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 The Bird Lady
Posts: 6440
   
Location: The end of the Earth, SE AR | Okay, keep in mind I am very adamant about bank wire transfer. I want a secure safe no-scam deposit.
A guy messages me about one of our horses and wants to talk on the phone to me, so I call him and he says he, wants to buy her and is willing to make a deposit and pay in cash when he gets here. Agrees to signing a contract.
BUT
(there's always a "but" isn't there?)
He says and I quote "I don't have a bank here in South Carolina". I said "you can just call your bank" but he never replied to that.
So, he said, I can send a deposit "Western Union" and I thought "Oh lordie, that what the scam artists always do. I mentioned Walmart has a money transfer system and he said "Yes that's Western Union".
Now a horse will only leave our property without full payment over my dead body. And the guy says as soon as the weather clears next week he can come and get her.
So how should I accept the deposit?
Edited by rollingrfarm 2014-02-18 7:43 AM
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Hungarian Midget Woman
Location: Midwest | I thought Western Union was really safe to accept as a seller... you get cash, right?
I thought the scam was always that they would send you an overwrote check, and then you would have to send them the extra back via western union. The check they sent would be no good, plus you were out the money you sent them. But I could be wrong. |
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  That's White "Man" to You
Posts: 5515
| Wire transfer only, western unions are easily counterfit. |
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 Independent Cuss
Posts: 3978
Location: Dearing, GA | I had my parents transfer money to me via Wal-Mart when I lived out of state. It worked just fine and when you pick it up you get cash (or at least I did). No scams involved because when you go through Wal-Mart it's not like it gets deposited in an account or anything. It's just cash in your hand. |
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 Best of the Badlands
Location: You never know where I will show up...... | I have taken PayPal for deposits in the past. |
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 Hog Tie My Mojo
Posts: 4847
Location: Opelousas, LA | I would take the Western Union payment, they will pay you in cash when you pick the payment up, not sure what the problem is. You are more at risk of fraud when you send money Western Union, recieving is no problem. |
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Veteran
Posts: 247
Location: Crossfield Alberta | Can you do E-Transfers in the States. They are really simple and the money goes right into your bank account. I do them up here all the time.
Kim |
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 Expert
Posts: 3165
| i recently started using this...
https://squareup.com/?gclid=CIK10vHPxLwCFW1nOgodHF4AGg
very easy! reasonable fee's. |
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Hungarian Midget Woman
Location: Midwest | Whiteboy - 2014-02-11 11:34 AM
Wire transfer only, western unions are easily counterfit.
I thought that was only cashier's checks or money orders that could be counterfit. Can they counterfit Western Union as well somehow?
I'm just wondering for future reference |
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The Advice Guru
Posts: 6419
| I can wire transfer to anywhere in the USA, so I can't see why he can't.
I would contact western union and see what their policy is.
If he is going to be there in a few weeks, would it be bad to hold the horse without deposit just to safe guard yourself?
Or are there more people interested?
If you are suspicious already my other concern would be counterfeit money, I might ask him to meet me at the bank to have the cash verified.
I might be paranoid though |
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That's White "Man" to You
Posts: 5515
| barrelracr131 - 2014-02-11 11:46 AM Whiteboy - 2014-02-11 11:34 AM Wire transfer only, western unions are easily counterfit. I thought that was only cashier's checks or money orders that could be counterfit. Can they counterfit Western Union as well somehow? I'm just wondering for future reference
I think it must depend. Our local western union gives the person a check, they can then bring the check to the bank and cash it. The local store writes a number on the check so that we can verify that it was actually picked up at our local store. The problem is that there are tons of fake western unions check floating around. I guess if you picked the check up from the actual western union location it might be fine. But we will not accept western union check (without the local number) here at the bank without a minimum 5 business day hold, because so many have come back as fraud. |
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Hungarian Midget Woman
Location: Midwest | Whiteboy - 2014-02-11 11:55 AM
barrelracr131 - 2014-02-11 11:46 AM Whiteboy - 2014-02-11 11:34 AM Wire transfer only, western unions are easily counterfit. I thought that was only cashier's checks or money orders that could be counterfit. Can they counterfit Western Union as well somehow? I'm just wondering for future reference
That makes sense, thanks |
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 Extreme Veteran
Posts: 357
| I dont know how long you are planning to hold the horse but recently just bought a horse that was just a few hours from me and they wanted a down payment send that day and it was chirstmas eve. I just sent a personal check and they held it till I picked him up. I bought all cash with me and she gave my check back to me. Actually never even opened the envelope i sent. Never recommend taking a personal check from anyone but that worked out great for both of us.. |
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Cat Collector
Posts: 1430
| Could he not do an email transfer of the funds to hold the horse? I wouldnt trust western union but thats just me |
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Red Hot Cardinal Fan
Posts: 4122
| I think if your getting it directly from Western Union or the Walmart money center then you should be fine.
And for what it's worth, I work at a bank and we can not do a wire via authorization over the phone. The customer has to be in our branch and sign paperwork to do the transfer. So if he has a smaller bank, what he's saying may be accurate and he may not be able to do the wire. |
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I Really Love Jeans
Posts: 3173
Location: North Dakota | He wants to put a deposit and pay for the horse when he gets it, thats the trick! You will never get the payment and he has a horse for a small deposit price. If he wants the horse he needs to pay in full and come get the horse! If you let a horse go without all the payment good luck getting it later! To go after someone for non-payment costs more money! Sorry but you are being scammed!!!!!!! |
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The Bird Lady
Posts: 6440
Location: The end of the Earth, SE AR | angelica - 2014-02-11 1:16 PM He wants to put a deposit and pay for the horse when he gets it, thats the trick! You will never get the payment and he has a horse for a small deposit price. If he wants the horse he needs to pay in full and come get the horse! If you let a horse go without all the payment good luck getting it later! To go after someone for non-payment costs more money! Sorry but you are being scammed!!!!!!!
How do I get scammed - I don't understand your scenario?
After I get a deposit that's legit, he pays for the rest of the horse in cold hard cash when he picks it up. So unless the cash is counterfit, I don't understand how its a scam? Lastly, I never let a horse leave here without full payment. |
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Red Hot Cardinal Fan
Posts: 4122
| angelica - 2014-02-11 1:16 PM He wants to put a deposit and pay for the horse when he gets it, thats the trick! You will never get the payment and he has a horse for a small deposit price. If he wants the horse he needs to pay in full and come get the horse! If you let a horse go without all the payment good luck getting it later! To go after someone for non-payment costs more money! Sorry but you are being scammed!!!!!!!
???? In her original post it states, " he's wlling to make a deposit and pay in cash when he gets here".
The way I understood it, he's putting a deposit to hold the horse until he can come get it and pay for the remaining balance in cash. Am I wrong here? |
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 Undercover Amish Mafia Member
Posts: 9992
Location: Kansas | Most scams I've seen...they never actually contact you. Sounds like you spoke with the man.......Not sure if it is a scam...but that's my 2 cents.
I would tell him if he wants to make a deposit, than he needs to send a money order...or whatever else, like a money order from his bank |
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Hog Tie My Mojo
Posts: 4847
Location: Opelousas, LA | hoofs_in_motion - 2014-02-11 1:32 PM Most scams I've seen...they never actually contact you. Sounds like you spoke with the man.......Not sure if it is a scam...but that's my 2 cents.
I would tell him if he wants to make a deposit, than he needs to send a money order...or whatever else, like a money order from his bank
I have recieved fake USPS money orders, they were pretty good fakes, if I didn't regularly deal in USPS MOs I would not have known they weren't real. |
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