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Giving out bank details? - Page 4

post #31 of 41
Your sort code defines the bank branch, your account number obviously defines your account. It's the basic unique details of your account.

It's standard practice to use these to make a deposit into an account. There's nothing at all to be concerned about, as these details aren't nearly enough to do anything remotely fraudulent with.

As someone has already mentioned, without your legit bank card, or a cash book, you can't make a withdrawl, or set up any kind of money transfer.

It's like the buyer saying "I'd really like to buy these things from you, but I don't feel comfortable giving out my address"

One more note: paypal is going to charge you for the priviledge of appearing to give you something that you are entitled to for free. If you have evidence (via PM's on here, for example) that you have sold an item, then someone somehow apparently scams you out of all your savings, then fraud has been committed, and this is a matter for the Police. There's a whole section of our law-enforcement that are trained to deal with such cases. In most cases, Paypal will drag their feet, and will rarely do anything helpful.
post #32 of 41
Don't do what you are not comfortable with. I could tell a good number of true stories about the payment plans presented to me by some sellers here (I am always a buyer, never a seller).

About the comment regarding a bank not being able to stop a transaction, here is the story. If you setup a payment plan for a bill to be paid out of your account it is very hard to shut one of these payment plans down. Simply calling the bank will not work (I tried,my bank is Bank of America, biggest bank in America).It used to be that you had to close the account to stop a payment plan that you had setup (this is why collection agencies love to get these setup) but now BofA warns not to close an account that you have a payment plan setup on, not before you talk to the bank.
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post #33 of 41
Quote:
Originally Posted by Zmanster View Post
I never write checks. All my banking is done online. As such, although electronic checks carry your routing / checking account #s, I only use them to pay reputable companies (credit card, utility, mortgage, etc.). I never give out my banking info to individuals.
Here are my routing numbers: 121042882, 121000358

Steal my bank account money.
post #34 of 41
Quote:
Originally Posted by Riou View Post
Here are my routing numbers: 121042882, 121000358

Steal my bank account money.
Here's everyone's routing number: http://www.routingnumbers.org/
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post #35 of 41
Quote:
Originally Posted by PCCstudent View Post
Don't do what you are not comfortable with. I could tell a good number of true stories about the payment plans presented to me by some sellers here (I am always a buyer, never a seller).

About the comment regarding a bank not being able to stop a transaction, here is the story. If you setup a payment plan for a bill to be paid out of your account it is very hard to shut one of these payment plans down. Simply calling the bank will not work (I tried,my bank is Bank of America, biggest bank in America).It used to be that you had to close the account to stop a payment plan that you had setup (this is why collection agencies love to get these setup) but now BofA warns not to close an account that you have a payment plan setup on, not before you talk to the bank.
In this case, the BofA needs a serious overhaul.

There's absolutely no way I'd sign up for an account with someone who would deny me full access to the control of my own money
post #36 of 41
I am of the opinion that while automatic payment plans are convienient, they are too hard to back out of and you don't usually find this out till you try to stop one. I can remember bank rules from 20 years ago where it would be 15 days before I had access to money my wife sent to me here in the states from our home in Switzerland. At least those days are over with.
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post #37 of 41
you can always do a postoffice garenteed cash order thing.

but yeah... give you name sort code acc number and bank name....

i did that a few times already on ocn...... or open yourself a paypal acc... it is free and easy ish... then when u have done that, verify your acc ... then you can buy stuff online with ur paypal as well.
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post #38 of 41
Quote:
Originally Posted by dave12 View Post
With a routing and account number from a checking account along with a merchant id they can transfer out after depositing in. Or at least that's how I do it.
I use Wachovia, and they need more information than just those numbers for withdrawal. I need to have my ID on me to match my name on the account, and if it's a high enough withdrawal, the signature needs to match as well.

Also, a Card + PIN is required in most cases.
Edited by cubanresourceful - 6/10/11 at 7:43am
post #39 of 41
Thread Starter 
think we're just gonna do a paypal transfer now, thanks all for the advice!
post #40 of 41
XSS. Anyone remember a few blokes who made money with XSS and a couple of banks websites that was hit. One bloke made a crafty url everytime you click on it you transfer $1000 to his account without knowing it. It took the bank sometime to discover it.
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