Quite amazing excuses given by the seller. Smells like either a con-job or this seller is doing things ad-hoc or extreme inexperience.

- it doesn't take more than RM250 to open a Maybank account, if he's genuinely selling, this is the first thing he should've done. Why use a friend's account?

- it is normally the responsibility of the seller to ensure the correct bank-in information is passed to the buyer. This seller should have taken full responsibility for misleading the buyer into banking money to his friend's account, no excuses permitted. Putting blame on buyer and asking buyer to "reverse" the transaction shows a general ill-will. Ask yourself, any good respectable business will do this to their customers?

Hope TS gets his refund.