How to Spot and Avoid Facebook Marketplace Scams in Essex in 2026

Selling on Facebook Marketplace or Gumtree is a popular way for Essex residents to clear out unwanted items. You list a sofa or a bike, and a buyer messages to ask if it is still available. Most buyers are genuine, but some are scammers, and one trick in particular catches out sellers: the fake bank transfer.

What is the fake bank transfer scam?

The scammer pretends to be a buyer and agrees to pay by bank transfer. They then send an email or screenshot that looks like a bank payment confirmation, but no money has actually been sent. Sellers who trust the confirmation hand over the item and never get paid.

How it works, step by step

1. The first message. A simple “Is this still available?” starts the conversation.

2. Building rapport. They chat politely and ask about the item so they seem genuine.

3. Insisting on a bank transfer. They say they cannot pay cash or collect in person.

4. A fake confirmation. An email or message appears to show the payment is pending or complete.

5. Pressure to send the item. They urge you to post it or hand it to a courier quickly, often saying they are away.

Why it works

Many sellers think a bank transfer is safe, and fake payment emails can look very like the real thing. A seller who is keen for a quick sale may also skip the one check that matters: looking in their own bank account.

Red flags to watch for

• A “payment pending” or “transfer completed” email, but no money showing in your own banking app.

• A buyer who avoids paying cash or collecting in person.

• Urgent messages pushing you to send the item before payment clears.

How to stay safe

• Only hand over the item after you can see the money in your own bank account, through your official banking app or website.

• Never trust a payment email on its own. If in doubt, ask your bank.

• Prefer cash on collection, and let the buyer come to you.

• A genuine buyer will usually be happy to view in person and pay on collection.

If you have been scammed

• Contact your bank straight away, or call 159 to be put through to them.

• Report it to Report Fraud at reportfraud.police.uk or on 0300 123 2040.

• Keep every message and email as evidence.

Helping a parent clear out a house or sell an item online? Essex Home Support offers non-medical home help from £27 an hour, with no contract. See our home help services or call 07719 634112.