I'm just following this thread and leaving my opinion.

I think you guys should track down the 'ex-gf'/MBB account holder, in person, and get her to tell you guys what's going on. For all you know, she may be working together with dicksonbell and no trace of her once the money is cleared. Then you'll have another case against her while dicksonbell claim he already done his responsibilities by banking in the cheque and clear it.

Also, 32k usually no problem with clearance of cheque. MBB usually only call up company to check if the amount if larger than 40k.

Another thing is why is dicksonbell using the girl's account without her knowledge? He claims he has no access to Maybank2u then when you guys bank in to that MBB account, how does he check whether the payment went thru? Go to ATM to print out statement everytime someone banks in? Why did he not use his own account under his own name? Is his real name blacklisted as a conman and using other people account? If he's a genuine seller, I don't think there'll be so much of confusion like this.

Just my 2cents. Hope you guys get your money back asap.

I think it's best that she reports you as well. You dig your own grave by using her account without her permission and is now dragging her into all this mess.

For starters, you should stop using her account/ATM and start using your own. There's still no reason why you got a cheque issued to her name and not yours.

The gf must be pretty ignorant to let someone else use her bank account which is registered under her name to do as he please.
Maybe someone should inform the bank about this to see if there's any rule about giving permission to someone else to use their account. I believe there's a rule. Or else there wouldn't be joint accounts or the need for you to give them your IC when you withdraw/transfer money over the counter.

There's also a reason why dicksonbell is blacklisted. What have you done to be blacklisted in the past?

Maybank ATM transfer is 3-5k a day. Withdrawal should be the same amount.
M2U online transfer also 3-5k a day.

If different Maybank branch transfer over the counter is 25k a day. If home branch then no limit on the amount. But over the counter means need account holder IC and thumb to process the transaction.