From my experience with IBAN transfers if the money is in your bank account then you're okay. In fact I would trust an IBAN transfer over that of a cheque.
Working for a company that does a lot of overseas transactions we have never had a problem once the money has arrived in our account by IBAN or SWIFT. We deal with lots of 'emerging economies' and trust me, I'm sure they would have tried all the tricks in the book to try and recover any money that they've paid.
Personally speaking, I have also received money accidentally from someone. When they realised there had been a mistake, HSBC couldn't do anything until I signed a document to allow them to take the money back out of my account.
Hope this puts your mind at rest. I'd be more worried about things getting lost by the courier/post. Getting money out of those people is like getting blood out of a stone, even if you do spend a *lot* of money with them.
|