Paypal went into my bank now got bank charge

livelyred

I have been paying my ebay fees automatically so they dont mount up,well when i checked my bank statement paypal have tried to get money out off my bank with out teling me know i have a £30 bank charge as i only have enough money in this bank for bills.I phoned ebay they said its nothing to do with them,so i phoned paypal there denining this too,as they cant see on there screen that they went into my bank for £11.97 i have proof on my statement that they did,what shall i do now one of them has to pay for this bank charge please some help me with this please.

catmiaow

If Paypal took this money without letting you know and they are at fault, then they are responsible. Photocopy the letter confirming the charge and write them a letter of complaint stating they took this money therefore you require a refund of the charge.

RFW

livelyred wrote: »

I have been paying my ebay fees automatically so they dont mount up,well when i checked my bank statement paypal have tried to get money out off my bank with out teling me know i have a £30 bank charge as i only have enough money in this bank for bills.I phoned ebay they said its nothing to do with them,so i phoned paypal there denining this too,as they cant see on there screen that they went into my bank for £11.97 i have proof on my statement that they did,what shall i do now one of them has to pay for this bank charge please some help me with this please.

Have you set up a direct debit for Paypal to take money out of your account if your balance goes into a negative amount? If you haven't given permission for Paypal to take funds from your account you would have a definite case.

There can be mistakes with Ebay taking fees when you have already paid, but unless I am wrong, you are saying that Paypal took the money. At the time was there a negative balance on your Paypal account? for example did you pay £50 in Ebay fees and only have £38.03 in your Paypal account?

jenniewb

who took the money? it should be possible to tell by going into your paypal account and seeing the details of where the money came from (eg paypal fees, ebay fees, fraudulent transaction by scammer...) then you know who is to blame.

If ebay have charged you twice (they did this to me) and it has caused you a fee (also happened to me) you can try contacting ebay but if you want some advice, try getting someone legal to back you up- even write to ebay if you can (a friend who studies law would be great) or even contact ebay saying you will take them to court for theft... when I tried to get back my fees and account charges from ebay it seemed to go back and forth and not ever get anywhere. I think had I had a higher power involved (eg lawyer, police etc) they may have done something about it insted of palming me off. In the end I got my fees back through the MSE pages on claiming back charges.

livelyred

Yes i do have a direct debit set up with my bank,i was not told at all they would be taking this money at all out off my bank.All my fees with are paid with the automatically when i feel like it and i dont let it mount up.Ebay have clearly said its not them,paypal have asked me to fax the statement through to them is this safe thou ?

RFW

Surely you know who has taken the money?
If it says Ebay then it is likely for fees.
If it says Paypal it is likely as a result of your account having a negative balance or to pay for something. If you have set up a direct debit you have authorised them to take the money, so unless they have made a very serious error you aren't likely to get any money off them.

soolin

Also, even if you make 'as and when ' payments on account for your fees once some become due they will be collected directly by ebay via paypal and then via your bank

livelyred

Paypal has taken the money,but why are they telling me on the phone they havent its clearly shows on my bank statement ?

RFW

livelyred wrote: »

Paypal has taken the money,but why are they telling me on the phone they havent its clearly shows on my bank statement ?

Have you checked your Paypal account to see what the payment was made for? It usually lists the details alongside the transactions.

thevogon

Under the Direct Debit Guarantee you can go to your bank and demand the payment be refunded. The bank should then refund the fees.

spankymonkey_2

have you purchased something for £11.97 ? i know sometimes it doesn't come out of the bank account for a day or two