Money|According to Nordea and OP, such cases are rare.
The summary is made by artificial intelligence and checked by a human.
Markku Aho bought a watch from a Facebook group, but the money did not reach the seller in time.
Aho contacted his bank Nordea, which said the problem was at the recipient’s bank in OP.
A week after the payment, the money was missing, and Aho was anxious about the situation.
On Thursday, one week and three days after the purchase, the money arrived in the seller’s account. And there was a clear explanation for that.
from Vantaa retired man Markku Aho faced a special situation at the end of September.
One Monday, Aho found a watch he was interested in, the Casio Oceanus T200, in a Facebook group of watch enthusiasts. He decided to buy it. The watch cost 300 euros, postage was 8 euros.
He agreed with the seller that he would make a bank transfer for the purchase.
However, the money did not reach the recipient.
“On Tuesday, I received a message from the seller saying that the money has not yet arrived, on Wednesdays, it still hasn’t, and on Thursday, he said, ‘how can this last?'” says Aho.
Aho was confused by what had happened. After all, 308 euros had left his account.
The first question that might come to mind is: Did Markku Aho fall victim to fraud?
He suspected that too. However, it was about something else.
Clearing bought the watch from the administrator of a Facebook group for watch enthusiasts. He trusted that a person in such a position would not be able to cheat him out of money.
The man had made deals with members of the group in the past without any complications.
Three days after the purchase, on Thursday, Aho was in contact with his bank, Nordea, where he was told that the money had left his account, as usual. According to Nordea, the problem would be with the recipient’s bank, OP.
On Friday, the seller sent Aho a message again. He had received a message from Osuuspanki: “The processing of the payment is still in progress. The payer should contact their own bank.”
Aho called Nordea, and the answer was the same as the day before: the payment has left the account and now we just have to wait.
“Week after the payment, my money seems to have completely disappeared in the payment traffic between banks, and no one knows where it has gone,” Aho wrote to HS on Monday. “If it was about taking cash to the destination, I would have reported the theft to the police a long time ago.”
Aho was troubled by the fact that no one seems to be responsible for the money paid.
“Where is such a jungle, where is this money sailing?” Aho wondered.
Tuesday Aho got an answer to the problem when Nordea contacted him.
“We ask for the following additional information:
1. What is the purpose of the payment?
2. Where the payment message Oceanus refers to?
3. If Oceanus refers to the company, will you provide us with the full name, address and website of the company,” the message sent by the bank read.
The amount Aho paid for the watch had therefore ended up on the list of payments to be investigated. The account transfer was suspected to be questionable in some way.
Aho answered the questions. On Thursday, one week and three days after buying the watch, Aho received a message from the seller that the money had arrived in his account.
HS asked the OP and Nordea how common such situations are. Neither bank could be reached by phone, but both responded by e-mail.
According to both banks, similar situations where money disappears are very rare.
“In situations like this, a possible reason could be the monitoring of payment traffic required by banking regulations, which is done, among other things, to combat abuses,” the OP replied.
“Account transfers cannot be lost between banks in Finland, and customers rarely contact the bank to settle payments. Then each case will be investigated separately by both the sending and receiving bank”, Jon Paavilainen He told about Nordea’s communication.
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