Scam email about "Unpaid Ebay Item number#1234567890"

[JayCeeDee]

Hi guys – just a heads up. I just received an email from someone telling me about an unpaid ebay item that had been passed to dispute resolution. I thought it was dodgy, but there had been an instant WTF moment where the mouse headed to one of two active links, the item number and the Dispute Resolution Centre.

Head took over and checked on Ebay and no cases were shown. Phoned Ebay and talked to a rep, he confirmed no cases were outstanding and sent me a link to a page about spoof emails purporting to come from Ebay or an Ebay member. I have deleted the email.

So just a heads up to be aware of these scummy scammers.

[Alan Wood]

I had a similar one today saying it was from My Hermes and that they had delivered my order to a neighbour. I actually contacted Hermes as it looked so genuine and they confirmed it was a scam.

 

[Richard]

The scam factories just will not give up, the same old rubbish keeps swinging by, if not via email it is via the telephone, pushing non existent government schemes, internet service problems or any other old rubbish.

[Wheels-Of-Fire]

He He. A woman in the US of A has just ordered $245 of skincare products on my Pay Pall account. Yeh right.

[The Duke]

I’ve just had Equifax on the case sorting out a catalogue style credit account that i apparently opened with a £1000 limit.

Some little shores out there.

I’d strongly recommend joined Clear Score, its free and gives you a monthly update on all the goings on with your credit score, and the goings on withing your account.

Also it has an nice app, but you can just use the browser if youre not into apps/phones ect.

If you see an issue, you can flag it in the app and clear score contacts equifax and sort it out, or at the least point you in the right direction. Defo worth having.

[JayCeeDee]

I’ve just joined Clearscore on a “check it out” basis – they seem to be a pale facsimile of Equifax, more of a gateway to Equifax information. It’s good that it’s free, but I needed a credit report from Equifax or Experian, so we’ve joined Equifax for free for the month and hope all the paperwork gets sorted out within that month!!

Clearscore did show all the mortgages, but only an inactive bank account, so I’ve emailed them to tell them about the active one and the Saver Account so we’ll see how much attention/care they show when it’s free.

[Ed P]

Graham, I have always been a bit cautious of using Paypal with unknown’ foreign suppliers who helpfully link you to Paypal. Although I get the Secure Payment tag and it behaves like Paypal I believe that some sites could be sophisticated enough to mount a man-in-the-middle attack so I always reset my password immediately after using Paypal and closing my browser.

[JayCeeDee]

Well, I’ve just got an answer back from Clearscore – seems I had it right above.

 

How ClearScore works
It’s important to note that ClearScore is not a credit credit reference agency, and lenders do not use ClearScore to carry out credit checks on you.

We provide you with access to the credit data that Equifax hold on you, which banks and lenders will use when assessing your credit worthiness.

Lenders will not be able to see how ClearScore is showing your credit information to you. So if there is something not quite right in how we’re displaying your information, this will not have any effect on your credit worthiness.

Their later reply to the problem of the missing bank account is this:-

If the account is more than 10 years old, it could be missing from your report because it is unlikely that the credit reference agencies will still hold this older data.

So the account I opened in 2016, but never used, is showing, but the one I’ve had for nigh on 25 years, ( 50 if you take into account a few branch changes ) doesn’t show because it’s too old!! Oh well, at least I know now.

Edit – @bdthree – In the reply box when writing this post, I changed the font colour, to highlight their answer, but when I submitted it, the whole post came out in black.:(

[RSB]

@jayceedee Are you sure. Seems goo to me. Was you in the text version or the visual version of the editor.

Americans: Over Sexed, Over Payed and Over here, Wat Wat!

[JayCeeDee]

RSB wrote:

@jayceedee Are you sure. Seems goo to me. Was you in the text version or the visual version of the editor.

 

It was in the original post that I tried it, it showed red in the “Reply To” box, but when the post went live, it was all black.

 

I only used the Edit box to advise you – never tried to re-do the red font.

[RSB]

Well I’ll keep an eye on it but I suspect it’s one of life’s little misteries for now.

Americans: Over Sexed, Over Payed and Over here, Wat Wat!

[Richard]

@jayceedee, I thought that I would have a look at my ClearScore file but it is a bit like the barbed wire bikini, what it reveals could be interesting, but there is a lot which might be more important is missing. It picked up a bank account I had as an executor that has now closed though that was not picked up, but did not appear to know any active accounts.   It appears heavily geared to assisting people to get loans, credit cards and the like. I would go so far as to suggest that was its major objective.

[JayCeeDee]

You’re not wrong – all along the suggestions have been, the way to increase your Credit Score is to have completed loan transactions on your record, similarly heavy Credit Card use and repayment.

The wife is “old fashioned” in as much as if she wants something she’ll save for it.

When we were working, the saying used to be “We’ll work a month of Sundays to get the money for xxx….. ” .

She hated credit/catalogues/rolling credit/”interest free loans” etc with a vengeance, having seen her Mum hiding from the “Tally Man” when she was growing up.

 

I had a big TV and video machine from Radio Rentals back in 1980. When she moved in with me, the first thing she did, after saving some money up, was to return them and buy a smaller TV and an ex-rental video. Saved me a fortune!!

 

“……………but did not appear to know any active accounts.”

The likely reason it doesn’t show your active accounts is as I posted above – if they’re over 10 years old, they won’t have been told you’ve got them.

 

Edit – in fact, I’ve just received an email from ClearScore headed “Introducing your personalised offers” .

Find out if you’ll be accepted before you apply
Did you know ClearScore shows you personalised offers across a range of financial products? We remove the guesswork as we show how likely you are to be approved or pre-approved, well before you click apply.

And because we know that your credit score and circumstances change over time, we’re constantly finding you the latest and best offers. So why not take a look now?
See your latest offers

[JayCeeDee]

@bdthree – In the last post, the quote below the edit I put in a red font. That red displayed in Visual, in Text the quote was surrounded by something like :-

 

color : #ff0000

 

– which I think is the numeric code for black font – but that thought is dredged up from an old memory from changing the font colour in the old MM forum.

HTH.

[RSB]

@jayceedee I’ll have a think about.

Americans: Over Sexed, Over Payed and Over here, Wat Wat!

[Richard]

I agree with your wife, we paid the original mortgage off as fast as we could and left it there. Back in the 1990s I used to get calls offering me a better rate on the mortgage, after a few such calls I was mighty fed up. I adopted a very funeral tone of voice and said, ‘I am sorry there has been a death, my mortgage died a few years back due to excess gluttony, the account was stuffed full of cash. So I no longer have any mortgage.’ That shut them up very quickly as they digested the bit about the ‘death’.

The odd thing about the accounts ClearScore recognise is that it knew about one opened in 1992, though others opened in the 1960s and 1970s have been ‘lost’ along with other active, though little used accounts. The missing accounts do change the details significantly as the debit on one ‘about to be cleared’ account that is not yet due, rather than being well under 50% of the available borrowing limits is well under 10%.

I see there are some mails in from ClearScore no doubt with more highly avoidable loans.

Generally if we want something we use our assets, at worst that ‘costs’ us damn all in interest so why borrow and pay many time more than 0~1.5%? The cars were handled the same way, no PCP, balloon payments or whatever.

[JayCeeDee]

??

Cheers Lee.??

[Author]

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