Cheated - Need help...

caesarz

Me and a few buyers are cheated by this scammer with zero feedback. He ignores all our emails after we paid him by paypal.

What i have done is to lodge a buyer complaint dispute in paypal against him and its been 2days since and he has yet to respond to it.

Paypal states that the seller is given 10days to respond by which he doesnt then the buyer will win the dispute.

The item i bought is around £18 including postage so what I want to know is if paypal will refund me the money (paid using credit card) if the dispute is given in my favour?

Sugar_Coated_Owl

PayPal attempt to reclaim all the money that you paid, minus postage and packaging, however they are not always able to reclaim the whole amount.

If you win, PayPal will refund the money to your PayPal account.

wigginsmum

If the scammer has cleared their Paypal account out, there's not a lot Paypal can do even if you win the dispute. What he won't be able to do is transfer his balance out now you've opened an official dispute; there'll be a temporary hold on any positive balance relating to your claim in his account while it's being sorted out.

Kimberley

wigginsmum wrote:

If the scammer has cleared their Paypal account out, there's not a lot Paypal can do even if you win the dispute. What he won't be able to do is transfer his balance out now you've opened an official dispute; there'll be a temporary hold on any positive balance relating to your claim in his account while it's being sorted out.

Hi Jules, yes but if he's done what i did and cleared his account, the buyer won't get his refund Unless his account was in positive and PP freeze his account.

wigginsmum

Yup - what I said, Kim

Kimberley

wigginsmum wrote:

Yup - what I said, Kim

...................I like your sig by the way

ebay-expert

Hi
If you fail to get your money back via the paypal buyer dispute process and as you paid via your CC issue a chargeback against paypal,
Your credit card company will get you your money back and then paypal will take it form the seller even if he has no money in his account,
However beaware that if you go via your CC company then paypal may limit your paypal account as that is one thing they dont like having done to them, Its your call??

caesarz

ebay-expert wrote:

Hi
If you fail to get your money back via the paypal buyer dispute process and as you paid via your CC issue a chargeback against paypal,
Your credit card company will get you your money back and then paypal will take it form the seller even if he has no money in his account,
However beaware that if you go via your CC company then paypal may limit your paypal account as that is one thing they dont like having done to them, Its your call??

I guess that's probably what i will try to do. But what do you mean exactly by paypal trying to limit my account if i do a chargeback?

soolin

caesarz wrote:

I guess that's probably what i will try to do. But what do you mean exactly by paypal trying to limit my account if i do a chargeback?

Paypal get upset when people turn to their credit card company to reclaim losses when a paypal chargeback fails. Doing a credit card chargeback is perfectly legal in the UK but paypal got all sulky about it as it means they have to hunt the seller down and spend resources trying to call back the debt and if they can't get it back then paypal lose out. So they bought in a new term and condition last year basically threatening that anyone that involves their credit card company in a dispute will have their account 'looked at' with a view to limiting it's use in future.

It's a bit of an idle threat, and even on the more scurrilous unmoderated ebay boards no one appears to have had any comeback when they've made a credit card chargeback.

When the rule first came out some users nit picked it and decided that even if you had one account 'limited' you could actually open an entirely seperate second paypal account with a different email and bank details and use that instead. The rules are quite clear, in that the account would only be limited, not suspended in anyway, so opening a new account breaks no rules. Anyway, in a straight choice between money and my paypal acocunt I'd lose the paypal account.

Soo

aj3001

Through personal experience, PayPal will try and refund you straight from the buyers account, however if he has insufficient funds, they can only restrict his account and try and ask him to send a refund or to put sufficient funds into his PayPal account