Ripped off on Ebay

[snobber]

On a carp forum one of the members bought goods on ebay that did not arrive He lives in Liverpool and the seller lives neer Lndon.

What can be done to get his money or the goods he paid for?

I am writing this partly for my own benefit just in case!

 

[achris83]

How did this person pay... If it was using pay pal there is always the option of opeing a dispute, also check with the delivery company that the product isnt still in transit.

 

[snobber]

It was on paypal!

Here is the Quote:

Hello any 1 Help I’ve been robbed VIA pay pal. i have went to the Resolution centre but didn’t work n they said they cant Refund me is there anything else I can do to get my Money back the Seller is Blanking me.

 

[Darren Falkingham]

I had a dispute with a seller over a Nintendo Wii (it turns out he was building up orders expecting to fulfil them later...talk about short selling!).

PayPal were really good on this occasion - they settled the dispute in my favour, and I got a full refund.

It is a bit of a pain in the backside to go through a Dispute Resolution, but it's the right thing to do if he's paid through PayPal.

Good luck with it - hope he gets the money back.

 

[SillyJokes]

This sounds nonsense. Paypal ALWAYS side with the buyer, not the seller in my experience.

 

[Eagle]

^ Exactly. The seller did the ripping off, not PayPal. Open a dispute and get your money back.

 

[holidays2crete]

paypal give zero rights to the seller tell him to do the resoloution centre properly.

I have never been ripped off by sellers on ebay just buyers.

 

[Dwebs-Ltd]

If PayPal do nothing and you paid via Credit Card or Debit Card perform a chargeback.

If I pay via PayPal it always gets taken from the credit or debit card when you do this PayPal shows a lovely message that your transaction is protected and there is no need to use your card. But it gives an extra level or protection.

 

[David P]

Paypal will favour the buyer basically guranteed. Don't know the background but don't be too quick to blame seller entirely

 

[First in Retail]

The chances of a charge back against a debit card are pretty slim to say the least, its as good as cash ! after all it was your cash, a credit card company issue charge backs because its there money.

Paypal will sort it, you just have to follow the rules, its a drawn out process for a reason, if it was easy every one would be doing it

 

[timbo]

Paypal ALWAYS side with the buyer. I sold an Ipod on ebay which was in "as new" condition. The buyer, sent it back, stating it was "in crap condition". Trouble was he sent back a different ipod (I had the original serial number) Turns out he had a number of user accounts and had pulled this scam a few times. Paypal debited my account without any investigation then tried set debt collectors on me.

Anyway, I brought a small claims action against Paypal claiming the cost of a replacement Ipod (I gave them the opportunity to collect the one their customer had sent me). The settled out of court including my court costs and expenses. They never did collect the ipod..............

 

[starsgazing]

If PayPal do nothing and you paid via Credit Card or Debit Card perform a chargeback.

If I pay via PayPal it always gets taken from the credit or debit card when you do this PayPal shows a lovely message that your transaction is protected and there is no need to use your card. But it gives an extra level or protection.

I used to believe the above... However, Lloyds TSB Mastercard informed me that as of July, 2008 they are no longer liable when things go wrong for Paypal payments funded using a cc, as the FSA has ruled that using your cc via Paypal is as if "the user has banked a cheque and used said funds to pay Paypal". As the relationship is between LLoyds and Paypal and Paypal has provided the service as per terms (by passing the funds onto the seller), they do not take liability... I just wish I'd known that before I paid - There's £130.00 I'll never see again

 

[starsgazing]

Paypal ALWAYS side with the buyer.

LOL I'm starting to think that with Paypal *everybody* loses!
As a buyer, I've lost using Paypal in the same situations that I've witnessed as a seller.

An example:

- A few months ago I bought a phone via eBay for £130.
- On line 26 of a mass of text, the seller put "you will only receive a charger" [Fine print scam... don't judge me; it was late & I was too tired to read every word of the auction, so just skimmed it & looked at the photo... Okay, judge me ]
- Anyway, seller sent charger.
- Royal Mail lost it but put as a "signature" on their website "N/A - 739 notice left"
- I filed a dispute via Paypal & lost, with Paypal citing that the item was delivered even though the "signature" was BS.
- I'm like "hang on, firstly I wouldn't have paid £130 if I had known it was a charger! But I don't even have *that*!"
- They couldn't care less.

As a seller:

- A little over a year ago, I sold a BNIB PSP console via eBay for £105.00.
- Sent it Special Delivery.
- The item was received & signed for the following day.
- A week later, the buyer says she didn't receive it.
- In a heartbeat (possibly faster!) Paypal reversed the funds from my account.
- It took months & a letter to the FSA before I got my money back (less a fee!)

So the point I'm making is that, what if nobody wins. Say, the seller in the first case (we'll just call him con artist A) is told by Paypal, 'we've decided the case in favour of the buyer and have reversed the funds to her', then they tell me, 'we've decided the case in favour of con artist A and they get to keep your money'. They know that the buyer is not going to contact the con artist & vice versa. Same in the second case for con artist B.
Then Paypal just sits back and laughs at all the silly fools who use their site!

...

Just a theory

 

[norwichchris]

thats very interesting about Chargebacks i was under the impression if a buyer initiated a chargeback and both paypal and the bank agreed then the money would be returned is that not the case?

I have been through two disputes one with a buyer the other a seller in both times paypal was in my favour.

What other problems have people come across whilst using paypal?

also does anyone know what rules paypal functions under? i know they do E-money only but apparently this is not protected under the law

 

[starsgazing]

also does anyone know what rules paypal functions under? i know they do E-money only but apparently this is not protected under the law

Thankfully, they are regulated by the FSA.

 

[norwichchris]

Still i thought they were under the EU regulatory service now?
Also i have discovered paypal has a banking license, credit card and banking level security.

Yet it is not regarded by anyone as a bank why on earth is that?

It has all of the aspects of a bank

It does Emoney only is this regarded as physical cash?

 

[starsgazing]

Still i thought they were under the EU regulatory service now?
Also i have discovered paypal has a banking license, credit card and banking level security.

Yet it is not regarded by anyone as a bank why on earth is that?

It has all of the aspects of a bank

It does Emoney only is this regarded as physical cash?

They're still regulated by the FSA b/c they trade with UK customers.
Bank Q - no idea... Doesn't suit them, I guess and NO e-money is NOT physical cash; hence their terms & conditions. If you've not read them, do - they're pretty chilling.

 

Paypal only joined the FSA under voluntary jurisdiction, so its not true to say they are specifically regulated by them, if you search the FSA website you can find instances where they specifically have not intervened because Paypal adds an additional element to the usual buying chain.

My experience is that Paypal pretty much always favours the buyer, if you file a correct and legit dispute resolution it will be found in your favour - the problem can be that the seller doesn't always have the money in their account so they can only recover whats in there and hold the rest of the liability on account - I lost a lot to a supplier who having been fine for years did a bunk and I only ever recovered a small bit of it - the rest is still there owing to me with a lovely little note about my legitimate claim.

On the reverse I had a transaction incorrectly reversed by Paypal from a customer on ebay who was unaware they this had been done and had to make payment again - apparently they had cancelled a bank account or card due to some fraud on their Paypal account which occured after their original payment to me, and they were only supposed to have acted on a couple of transactions but did this with a significant number of them on the customers account, Paypal were not in the slightest apologetic for the error or the fact that their email to us had essentially accused us of fraud and taken the money straight out of account before even giving us a chance to offer proof of the order and production of the handmade item which was due to be couriered that day.

Luckily we resolved it with the customers help, but Paypal generally decide the sellers guilty first and ask questions after.

 

[starsgazing]

Paypal only joined the FSA under voluntary jurisdiction, so its not true to say they are specifically regulated by them, if you search the FSA website you can find instances where they specifically have not intervened because Paypal adds an additional element to the usual buying chain.

Cheers, boho - that's why I lost a case with via my credit card company (Mastercard through Lloyds) b/c "Paypal adds an additional element to the usual buying chain" and they fulfilled their end of the bargain by passing my money onto the fraud who ripped me off. So, it seems that with these regulations, Paypal rule all. As that is the case, I will no longer be using them.

 

[norwichchris]

I am doing a dissertation on paypal and this topic interested me greatly i have a questionnaire see below: Please note this questionnaire is totally annonymous including email addresses:

http://www.kwiksurveys.com/online-survey.php?surveyID=KKLJG_3eba4661

What your views of the paypal service and why do businesses use it so much yet they have very high fraud rates and bad protection?

I have never understood this i think it depends on the circumstances, and whether or not you maintain a balance in your account it does say on the website that sellers should not do this as they are open to fraud.

 

[Trish Barker Telecom]

I sold an brand new LCD screen on ebay a couple of years ago it was delivered and signed for via courier. The buyer then later did a charge back on their credit card and stated it was not signed for by them, even though the address clearly matched. After numerous emails and lots of frustration I just decidied it would be easier to lose £150, it had cost me more in time and effort.... opens up an arena for crooks..so sellers beware.

 

[fourblankwalls]

Go to address in London and get money back. Otherwise very difficult.

There are laws that govern this sort of thing. If the item was a buy it now item then it is covered by the distance selling regulations. If not then the sale of goods act. Also try trading standards and police. Taking money without providing goods is theft and is taken very seriously by the authorities. I am sure a solicitors letter that you can get for about £50.00 will do the job or a small claims form.