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Problem with CC guarantee
smokieUK
Posts: 71 Forumite
in Credit cards
I sold a voucher for a Red Letter Day on eBay for £180 in May. The buyer paid by PayPal, which debited their credit card. I have sufficient feedback etc that teh sale was "eligible for Seller Protection".
Red Letter Day went bust in the following six weeks or so. The buyer had not redeemed the voucher.
The buyer claimed from their credit card company, who have paid up. (I would have done the same. I have no gripe with the buyer)
Barclaycard have in turn claimed from PayPal.
PayPal have now frozen £180 in my PayPal account "pending investigation" which will take them an incredible "up to 75 days".
Does the team think I will end up having to pay?
Red Letter Day went bust in the following six weeks or so. The buyer had not redeemed the voucher.
The buyer claimed from their credit card company, who have paid up. (I would have done the same. I have no gripe with the buyer)
Barclaycard have in turn claimed from PayPal.
PayPal have now frozen £180 in my PayPal account "pending investigation" which will take them an incredible "up to 75 days".
Does the team think I will end up having to pay?
0
Comments
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I think you will have to pay unfortunately. You agreed to the Paypal T&Cs, which I believe turns the liability on to you, but don't quote on that, might be worth a read. I think ultimately it is unfair they should absorb the damages, Paypal will probably come after you for the money via a debt collector (someone mentioned this is the method they now use - but again 2nd/3rd hand info). Had the buyer paid by cheque/cash would you have refunded him?
I'm not sure about seller protection, this isn't a fraud case but rather a dispute over the product, perhaps you can find a link which sums up the seller protection policy.
If you paid by credit card then you can claim what you paid back. If it was a gift, you then have to contact the person who gave you it and ask them how they paid etc..
So ultimately it down to you to chase the chain back to original transaction for the certificate and hope it is on a CC.
Alternatively you could try and write to administrators, however in the line of creditors you'll probably be last in queue and receive nowt or a small fractional return.0 -
Agree with the above poster.0
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Probably, you will end up having to pay, but I don't think it is fair. You sold legitimate voucher and it is not your problem that buyer had not used it for 6 weeks.smokieUK wrote:...Red Letter Day went bust in the following six weeks or so. The buyer had not redeemed the voucher....Does the team think I will end up having to pay?
Some relevant information here: Gift vouchers0 -
Why should the purchaser have used the voucher within six weeks? That is totally irrelevant.
Presumably there is an expiry date on these vouchers. Even if he had used the voucher there has been articles in various papers of companies refusing to accept them as Red Letter days were way behind in paying clients. I believe Royal Horticulture Society lost over £500,000!0
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