E-transfer are being traced by banks
- Thread starter Cheeta
- Start date
Every transaction you do leaves a record. You concerned about tax implications for the girl/agency or your SO finding out?
Best to withdraw cash from an ATM and not worry about it
Best to withdraw cash from an ATM and not worry about it
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E-transfers should be reserved primarily for friends and family.
I would never use an e-transfer for hobbying. Cash only.
When hobbying they are my friends
This is not new. Banks document everything from deposits to withdraws , to bill payments & e transfers. That Is why some girls say cash only.
Also depending on who you bank with you can cancel e transfers up to 24 hours after sending them ; so in my opinion ; it is not a good idea for girls to take e transfers from clients.
I had a friend who is a retired escort and she deposited a decent amount of cash ( under 5000) but still enough for the bank to flag it and she was questioned about where she got the money & they were going to close her account. Luckily they didn't but you have to be really careful in this hobby/ business.
Also depending on who you bank with you can cancel e transfers up to 24 hours after sending them ; so in my opinion ; it is not a good idea for girls to take e transfers from clients.
I had a friend who is a retired escort and she deposited a decent amount of cash ( under 5000) but still enough for the bank to flag it and she was questioned about where she got the money & they were going to close her account. Luckily they didn't but you have to be really careful in this hobby/ business.
E-transfers can be cancelled up to 30 days after they are sent - unless the recipient has signed up for AutoDeposit, in which case the transfer cannot be cancelled.
Once the E-transfer has been processed, it can't be cancelled by the sender - but the Bank is free to reverse the E-transfer if later on it is determined that the source of the funds was fraudulent....in this case, the girl would be shit out of luck. There are plenty of stories in the news about this.
Another thing people don't realize, is that if you have multiple outstanding E-transfers for one individual, the password for the most recent one becomes the password for ALL of them. It is how the system is designed.
You can deduce some information about deposits every-time it enters or exits a bank, notes do have serial numbers; so if there was a compelling reason to do so the government could map things out with some accuracy. It would be extremely difficult to see the whole picture, but patterns could be revealing.
However it is quite difficult and not all that rewarding so doubtful it is a common practice unless LE wishes to track real heinous criminal patterns (drugs/terrorism for example).
I highly doubt they care about coochie, unless it is underage/trafficking.
https://en.wikipedia.org/wiki/Currency_bill_tracking
However it is quite difficult and not all that rewarding so doubtful it is a common practice unless LE wishes to track real heinous criminal patterns (drugs/terrorism for example).
I highly doubt they care about coochie, unless it is underage/trafficking.
https://en.wikipedia.org/wiki/Currency_bill_tracking
Netflix also keeps track of the dirty movies you've been watching ( and "no", I didn't watch the dirty movies you suggested to me, pervert ).
Can you clarify for idiots like me the processing time for an E-Transfer and how that time frame relates to the 30 day cancellation time limit?
Etransfers can sometimes be instant; other times it will take 30 minutes for the recipient to receive the email to either have it auto deposit if they have that setup or to enter the password.
The sender can cancel the transfer anytime after it has been sent, given the recipient has yet to deposit it.
Once deposited the banks will not reverse the transaction, unless it was done fraudulently.
Which appears to mean based on previous stories, if you sent the email and provided the password you are shit out of luck.
If after 30 days the email transfer email has not been responded to (decline or accepted) it will be cancelled automatically by the bank.
One scam to be aware of:
There was a thread about a scam where someone asked for the full amount in etransfer, then shortly after asked for a deposit to secure their time.
The person then sent out the deposit amount without cancelling the initial transfer the SP had two transfers, but because the the password is only on the contact they were able to instanly deposit both the agreed upon full rate and the deposit.
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So all the stories on Twitter from ladies who say some cad booked them, sent them an E-transfer, fucked them and then cancelled the E-transfer...... how do those stories fit into this framework?
It is their public policy that they do not reverse transactions once deposited.
https://www.interac.ca/en/faq/i-nee...-i-reverse-an-interac-e-transfer-transaction/
There needs to be consistency with the stories or at least some evidence, many times they get mixed up with paypal.
Unless they are trusting enough to provide service and allow the client to leave before depositing the fee. (probably not a good idea)
Paypal has a really bad relationship with merchants/sellers and often always sides with the buyer, especially because it is american which have a different stance on FSSW. Which is documented.
Etransfer can be reversed if the sender claims fraud, so if you tell the bank you are unaware of the transaction they may side with you; this isn't well documented.
However, if there is a complaint, an investigation is launched and banks may freeze the account which is alleged to be partaking in fraudulent activity.
There is also the notion that when you open a bank account you agree to some pretty vague terms that provide a catch all scenario, and one of these terms is generally that you're account may be frozen, suspended or closed if you engaged in illegal or improper activity.
Essentially you are at the mercy of the bank and what their definition of improper is.
It could be argued that sex work falls under this catch all umbrella and what causes these claims to be made, but I'd love to learn more.
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Here are some terms for an RBC account called NOMI; I don't know what that is or how exactly it differs from a regular account and can't seem to find similar wording in other agreements, so I am not really sure now. Banks being vague give them much leeway to save their ass in a worst case scenario. However, after reading this section one could extrapolate that other banks may have a similar clause, but each bank is different; so it's hard to make a general statement.
http://www.rbcroyalbank.com/mobile/findandsave/terms.html
Part A
Section 10
http://www.rbcroyalbank.com/mobile/findandsave/terms.html
Part A
Section 10
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