Nigel;

Transfer means the money is sent, though if the item/service is not received there is no realistic way of proving this, once that money leaves your bank you only have proof it went to 'John Smith' but even if you have the bank state what its being sent for, you cannot prove for example that you did not receive the item.

'Yes he/she received said item, guess he/she must have hidden it or sold it on, he/she is lying' is the response that is naturally given.

In my line of work, both past and present, i have come across this, ebay is perhaps the worst example.....hence the paypal idea, which also hardly works......

Ben