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Secure For Seller


wakasaobama

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I want to get 38key CG on ebay.

I asked seller that "Can I pay by wired transfer?".

He said "hi I would prefer either cheque or paypal as this is more secure for me. I will find out the cost for postage to Japan".

I can't understand "secure for seller".

So, I stop bidding this time. :(

 

wakasaobama

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I think he's just ignorant, it may be he didn't understand 'Wired Transfer' to mean bank transfer and thought you were offering the untraceable 'Western Union' payment beloved of crooks.

 

There's no requirement to be well-informed and/or intelligent to start an Ebay account!

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There's no requirement to be well-informed ... to start an Ebay account!

For that matter, banking practices still vary greatly from country to country, so what may be commonplace/easy/cheap/fast/secure in one country may be unheard of/difficult/expensive/slow/unsecure in another.

 

At the end of the day, it is for the seller to indicate what payment methods are acceptable for them, allowing for the banking practices in their country, and possible problems they may have encountered in the past. After all, they're the ones running the auction! :(

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I think he's just ignorant, it may be he didn't understand 'Wired Transfer' to mean bank transfer and thought you were offering the untraceable 'Western Union' payment beloved of crooks.

There's "ignorant" and there's "ignorant". Different people use the same term to mean different things, and are often "ignorant" of each others conventions. The only way to be sure is to have a brief dialog with the seller to insure that you're talking about the same thing.

 

I think it is possible that the seller thinks "wire transfer" means Western Union or something similar, since a "telegram" is commonly known as a "wire". I have used the term "wire transfer" in communicating with people in England, only to discover that their term for an electronic interbank transfer was "money order". My experience in the US is that the term "money order" generally means a paper instrument, something similar to a prepaid bank check though not necessarily issued by a bank. (Most commonly they're issued by the post office. Those are known as "postal money orders".)

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post-979-1153610652_thumb.jpgThank you everyone. :)

 

I'm Japanese, so it's difficult for me to transaction by english.

I think ebay is dangerous zone.

I think Paypal and cash are not safe method.

(Of course wired bank transfer is not safe method.)

Paypal and (indirect transaction by) cash do not secure for buyer.

I know he has 6 transaction during 3 yeares on eBay.

But I can't resarch his transaction.

If I was living in England, I will met him and pay by cash.

 

I love concertina, so my daughter's name is "Tina".

I like anglo and duet concertina.

Recently I try to play duet by using cord, the sounds are gently.

And I try to play "Rosbif Waltz" and "Paddyrocker" (from Anglo international).

Anglo is dynamic sounds to use code.

I think these tunes need more than 30 keys.

So, I want to get 38keys.

 

Thank you consulting my issue. :lol:

 

wakasaobama

Edited by wakasaobama
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I think ebay is dangerous zone.

It can be, especially for the unwary. But I've completed more than 500 transactions on it and only been let down (completely) once, by a lady in the United States who didn't bother to send me the accordion I had paid her for. Mind you, she did get thrown off eBay over it, but I wanted that accordion (a rare 12-key melodeon) for my collection. :(

 

You do need to be cautious sometimes, and there is a lot of truth in the saying that "If it seems too good to be true, then it probably is" [too good to be true]. :huh:

 

However, if I had followed my own advice conscientiously myself (yes, I'm a hypocrite sometimes :rolleyes:), I wouldn't now have my beautiful, and extremely rare, amboyna wood Wheatstone Æola tenor-treble, which was a "Buy it Now" for only £800 on eBay last year:

 

Aeolatenor-treble31205.jpg

 

Though I really couldn't believe my luck until the postman delivered the parcel and it was in my hands ... :) :) :)

 

I think Paypal and cash are not safe method.

...

Paypal and (indirect transaction by) cash do not secure for buyer.

Cash is certainly not safe, unless you are collecting the item yourself (and even then you could get robbed!). But PayPal is actually much safer for the buyer than it is for the seller, and even more so if the PayPal payment is funded by your credit card. If there is a problem you can complain to PayPal, who will intervene and may refund you, or failing that your credit card might issue a refund.

 

It happened to me recently when I bought a banjo from a US seller, that was supposed to be in mint condition but turned out to have an old structural crack in it.

 

I love concertina, so my daughter's name is "Tina".

Like one of the famous Webb sisters (the "Fayre Four"), I see she's already practicing! ;)

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I love concertina, so my daughter's name is "Tina".
Like one of the famous Webb sisters (the "Fayre Four"), I see she's already practicing! ;)

So their performances were concertina Webb sites long before Concertina.net existed. :D

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Of course I have experience to pay by Paypal, postal money order and wired bank transfer.

I can't understand his reason "secure".

Would he have reason to protect his information for buyer?

 

wakasaobama

 

I suspect the seller is concerned about providing his (probably personal) banking information to a stranger. I didn't know anything about Wire Transfers, so I had a quick look on the Internet and it seems that Banks sending a Wire Transfer require the following sort of information about the recipient.....

 

* The Name of the person to whom you are sending the transfer (i.e. the Beneficiary)

* The Beneficiary’s Address

* The Account Number to which the funds you are sending will be credited

* The Name and Address of the Bank to which the funds are being sent (i.e. the Receiving Bank)

* The Bank Code of the Receiving Bank (this Bank Code is an 8-digit SWIFT code)

 

...so you've got the person's Name, Address, Bank name, and Bank account number - everything you need to perpetrate identity theft. I'm not really surprised that the seller is unhappy about providing this information - I wouldn't provide it either.

 

Large organisations get around the problems involved by having dedicated accounts that can only receive payments - making the information mainly useless to fraudsters. Individuals don't tend to have such facilities as a matter of course.

 

Obviously some other forms of payment, notably a personal cheque along with a delivery address, would give you a lot of the same information, but that just means that people should think a bit more about the information they give away when making a payment.

 

These methods of payment were developed before the Internet and it's wonderland of opportunities for the criminally minded. Services such as Paypal, Worldpay etc. that protect your private banking information should be considered essential when doing business online.

 

If you think I'm exagerating the potential for misuse of the above information - the following quote from the Metro - Richmond Fraud & Identity Theft Taskforce article dealing with a Wire Transfer variation of the popular "419" or "Nigerian Letter" scam and its consequences.....

 

....once the scammers have the victim's bank account information from the wire transfer, they can also use those numbers to create a "demand draft" and withdraw funds without confirmation and eventually drain the account.

 

At the end of the day, purchasing across the Internet requires a degree of trust. The question is - how much are you willing to give to a stranger?

 

- W

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...so you've got the person's Name, Address, Bank name, and Bank account number - everything you need to perpetrate identity theft.

"Everything"? Not with my banks.

 

If you think I'm exagerating the potential for misuse of the above information - the following quote from the Metro - Richmond Fraud & Identity Theft Taskforce article dealing with a Wire Transfer variation of the popular "419" or "Nigerian Letter" scam and its consequences.....

 

....once the scammers have the victim's bank account information from the wire transfer, they can also use those numbers to create a "demand draft" and withdraw funds without confirmation and eventually drain the account.

Interesting, but is it true? Before they will let money be transferred from my accounts, my banks -- both in the US and in Denmark -- require an authorizing signature from me. The one exception is for transfers initiated via the bank's home banking interface, which uses secure encryption and requires entry of a password, not once, but separately on more than one screen. And those transfers have limits placed on them, maximum amounts per transfer, per day, and even per month. Also, I had to sign separate agreements simply to authorize activation of that service

 

These methods of payment were developed before the Internet and it's wonderland of opportunities for the criminally minded. Services such as Paypal, Worldpay etc. that protect your private banking information should be considered essential when doing business online.

How are these any more secure than what I've described above? For someone else to hijack my PayPal account to pay themselves, it appears to me that all they would need are my PayPal id and password. So the PayPal id is roughly equivalent to all the bank, account, and personal information required for an electronic bank transfer, and a password is a password.

 

Meanwhile, I decided to do a Google search on "Metro-Richmond Fraud & Identity Theft Task Force". Google showed me grand total of 7 hits, and said "out of 42", which my experience suggests means seven distinct hits and another 35 which are duplicates of the seven. That seems awfully few for a consumer-protection organization. But it's worse than that, since the only one of those seven links that has any description of what this "Task Force" actually is or does is its own web site. Just who are these guys, anyway?

 

Their web site says,

"In October of 2004, the Metro-Richmond Fraud & Identity Theft Task Force was formed to develop a cooperative effort with various federal, state, and local law enforcement agencies, to address the growing problem of financial fraud and identity theft crimes."

But note what that statement does not say. It does not say that the "Task Force" was formed by a government, nor even at the request of any government. In spite of the words "Metro" and "Task Force" in its name, its web-domain extension indicates that it's a company (.com), rather than a government agency (.gov).

 

Their web site further says,

"The Metro-Richmond Fraud & Identity Theft Task Force has been charged with the investigation and prosecution of criminal offenses...."

But it doesn't say "charged" by whom. If particular governments had given it their authority to "investigate and prosecute" particular sorts of offenses, wouldn't they want to enhance their credibility by naming those governments? In fact, any lawyer has authority to investigate and prosecute criminal offenses, and can be "charged" to do so by a client.

 

What I've just said is not evidence either for or against the validity of their claim, but it does suggest to me that the true business of the "Task Force" might be either legal or consulting services -- not police work, -- and that they might benefit from convincing people that they need the Task Force's services, even if they don't.

 

All I've really done with this little exercise is to apply the same critical evaluation to the Task Force as I do to sellers on eBay. Frankly, I expected Google to find me much more information on the Task Force, even if some of it was unenthusiatic. To find almost nothing leaves me to wonder how a "law enforcement organization" (as they describe themselves) nearly two years old can appear to be completely unknown, with no reports from anyone who has dealt with them.

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...so you've got the person's Name, Address, Bank name, and Bank account number - everything you need to perpetrate identity theft. I'm not really surprised that the seller is unhappy about providing this information - I wouldn't provide it either.

But you give all that information if you pay by cheque, and provide a delivery address!

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I think Wakaobama is being a little unfair . Ebay is Ok if used with a little common sense, and in conjunction with this forum.I bought a concertina from him recently with no problems but the fact that he contributed to this forum made it easier for me to deal with him. :angry: :( :(

 

Dear Mr.Jeremiah O'connor

 

Hello.

I'm not concertina dealer. Concertina is my hobby.

Past day, I bought Lachneal English.

The seller (many trades & 97% positive on ebay) says steel reeds, action ok, clean.

But, the concertina inner side is covered by Fungi and almost blass reeds and vulves did not work order.

 

I felt that ebay is dangerous zone.

 

This time, I feel little bid suspesious to this seller.

Because he said "secure for seller" and he said "concert pitch".

But, he said "need for tuning".

So, I opened this thread for warning.

My purpose does not interfere this 38 key auction.

My purpose is to mind to buy every C.net people.

 

Past day, clever scummer sold concertina.

He show us new photos (But I have mighit see his photos before 2 or 3 years on ebay).

Fortunately, the buyer stop to deal after ending auction.

Always I thanks C net people.

Because they lead me concertina deep worlds!

 

wakasaobama :)

Edited by wakasaobama
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Sorry for the long reply to this one but I think that given the detrimental implication in the replies (i.e. I don't know what I'm talking about, or that I posted without at least a basic amount of checking my facts) a comprehensive response is required.

 

Please bear in mind that this reply refers mainly to only one type of the many forms of Identity Theft that one can fall victim to by releasing information to the wrong person.

 

...so you've got the person's Name, Address, Bank name, and Bank account number - everything you need to perpetrate identity theft. I'm not really surprised that the seller is unhappy about providing this information - I wouldn't provide it either.

But you give all that information if you pay by cheque, and provide a delivery address!

See my original post....

 

Obviously some other forms of payment, notably a personal cheque along with a delivery address, would give you a lot of the same information

 

 

...so you've got the person's Name, Address, Bank name, and Bank account number - everything you need to perpetrate identity theft.

 

"Everything"? Not with my banks.

Interesting, but is it true? Before they will let money be transferred from my accounts, my banks -- both in the US and in Denmark -- require an authorizing signature from me.

 

"Demand Draft fraud".....

 

extract from "PREPARED STATEMENT OF THE FEDERAL TRADE COMMISSION PRESENTED BY JODIE BERNSTEIN - DIRECTOR OF THE BUREAU OF CONSUMER PROTECTION presented to HOUSE BANKING COMMITTEE" in 1996 - from http://www.ftc.gov/speeches/other/ddraft.htm - capital letters are copied from website - it is not my intention to shout :)

 

Demand draft fraud, or the unauthorized debiting of a consumer’s checking account, is a growing problem. Currently, it is the favorite method of fraudulent actors for taking consumers’ money through fraudulent telemarketing and other scams........

 

How do these fraudulent actors steal consumers’ money through demand drafts? In a word, by lying. Many fraudulent actors persuade consumers, either over the telephone or through the mail, to divulge their checking account numbers by telling them that their bank account numbers are needed .....Little do consumers know that once they give fraudulent actors access to their bank account information, their money will disappear.

 

Once a consumer provides his or her checking account number, a fraudulent actor can generate a document that looks exactly like the checks in the consumer’s checkbook -- imprinted with the consumer’s name, address, phone number and, most importantly, the account numbers and the numbers necessary to route the draft through the banks’ check clearing system. The only difference is that in place of the consumer’s signature, there is a notation such as “pre-approved” or “signature on file.” The fraudulent actor deposits this draft the same as any conventional check, and in most cases it clears in exactly the same way as a conventional check; the lack of a handwritten signature is not a problem in processing it. This form of fraud is a very lucrative business. Based on our enforcement experience, the Commission estimates that at a minimum, demand draft fraud has already caused tens of millions of dollars in consumer injury.(6)

 

 

From the Arizona Attorney General's website "The Top 10 "Consumer Myths" at http://www.azag.gov/consumer/myths.html

 

8. People cannot take money directly from your checking account without your written authorization.

 

FACT: Merely giving someone your checking account number may result in their making withdrawals from your account. People can sometimes issue a "demand draft" to your bank, claiming you authorized the withdrawal, and the bank may pay it even though it lacks your signature. You may not know this has happened until you receive your next statement.

 

 

From the State of Maine Attorney General's Office at http://www.maine.gov/ag/?r=clg&s=chap28 .....

 

28.9. Automatic Checking Account Debit Scams

 

Consumers frequently report that they have had money automatically withdrawn from their checking account without their permission. These electronic withdrawals are part of an automatic debit scam. Never give out your checking account number. A telemarketer may ask you to read out all the numbers at the bottom of your check, saying this information is necessary to ensure you will qualify for the offer.....

 

 

...see also...

 

US Department of Justice at http://www.ojp.usdoj.gov/ovc/publications/...svf/appendd.htm

The Office of the Comptroller of the Currency - Administrator of (U.S.) National Banks at http://www.occ.treas.gov/chckfrd/chckfrd.pdf

Florida Attorney General's Office at http://myfloridalegal.com/pages.nsf/main/b...33;OpenDocument

Washington State Attorney General's Office http://www.atg.wa.gov/AskAG/AskAG_Wire_Tra...r_Scams_2006032

Connecticut Attorney General's Office http://www.ct.gov/ag/cwp/view.asp?A=2219&Q=295668

Mississippi Attorney General's Office http://www.ago.state.ms.us/divisions/consumer/myth.php

Maryland Attorney General's Office http://www.oag.state.md.us/consumer/tip11.htm

MSNBC article 2005 - http://www.msnbc.msn.com/id/7914159/

Association for Financial Professionals - October 2005 http://www.afponline.org/pub/res/news/ns_2...05_thieves.html

 

 

Meanwhile, I decided to do a Google search on "Metro-Richmond Fraud & Identity Theft Task Force". Google showed me grand total of 7 hits, and said "out of 42", which my experience suggests means seven distinct hits and another 35 which are duplicates of the seven. That seems awfully few for a consumer-protection organization. But it's worse than that, since the only one of those seven links that has any description of what this "Task Force" actually is or does is its own web site. Just who are these guys, anyway?

 

........If particular governments had given it their authority to "investigate and prosecute" particular sorts of offenses, wouldn't they want to enhance their credibility by naming those governments? In fact, any lawyer has authority to investigate and prosecute criminal offenses, and can be "charged" to do so by a client.

 

From the Metro-Richmond Fraud & Identity Theft Task Force's website page at http://www.fraudandidentitythefttaskforce.com/agencies.html entitled "Participating Agencies" - accessed by following the link entitled "Agencies" from the home page - the list is (capitals due to copying from website - not shouting) U.S. POSTAL INSPECTION SERVICE, U.S. DEPARTMENT OF TREASURY INSPECTOR GENERAL, CHESTERFIELD COUNTY POLICE DEPARTMENT, FEDERAL BUREAU OF INVESTIGATION, HENRICO COUNTY POLICE DEPARTMENT, RICHMOND POLICE DEPARTMENT, U.S. SECRET SERVICE, U.S. SOCIAL SECURITY ADMINISTRATION, U.S. DEPARTMENT OF JUSTICE, VIRGINIA ATTORNEY GENERAL, VIRGINIA STATE POLICE

 

.....But note what that statement does not say. It does not say that the "Task Force" was formed by a government, nor even at the request of any government. In spite of the words "Metro" and "Task Force" in its name, its web-domain extension indicates that it's a company (.com), rather than a government agency (.gov).

 

.....it does suggest to me that the true business of the "Task Force" might be either legal or consulting services -- not police work, -- and that they might benefit from convincing people that they need the Task Force's services, even if they don't.

 

......To find almost nothing leaves me to wonder how a "law enforcement organization" (as they describe themselves) nearly two years old can appear to be completely unknown, with no reports from anyone who has dealt with them.

 

 

 

On Google using the search term Metro-Richmond Fraud & Identity Theft Task Force - no quotes, and I got 88 results including...

 

from "Semiannual Report To The Congress Office of Inspector General - October 1, 2004 – March 31, 2005" at http://www.treasury.gov/inspector-general/...ts/octmar05.pdf

 

 

Office of Investigations Continues Participation in Multi-Jurisdictional Task Force to Combat Fraud

As reported in our last Semiannual Report, the Treasury OIG Office of Investigations along with other federal, state, and local law enforcement agencies joined together with the U.S. Attorney for the Eastern District of Virginia and the Attorney General for the Commonwealth of Virginia to form the Metro Richmond Fraud and Identity Theft Task Force in November 2004. The task force coordinates and integrates the ongoing efforts of the various agencies and task forces throughout the U.S. to fight the growing problem of fraud and identity crimes. By functioning as a repository of expertise and intelligence, the task force will improve the speed, quality, and effectiveness of law enforcement’s response to these types of cases.

 

 

from "The Police Chief Magazine" vol. 72, no. 3, March 2005 article by Lee R. Heath, Chief Postal Inspector, U.S. Postal InspectionService, Washington, D.C. at http://www.policechiefmagazine.org/magazin...;issue_id=32005

 

Some of our most recent identity theft task forces are in Washington, D.C., and Richmond, Virginia. In Washington, we have created an identity theft task force that comprises federal and county law enforcement agencies and several financial institutions. Our most recent task force is the Metro Richmond Fraud and Identity Theft Task Force, housed in our Richmond domicile.

 

This task force includes federal, state, county, and city law enforcement.

 

 

from a press release by the Richmond Police Department dated 31 May 2006 at the Official Website for the City of Richmond, Virgina at http://www.ci.richmond.va.us/departments/p...spx?seqNum=7091

 

"I am so glad we got these guys" said Detective Jennifer Musslewhite of the Metro Richmond Fraud and Identity Theft Task Force.

 

..see also...

 

Richmond Times - may 2006 http://www.timesdispatch.com/servlet/Satel...d=1137836045868

Virginia State Police Stamp Out Fraud Program at http://stampoutfraud.com/links.html

 

 

All I've really done with this little exercise is to apply the same critical evaluation to the Task Force as I do to sellers on eBay.

 

Perhaps you need to review the level of critical evaluation you apply?

 

 

How are these any more secure than what I've described above? For someone else to hijack my PayPal account to pay themselves, it appears to me that all they would need are my PayPal id and password. So the PayPal id is roughly equivalent to all the bank, account, and personal information required for an electronic bank transfer, and a password is a password.

 

It seems that you'd be willing to give me your full banking details just because I asked for them, but I doubt you'll give me your Paypal Id and Password as freely.

 

If you pay me through something like Worldpay I can only receive the amount you authorise to me unless I break through Worldpay's own security.

 

 

I hope this answers all your questions.

 

- W

 

Edited to clarify reply and to fix quoting problem

Edited by Woody
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Cash is certainly not safe, unless you are collecting the item yourself (and even then you could get robbed!). But PayPal is actually much safer for the buyer than it is for the seller, and even more so if the PayPal payment is funded by your credit card. If there is a problem you can complain to PayPal, who will intervene and may refund you, or failing that your credit card might issue a refund.

 

Dear Stephan Chambers

 

Hello, my teacher :lol:

 

I warried about you were absent from 2005 winter to 2006 spring.

I'm glad to meet you again on C. net.

 

I think PayPal Buyer Protection is up to (only) 500USD.

Most Jeffries price is over 5000USD.

So, I think Paypal is not safe.

 

Recently I see four ladys who play concertina and one of Lady name is Tina.

When I named my daughter "Tina", I didn't know them.

My daughter is 11 month.

When I play concertina, she takes her yellow concertina

(anglo, 2 notes, Jeffries layout?). B)

she looks her (music) picture book and play concertina. :blink:

I'm suprised her insight. (When I play concertina, I looks music sheet.) :rolleyes:

 

I'm jealous my daughter, because she knows concertina before birth.

But when I knew concertina, I was 41 years old. :(

 

wakasaobama

Edited by wakasaobama
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Sorry for the long reply to this one but I think that given the implication in the replies (i.e. I don't know what I'm talking about, or that I posted without at least a basic amount of checking my facts) a comprehensive response is required.

I'm sorry if that's how you interpreted my response, because it's not what I intended. I merely meant to illulstrate that the issues are more complex than might seem, and the "facts" one obtains can be contradictory.

 

Also I think my quoting's gone wrong somewhere - sorry about that as well :(

That might be the Forum software. When a post or a PM is "too long" -- though still shorter than the character limit it tells you that you have -- it refuses to format the quoting even when it's right. A couple of times when this has happened to me I've managed to demonstrate it by simply cutting the post in two and posting the two parts separately, without any change to the quoting tags. :(

 

"Demand Draft fraud".....

extract from "PREPARED STATEMENT OF THE FEDERAL TRADE COMMISSION PRESENTED BY JODIE BERNSTEIN - DIRECTOR OF THE BUREAU OF CONSUMER PROTECTION presented to HOUSE BANKING COMMITTEE" in 1996 - from http://www.ftc.gov/speeches/other/ddraft.htm

[details elided.]

The first thing I'd note is that that report is 10 years old. I would hope that some progress in addressing the problem has taken place in the past ten years, though I wouldn't bet my life on it.

 

But as far as I can tell, the situation described is one in which a bank allows itself to be deceived by a fraudulent order, and as such it should be the bank's loss, not the customer's. "Demand draft" or not, if the transaction is "unauthorized", then it's unauthorized. If that happens, it's the bank (or the bank's personnel) that's being suckered, not you, and if the bank tries to make you responsible for the loss you should consider filing a criminal complaint against the bank.

 

But there are also protections. It should not be necessary to provide all your account information to receive an electronic transfer. Accounts are now identified by IBAN codes. They're a European invention, but I believe all US banks use them, too. My small US bank uses them, even though it needs to use a bigger bank as an intermediary in international transactions, An IBAN code is a unique identifier for an account and includes the identity of the country and bank. It does not include name, address, etc. of the account holder. It is used as a destination address for electronic transfers. To the best of my knowledge, it is not used as an identifier for authorizing payment (it certainly isn't by my banks), so someone using the IBAN code to send an electronic transfer can't turn it around to initiate a payment from that account.

 

From the Florida Attorney General's Office at http://myfloridalegal.com/pages.nsf/main/b...33;OpenDocument
it is put on a "demand draft" and sent to the bank for payment. The draft contains your name, account number, and the amount, but does not require your signature.

I believe that legally, it does require your signature, at the very least on some paper on file with the bank in which you have authorized them to honor demand drafts. If you have not filled out and signed such a paper, then for the bank to honor a demand draft on your account is illegal. If you don't know whether you've signed such a paper, go check with your bank. If you have, without realizing what it was, insist on withdrawing the authorization.

 

Of course, I don't know all the details of all laws, so could I be wrong about this one? Many laws in many places do seem to be nonsensical, but consider the consequences if the payment of unauthorized "demand drafts" were legal: Then if someone managed to obtain the account information for 100 different accounts, they could walk into a bank with demand drafts against all of those accounts and simply insist that they be paid, and the bank would be legally obliged to pay them, and the police would have no right to intervene.

 

How are these any more secure than what I've described above? For someone else to hijack my PayPal account to pay themselves, it appears to me that all they would need are my PayPal id and password. So the PayPal id is roughly equivalent to all the bank, account, and personal information required for an electronic bank transfer, and a password is a password.
It seems that you'd be willing to give me your full banking details just because I asked for them, but I doubt you'll give me your Paypal Id and Password as freely.

My PayPal ID isn't hard to obtain. The security is in the password, and no, I won't give it to you... nor to anyone else. Similarly with the PIN code for my bank card. If someone took your bank card into your bank, would they be allowed to use it to withdraw money from your account if they didn't know your PIN code? How about if they didn't have your card, but just your name, address, and account number? Would your bank allow them to withdraw money from your account over the counter, without any signature or identification? Then why should they honor a "demand draft" from an unknown party?

 

The real danger these days doesn't lie in identifying one's account, but in giving out the associated security information: passwords, PIN codes, and the like. I have by now received hundreds of emails claiming to be from PayPal, saying they need me to update my account information and directing me to special web sites for doing so. Of course, to prove that I am the person duly authorized to update my account, I would have to use my password. But it's not really PayPal, and if I entered the information, then they would have my PayPal password and could use it to pay themselves from my account. Needless to say, I don't fall for the scam, but apparently many -- very many -- people do.

 

I get similar scam-spams regarding my "accounts" at various banks. These are most transparent, since they're banks where I don't have accounts. But they get sent to thousands -- maybe even millions -- of people, and at least a few of those will have an account at the bank mentioned and may even convince themselves that the fact the email was sent to them is evidence of its authenticity. :o

 

When all is said and done, I wouldn't give out my bank information to just anyone, anymore than I'd post in on a lavatory wall. But I have no qualms about giving it out to someone I expect to pay me for a purchase. Even in the unlikely event that it is actually someone intending to defraud me, I trust my banks to protect me from such abuse.

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I want to get 38key CG on ebay.

I asked seller that "Can I pay by wired transfer?".

He said "hi I would prefer either cheque or paypal as this is more secure for me. I will find out the cost for postage to Japan".

I can't understand "secure for seller".

So, I stop bidding this time. :(

 

wakasaobama

 

Hi

 

I wanted to respond to the above message as it is me who is selling the 38-key jeffries concertina on ebay. I have had a bad experience in the past with providing details for my bank account to allow payment by bank transfer thus why i would prefer payment by Paypal, cheque or cash if you are able to collect for me.

 

p.s I am a she and not a he

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