[celticninja]

It is a common misconception that bank transfers can easily be rolled back. In the main if it was fraudulent then the bank compensates you, they take the hit. Some times however they will say it was user fault and you take the hit. I was amazed when I found out that after perhaps 2 transfers it is impossible to get back, larger sums may be more easily (or the bank more motivated to) traced but returning the funds is not always possible.