posted on December 29, 2003 06:02:56 AM new
Here is the gist of what he said:
He does not understand why there is a problem. On eBay Germany it shows payment options as: PayPal, check and bank transfer.
If you would like to take this matter up with eBay please do so. He can explain and prove his side of the situation. It is as he has explained to you several times.
He is not as arrogant as you think. He would like to purchase the items, and not as you say, that he would not like to puchase the items any more.
He thinks you are the arrogant person in this case since he followed all the eBay rules.
He says that if he will have problems with eBay because of this matter he will also be sure thaat you will get 20 negative feedbacks.
With sincere regards and have a nice day...
Looks like this is an honest mistake. Is it possible that those were the payment options in the pre-filled in part of this listing in german? If you would like my husband to take a look at the auction to see you can email me with item #'s at: xxxxx (husband is home with the flu today).
forgot to translate the ps: If you do not understand what is written here, it shows how arrogant you are with buyers.
[ edited by neglus on Dec 29, 2003 06:06 AM ]
[ edited by neglus on Dec 29, 2003 06:33 AM ]
posted on December 29, 2003 06:12:23 AM new
I just checked my own listings at ebay Germany and guess what I found? I found that I accept wire transfers! This is for sure an ebay problem! Look in the bottom left corner of your listing where payment options are spelled out. Here is what it says under my listing:
Akzeptierte Zahlungsmethoden
Der Verkäufer neglus bevorzugt PayPal.
Verrechnungsscheck
Überweisung
Siehe Artikelbeschreibung
PayPal (Die schnelle, einfache und sichere Zahlungsmethode.)
posted on December 29, 2003 06:22:48 AM new
Oh that is not good!
This is something eBay definitely needs to correct!
Edited to add: I just called my bank and spoke to the branch manager, since I am (to be totally honest) clueless about wire transfers. She told me that under no certain terms should I provide my account information to anyone I don't know. She said that he could withdraw every penny I have in my account, and there would be nothing I could do about it because I would have given him the information to do it.
I know some of you are going to argue that point, but take a minute to call your bank and ask what someone can do with the information you give them for a wire transfer - you may be surprised
__________________________________
If you had one phone call to make before you died, who would you call, what would you say, and why are you waiting?
[ edited by wgm on Dec 29, 2003 06:26 AM ]
posted on December 29, 2003 09:07:57 AM new
WGM - Sounds about right - it will probably also show that in your auctions on the Australian site because wire transfer payments are as common in those countries as PayPal payments are here.
Also - if you say that you accept Money Orders, the UK site will show that you accept Postal Orders which are not cashable in the United States.
BTW - Either you bank manager is a complete idiot who should be fired immediately or your banks security measures suck. How many times have you called your bank and asked to do a tranfer between accounts or an information change? Have you needed something other than your account name to do it? I know I have to provide my city of birth, birthdate and last four digits of my social. If the only thing someone needs to empty your account is the account number and routing number then why is printed on all of your checks? Can't anyone you write a check to empty your account? If you get bored - please ask your bank manager that questioln - I'm dying to hear the answer.
~~~ • ~~~ • ~~~ • ~~~ • ~~~
If it's really "common" sense, why do so few people actually have it?
posted on December 29, 2003 09:22:04 AM new
I guess I better update my TOS to state we do not accept wire transfers. That's really stupid of Ebay, but it does not surprise me!
posted on December 29, 2003 10:22:04 AM new
I agree with fenix.....your bank branch manager is as clueless about bank transfers as you are, and most on this board seem to be. For the last time, this is the safest way to get paid. There is 0 security risk in giving out your bank info to a stranger. As fenix says, it's all on every check that you write anyway. No one can get at your money with just these numbers. That's like saying that you tell someone that you have your valuables stored in safety deposit box #797 at Morgan National Bank on Main St. Does this mean that they can go get them. NO. They need the key, and your signature.
posted on December 29, 2003 10:23:40 AM new
Well, I looked at my auctions on the German site & it states that I accept wire transfers, so it is an eBay thing, alright.
I got curious & called my bank to see what wire transfers entail, and found it's really nothing to get my knickers in a twist over. There is no way a buyer could "clean out" my account. I was given the Bank of America routing number (a slightly different one is used for wire transfers than the one on my checks) to give a buyer wanting to do a wire transfer, and would also need to give my checking account number. Here is the only sticking point: BoA charges $15 for incoming wire transfers (& way more for outgoing ones, so I won't be sending any, I can tell you). But they told me that if the person sending me a wire transfers pays that fee on their end, I wouldn't have to pay it.
So I guess if I'm ever faced with a buyer wanting to do this, I'll do it--as long as they agree to pay the extra $15 to cover that bank fee....
edited toput a space between words..
Censorship, like charity, should begin at home; but unlike charity, it should end there --Clare Booth Luce
[ edited by bunnicula on Dec 29, 2003 10:24 AM ]
posted on December 29, 2003 10:30:32 AM new
I think you should email your buyer & apologize for the mix-up. Tell him you weren't aware that the German site stated you accepted wire transfers--that nobody here knew it! That should cool things down a bit. You might also explain that wire transfers aren't commonly done here for eBay sales.
I'd also check back with your bank & talk to a different rep and get the real skinny on wire transfers. Find out if your bank charges a fee for an incoming wire transfer & if so, tell the buyer he'd have to pay that fee. It could well be that it would be cheaper for him to use Wells Fargo Auction Payments... However--could part of the problem be that he doesn't have a credit card to use this way (or has maxed out his card)?
Hopefully you can both cometo an agreement over this.
Censorship, like charity, should begin at home; but unlike charity, it should end there --Clare Booth Luce
posted on December 29, 2003 03:56:39 PM new
SWALLOW YOUR PRIDE. SET UP THE ACCOUNT. THE ONLY ONE YOUR HURTING IS YOU. SO WHAT IF HE KNOWS THE ACCOUNT NO ECT. HE CANNOT ACCESS TO WITHDRAW ANYTHING WITHOUT YOUR PASSWORDS OR WHATEVER ELSE YOU PUT IN PLACE AS SECURITY.
HE THINKS YOUR AN ARROGANT .... PERSON ANYWAY.
I DO KNOW WHERE YOUR COMING FROM. BEEN THERE DONE THAT. BESIDES, YOU WILL THEN HAVE THE ACCOUNT TO RECEIVE PAYMENTS FROM OTHER PEOPLE LIKE HIM. I CAN GUARANTEE HE WILL NOT BUDGE. GOOD LUCK.
posted on December 29, 2003 08:07:42 PM new
Update on my darling, charasmatic buyer from Germany...
I called the main office of my bank and spoke to someone there. Apparently the branch manager I had spoken with earlier hasn't been on the job that long (I know, hard to tell, huh?). Even though I know squat about wire transfers (well, I know considerably more now, thank you very much ), the woman I spoke with should have known more than me - or at least asked someone if she didn't. There are special accounts you can open for wire transfers that will only accept incoming transfers (but I can still transfer the money out to my other account)...
I emailed the buyer, apologized for the misunderstanding on BOTH on parts, and gave him the total, including the fee. He is supposed to send payment tomorrow, so we'll see
I did see the payment terms at the bottom of the page, which does include wire transfer as an accepted payment method. Even though I was very explicit in my TOS about which methods I accept, he didn't read it or didn't care. eBay definitely needs to change that.
On a brighter note...I am much more educated - thanks to many of you - on wire transfers, and if this situation ever arises again, will be prepared to accept it
And I really wasn't looking at MoneyMover as an alternative payment method LOL
__________________________________
If you had one phone call to make before you died, who would you call, what would you say, and why are you waiting?
posted on January 2, 2004 12:54:27 AM new
We have been using direct bank to bank account payments for years for our European customers. Even easier now that many cross border transactions are free or low cost. Safe as houses as normal bank accounts don't permit outward remittances except when authorized by the account owner. Mind you the banking system in Europe is much better integrated than in North America, with a higher usage of online or phone banking for bill payment. Few European customers want or need to use credit cards - they have piles of cash in their bank accounts and want to spend it - often using debit cards (EFPOS cards) linked to their bank accounts. Nobody uses checks as direct payments or giro have traditionally been used.
[ edited by agitprop on Jan 2, 2004 12:58 AM ]
posted on January 2, 2004 07:24:59 AM new
indeed, a less credit card depended region. heh.
well its too late for me to help out cuz I work (or at least use to) for Bank of America and wire transfer IMO is a lot better than PayPal (when the buyer pays the fee, anyway). you get your money fairly fast and straight to your account making it easier for you to access.. and ebay wont get another chunk out of your profit!
and boy.. that branch manager... if she doesn't know how wire transfer work, one wonders if she knows the banking system at all.
the Postal order and wire transfer acceptance is a news to me though. did not realize that.. hmm. damn ebay.
posted on January 3, 2004 04:24:25 PM new
NPB him. Neg him too. Don't back down!
You did nothing wrong. If eBay translated
wrong (yeah, right) then he can take it up
with eBay. Your TOS was listed. TOUGH!
There is NOTHING wrong with Western Union
Auction Payments. I'm getting LOTS of those
now that I've stopped taking CC/DC payments
via PayPal (due to fraud by bidder against
me). For those who saw that threa, another
seller has since informed me that the same
guy did the same thing to him (for more money)!
---
"Cannot say. Saying, I would know. Do not
know, so cannot say". -- Zathras (Babylon 5)
