what i read in all this thread is, why you cant use your maybank account? Why keep involve someone else like girlfriend or wife? I think you cheating here, your statement didnt make sense... Use your ic for open maybank account, why not? maybe got problem before? As seller you should refund your customer money as soon as possible without excuse if cant deliver item... about you bold statement, if she dont want to be disturbed why she give you maybank card first place?

all lads/victim, just make report police lah, this guy is nuisance and idiot... and his statement mean he will never refund, never......