Tips on protecting yourself when selling privately online:
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Ask the buyer for ID with an address and landline telephone number; if they're reluctant to give this information, be wary
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Also be wary if the buyer offers more than the asking price or gives a cheque for a higher value and asks for change.
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Where possible be paid cash during office hours which you pay into the bank immediately, but this isn't always possible. If you do decide to accept cash, try to get it handed over in a bank, so you can pay it in immediately and the cashier can check for fake notes. If your buyer gives you cash outside banking hours, pay it in as soon as possible.
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A safer payment option is electronic transfer. It allows you to transfer funds online, but it can take a few days, so don't release the pushchair until the bank tells you the funds have been successfully transferred.
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Personal cheques and bank or building society cheques can cause problems. Personal cheques can be cancelled or issued without the available funds in the account, so if you've already handed over the item, you could be left out of pocket. Despite common belief, bank or building society cheques aren't as good as cash; forged cheques are common.
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Ask the bank if you can draw funds against the cheque; asking if the cheque has cleared can mean something different.
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If possible, go with the buyer to the bank to draw the cheque.
- If you experience fraud of any sort relating to transactions on Mumii, please report it immediately to us at: