I have sold a heap of stuff on Gumtree, never had a problem.
I put in all my ads "phone or text only, I do not reply to emails"
this is because once you reply to emails, you end up with a lot of spam.
If people cannot read all the ad with the "no emails" bit then they are not completely interested in the item.
I have received money into my bank account lots of times no problems.
Have packaged and posted as well, as long as payment is in my bank first. I don't use paypal.
Even when people text me, I phone them back, and if they don't answer, then I leave a message, from there it is up to them.
As for people coming to the home, again, no problems, but I will not give out an address until I have spoken to them and set a time for them to arrive, because there ain't no way I'm sitting around waiting for the them.
Most people are good (90%) but sometimes you get farkquits, so you just have you suss them out.
I love the texts making offers like "what will you take for the item"
answer is "cash", gets them every time,
or "is that your your best price ?"
answer is " no, I am happy to accept higher"
At this point I phone them, and if they don't want to talk, then they are not serious.
I have an item on there at the moment for $100, received an email offering $50...Delete.