I have just sold my car for £21,500. The purchaser banks at the same bank as I do (HSBC) and has suggested making an electronic transfer, which I was happy to accept until I read your article on receiving payments where you state that such payments can be recalled up to two years afterwards. I contacted HSBC to ask about this and they have never heard of it. The link embedded in your FAQ doesn't explain why such payments can be reversed so long after being made. Cash now seems the best way to go but I'm told that a local branch of HSBC is unlikely to have that amount of money available for the purchaser to withdraw and hand me to pay in. A cheque will take too long to clear. Please can you explain to me why I should avoid accepting an electronic payment?