no need to wonder if the police would do anything, they won't. they'll just see this as a matter for the bank to sort out with you. the bank will look for reasons why it isn't their fault.
don't risk it
How does that work? Surely you don't release the vehicle to the courier until the money is showing in your account. Then the only way they can reverse it is by lying to the bank, and by doing that they're committing fraud.
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