The HH partners both had a high score, and I traded with them afterward as well. They didn't file any claim with their bank, according to them. I will never know the truth as the bank doesn't provide details regarding the fraud.

The Peach user was new and didn't have a rating yet.

For high-value trades, I only select well-regarded partners. Everybody should be able to join P2P trading though, so I also trade with new users, but only for small amounts.