purplealien
Registered User
- Messages
- 350
A few months back i put my wedding dress on the buy and sell. Two people e mailed me back saying they were interested. In the end i sold it to the highest bidder. He told me that he was living in Holland and was buying it for his daughter - he said that he had a client in Dublin that owed him 6,000 euro. He asked if this client of his could send me a bank draft, he told me to take out of that the money for my dress and post the rest on.
Anyway to make a long story short - i received the bank draft and brought it to my bank, i asked them to deposit 1,500 into my account (that was meant to be for my wedding dress) and give me a bank draft for the rest so that i could wire the money over in the credit union. Got the bankdraft and brought it to the credit union only to be told that they dont wire money anymore. So i brought the draft back to the bank and asked them to cash it so i could wire it with western union - they told me that i'd have to go into the city because they weren't able to give out that amount of money, so they gave me a bank draft for my bank in town. Drove into my bank in town and handed them the bankdraft and asked them to cash it so i could wire the money and they did so immediately. Then proceeded to Western Union to wire the money.
Three days later the bank got onto me to tell me that the draft had been a fraud and i now owed them the money. My question is (finally!) Am i liable to pay all that money back when
a i thought a bank draft was as good as cash
b isn't it the banks job to check this out before they start handing over cash and
c they have insurance against such things happening.
Im after receiving a solicitors letter from them saying that they want me to start making payments straight away or they'll put me on to the bad creditors list. Should i sue them or just cut my losses and start paying monthly installments?
Any help would be much appreciated.
Anyway to make a long story short - i received the bank draft and brought it to my bank, i asked them to deposit 1,500 into my account (that was meant to be for my wedding dress) and give me a bank draft for the rest so that i could wire the money over in the credit union. Got the bankdraft and brought it to the credit union only to be told that they dont wire money anymore. So i brought the draft back to the bank and asked them to cash it so i could wire it with western union - they told me that i'd have to go into the city because they weren't able to give out that amount of money, so they gave me a bank draft for my bank in town. Drove into my bank in town and handed them the bankdraft and asked them to cash it so i could wire the money and they did so immediately. Then proceeded to Western Union to wire the money.
Three days later the bank got onto me to tell me that the draft had been a fraud and i now owed them the money. My question is (finally!) Am i liable to pay all that money back when
a i thought a bank draft was as good as cash
b isn't it the banks job to check this out before they start handing over cash and
c they have insurance against such things happening.
Im after receiving a solicitors letter from them saying that they want me to start making payments straight away or they'll put me on to the bad creditors list. Should i sue them or just cut my losses and start paying monthly installments?
Any help would be much appreciated.
