me quite a bit; their first invoice. They indicated yesterday morning, they’d transferred the sum, I received an email and barely glanced at it. As no payment was credited overnight, I looked harder at the email to confirm my correct account details. Yes, tick. But the email wasn’t actually payment advice, but a copy of a bank email sent to them saying “Payee information updated”. I’ve let it rest for today, but wondering if they have done this to buy time, so it looks like they sent payment the other day but in fact deferred restitution (presumably to fall in with their own finances) and will credit me today or over the weekend… Anyone experienced something like that? |
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#2 | ||
FG XR6 Ute & Sedan
![]() Join Date: Oct 2006
Location: Bibra Lake WA
Posts: 22,919
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Sounds like a possible scam to me too.
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regards Blue |
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#3 | ||
FF.Com.Au Hardcore
Join Date: Apr 2012
Location: Taromeo
Posts: 10,446
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Time to go for a "visit."
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#4 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Hervey Bay
Posts: 5,206
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Yep..it's just a scumbag customer trying to rip you off.
Dad did an $800 job for someone and they paid $400 deposit by transfer which Dad cited. When it came for final payment they sent him a screenshot of the confirmation screen, the one where you press "yes, send now", but cropped out the button so it looked like a transfer. Dad being the trusting idiot who didn't bother to check, provided the goods and only a week later wanted to know where the transfer was. When I saw the screenshot I immediately knew he was scammed. We contacted the buyer who feigned ignorance, said they sent it. We toyed with reporting to the police as fraud, but didn't follow through. They sent another $100 or $200 some months later. But Dad decided to just move on. |
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#5 | ||
FF.Com.Au Hardcore
Join Date: Apr 2012
Posts: 961
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Hmm
I delivered an invoice (and repaired machine ) to one of my clients this week. I’ve dealt with her a few times…. If I get an instalment to cover the parts, I’ll be grateful. At least she doesn’t pretend she’s paying!
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Steve Current rides 2012 Mondeo Titanium wagon (TDCI) Moondust silver 2016 Focus Trend, 1.5ecoboost, 6sp manual. Frozen white Previous 2004 Berlina Wagon (LS1) Vespers Blue 1995 Camry 2.2, white 1971 Ford Fairmont wagon 302w, C4 Polar white 1971 TC Cortina, 2L 4sp, Ermine white |
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#6 | ||
FF.Com.Au Hardcore
Join Date: Feb 2005
Location: Sydney
Posts: 546
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There’s a lot to be said in using one of simple card reading systems like Square - I’m sure there’s others. Do the work, customer scans their card on your phone, problem solved. You’ll pay a fee of 1.8%, but that’s cheaper than not being paid, or following up.
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#7 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,824
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Yes, card payment or a transfer right in front of me - or even cash(!) - would have been better!
Have suspended work until it’s resolved. Plenty else to go on with, just less lucrative - might get stuck into pruning my hedge! |
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#8 | ||
FF.Com.Au Hardcore
Join Date: Apr 2012
Posts: 961
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[QUOTE=Citroënbender;- might get stuck into pruning my hedge![/QUOTE]
Bloody hell! That sounds like work! “Yes dear! I’m onto it……”
__________________
Steve Current rides 2012 Mondeo Titanium wagon (TDCI) Moondust silver 2016 Focus Trend, 1.5ecoboost, 6sp manual. Frozen white Previous 2004 Berlina Wagon (LS1) Vespers Blue 1995 Camry 2.2, white 1971 Ford Fairmont wagon 302w, C4 Polar white 1971 TC Cortina, 2L 4sp, Ermine white |
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#9 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,373
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I had to pay an invoice today to a previously unknown party. My bank sent me a SMS to verify a new payee and then an email to follow up.
It's possible that is what he forwarded you? It might be possible something similar could be done just by adding the new payee without paying but I don't know. Bank transfers are fairly quick these days so mine isn't even pending it is marked as actually transferred immediately but I guess that doesn't mean it has been credited to your account IDK ![]() |
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#10 | ||
Donating Member
![]() Join Date: Dec 2004
Location: QLD
Posts: 11,813
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A new payee I've found can take time to go through. I sold a car few weeks ago , Friday arvo took till monday to clear , apparently it is "working days "
In my case I knew it was good , sold to a mate . |
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#11 | ||
Experienced Member
Join Date: Sep 2006
Location: Australasia
Posts: 7,533
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When I have had bank transfers it can take a few days with new people, also depends on which bank you go through as to how quick they process payments.
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#12 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,824
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It’s come through overnight, not one of the “four pillars” or a NPP-aligned bank so was just a lag… Relief; work can resume tomorrow.
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#13 | ||
Al
Join Date: Feb 2015
Location: South Aus.
Posts: 1,698
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Osco is done almost immediately, most banks use it.
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#14 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Hervey Bay
Posts: 5,206
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#15 | ||
HUGH JARSE
![]() Join Date: May 2005
Location: Yap-Hoon
Posts: 21,494
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Try Paypal
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#18 | ||
praek tih kl jo kr
Join Date: Mar 2011
Location: Atwell W.A.
Posts: 1,649
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You can already see where this cashless economy is going to take us, dishonoured payments, pending transactions, fake payments, funds credited to wrong accounts, internet fraud, banks declining transactions, and plenty more problems, have you ever had to contact your bank when one of these things goes wrong
![]() Cash will always be King, instant and verified on the spot ![]() I'm glad it turned out he paid Citroënbender, nothing worse than when a customer stiffs ya. |
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#19 | ||||
Regular...with metamusal
![]() Join Date: Oct 2009
Location: Geeeloong
Posts: 6,373
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have had two 'pending' payments to "White Boots Spokane" of $18.55. queried it with the bank, but money was never taken & bank cancelled dispute.
Quote:
and you can also get a discount with cash. just watch out for the fakes. Quote:
are you paying as a normal payment? .. which means a small part goes to paypal, or a 'friends' payment.. which then means you can lose ya $ [from what i understand of it]. |
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#20 | ||||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Hervey Bay
Posts: 5,206
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Quote:
Work progresses on the basis of a cleared transfer or cash in hand, both are the same thing. With Okso transfers these days a transfer is almost always instantanous, same as taking the cash in the hand. But customer could have easy given CB a big FU follwed by the finger as they retreated into their house. Quote:
Also I don't know why businesses would give a discount on a transaction media that is infinitely more expensive to administer. From a business perspective I can understand why businesses favor EFT only, given how ridiciously expensive it is becoming to provide cash as a payment method. |
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#21 | |||
praek tih kl jo kr
Join Date: Mar 2011
Location: Atwell W.A.
Posts: 1,649
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Quote:
![]() I Have had 2 businesses, so I have been burned before on many occasions, its just cash now, if they don't like it they can go somewhere else I dont care, like they say, "A small few spoil it for the rest" |
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#22 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,824
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I’m only a third in, had the customer thought it clever to stiff me they’d have been looking for a tradesperson to take over a job at maximum entropy - a point barely passed just today - and a normal contractor would be suspicious about why someone did not continue.
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#23 | |||
Experienced Member
Join Date: Sep 2006
Location: Australasia
Posts: 7,533
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Quote:
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#24 | |||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Hervey Bay
Posts: 5,206
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Quote:
As I said, I'm not sure where cash would benefit this situation. In either situation the rules are the same, no funds = no work, its just the means on how the funds are dispersed. |
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#25 | |||
praek tih kl jo kr
Join Date: Mar 2011
Location: Atwell W.A.
Posts: 1,649
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Quote:
For you card payment may be great and you may never have a problem with it, but for me its a no brainer to just accept cash. I always offer discounts for cash, its either the price im asking in cash or double for card ![]() |
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#26 | |||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Hervey Bay
Posts: 5,206
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Quote:
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#27 | ||
praek tih kl jo kr
Join Date: Mar 2011
Location: Atwell W.A.
Posts: 1,649
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#28 | |||
FF.Com.Au Hardcore
Join Date: Jul 2005
Location: Melbourne
Posts: 6,891
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Quote:
![]() If people want to rip you off they will find a way, regardless of whether its cash or card. Can you spot a fake pineapple?
__________________
~~~~~~~~~~~~~~ Rides (past and present) Current: 2004 Ford Falcon 5.4L 3v Barra 220, Manual Past: Mitsubishi Sigma (m), Toyota Seca (m), Toyota Seca SX (m), Toyota Vienta V6 (m), Toyota Soarer 4L v8 (a), BA XR8 ute (m), T3 TE50 (m), BMW Z4 (m) AFF motto - If contrary views trigger, please use ignore button. ![]() |
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#29 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,824
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The main point of my thread was to find out whether an innocent looking email was a ploy to delay payment. If several people had piped up and said “Yes, the same happened to me”, I’d have been on the customer’s doorstep pronto.
But that didn’t happen, payment was rendered and they deserve the grace of presuming the delay was not their act. I don’t mind cash, but if I’ve carried receipted outgoings for a job, the incoming has to be above board as well. |
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#30 | ||
praek tih kl jo kr
Join Date: Mar 2011
Location: Atwell W.A.
Posts: 1,649
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