I do agree that the bank should freeze the money UNTIL the case is closed! I have lost much money because of this. As all of us know: Pay FIRST, and the item(s) will come safe to you.I did pay once for a set of B&W 800 as adviced by the advertisers company. Everyone knows Who, but no name from me.I had conversations with seller and at last MY bank phoned the sellers bank. The bank denied to send back MY money.
.... EVEN both banks , mine and the sellers, could verify that the seller had not sent the Item!!
The case has gone back and forth, but NO money back to me.
Still no money and this happened years ago!!
In NORWAY we do have a company: finn.no. Here we can get a deal that the buyer can put the money on an account at : finn.no, and WHEN the seller, who then has agreed to : finn.no, HAS TO SEND the item, and when buyer agrees that the item OK!,the seller gets his money.