Dosh Dilemma: Neve bought a bargain on Facebook Marketplace, then the seller disappeared

Neve thought she'd found a brilliant bargain on Facebook Marketplace. But after transferring the money, the seller disappeared, along with the listing.

Now she's worried she's been scammed and wants to know if she can get her money back.

Neve regularly browses Facebook Marketplace for second-hand bargains, so when she spotted a new leather jacket for just £45, she didn't think twice.

The seller seemed genuine, but said there was lots of interest and Neve would need to pay quickly to secure it.

Worried she'd miss out, Neve transferred the money.

Then the seller stopped replying.

The listing vanished, and despite sending several messages, Neve heard nothing.

What should Neve do?

Neve should contact her bank as soon as possible and explain that she believes she's been scammed.

She should keep screenshots of the listing, messages, payment and seller's profile, as these could help with the investigation. She should also report the seller and listing to Facebook.

And she shouldn't feel embarrassed. Scammers can make fake listings look incredibly convincing, so being caught out doesn't mean you've been foolish.

How can you avoid a Marketplace scam?

Don't let a seller's urgency pressure you into paying before you're ready.

If you're being told “pay now or someone else will get it”, take a step back.

Check the seller's profile, ask questions about the item and be particularly cautious if you're asked to pay by bank transfer.

If you're collecting an item, don't hand over your money until you've seen it and are happy with what you're buying.

Most importantly, remember, missing out on a bargain is frustrating but losing your money is much worse.

Neve thought she was saving money by buying second-hand. Now she's potentially £45 out of pocket.

If you think you've been scammed, don't wait and hope the seller gets back in touch. Contact your bank immediately, keep your evidence and report it.