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 Topic: Selling privately...advice?
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09/5/2014 at 4:27pm
Location: Ayrshire
Outfit: Trigano Tribute 669
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I recently sold my Motorhome privately. I was really worried, like you, about payment. Luckily, the guy that bought it, had just sold his boat and had cash!
However, I would strongly advise you to go to your bank and ask their advice. If your bank is nearby, then you could always take your buyer to the bank and do the transaction then.
Just for info, I advertised on this website, Gumtree, Preloved, Autotrader, Facebook and Exchange and Mart! I got the most enquiries from Gumtree. I avoided eBay. Be prepared for a few time wasters and some silly offers.
Don't accept any money from anyone who hasn't come to see it either!
Good luck!
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Gillian
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09/5/2014 at 6:38pm
Location: East Sussex
Outfit: Conway Crusader 2001 folding camper
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Quote: Originally posted by naturlist123 on 09/5/2014
for a bank transfer dont you have to give the buyer your bank acc No,your name& name of bank and sorting code whats to stop them emptying your account while you wait for them to come back.
That's all the same information that is on a cheque if you were paying someone by cheque! How could they empty your account just by them having those same details?
Quote: Originally posted by naturlist123 on 09/5/2014
surely it would better to take a cheque or a bankers draft and not hand over the van etc until the cash is in your account Barclays boast they can clear a cheque in 43 seconds.????
A cheque usually takes 5 working days to clear, and if I was taking a cheque I'd allow longer as if the cheque is stolen etc. in can still be cancelled/recalled after that time and get taken back out of your account.
I'd never, ever take a bankers draft as there are so many fakes out there.
Quote: Originally posted by amandaindie on 09/5/2014
When we sold our last caravan we were paid in cash and it was a pain having to check all the notes. When we bought the new caravan (private sale) we paid with a bankers draft as it was too much to count out in cash and we didn't want to do a bank transfer. It cost us £15 to get the bankers draft but for the seller it is as good as cash. Guaranteed by the bank that the money is available and clears as cash when paid in.
You were lucky they took a bankers draft. I'd never take a bankers draft as there are so many fake/stolen ones out there. Yes, a genuine one is as good as cash, but lots of people have had nasty shocks when they've gone to pay them in and find out they were fake. In fact some of the fakes were so good that the branch accepted them, only for it to be noticed later that they were fake, and the money is then swiftly taken back out of the person's account, so they're left with no money as well as no caravan.
Why was it you didn't want to do a bank transfer? The risk that they had the money before you went to collect the caravan? If so I can understand that, but nowadays with so many people having mobile banking it's much easier to do a bank transfer on site, and if they have online banking they'll see it appear in their account.
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