Paypal have taken a £15 fee from my refund

shellsuit

The only reason I will get on my high horse with a seller over postage charges is if they say they will send by a particular means (special or recorded delivery) and then send it by something else (1st/2nd class or standard parcels) as I am not receiving what I am paying for.

If I pay £10 postage for 1st class, when it costs £2 to send 1st class, then that is my hard luck for not doing my homework and agreeing to their terms of £10 postage.

Alfie_E

shellnsteve wrote:

Alfie, when do Paypal determine though whether there is a processing cost or not?

There’s no processing cost, when you’re getting your money back under the PayPal Buyer Protection Policy, where PayPal guarantee to give you up to £500 of their own money, no matter how little is in the seller’s account. There’s no processing cost, when you’re not covered by the PayPal Buyer Protection Policy, but where PayPal can get all your money back directly from the seller’s account. There is a processing cost, whenever they need to apply eBay’s Standard Purchase Protection Program. They’ll apply that whenever you’re still owed more than £15 for the item’s final value, after PayPal have taken all the money from the seller’s account.

PayPal could just return money from the seller’s account, and then tell you to go to eBay for any amount that’s still missing. But, eBay and PayPal have decided to integrate the two processes. The processing costs are not from the PayPal part of the process, but from the eBay part of the process.

Sugar_Coated_Owl

It seems pretty confusing IMO or is it just me...

Alfie_E

Welcome to the world of money. If it were all simple, there'd be no need for MSE.

Sugar_Coated_Owl

That's true.

bleugh

contact the financial services authority , that'll get your money back

zorber

Alfie_E wrote:

No, it’s the consequence of being simultaneously covered by two separate terms and conditions.

Let’s take your example of £50. Let’s says that’s made of an eBay final value of £45 and £5 postage, but the seller only has £15 in their PayPal account. The following steps occur.

1. PayPal promise you’ll receive all your money back, limited only by the amount in the seller’s account. So, they can get you your £5 postage back, and £10 of the item’s final value. That still leaves you £35 out-of-pocket.
2. eBay promise to cover the item’s final value up to a limit of £120, less £15 processing costs. Now, PayPal have already recovered the first £10, so that leaves £35 pounds left to cover. So, they take their £15 administrative fee from that, and give you £20. Now, you have £5 + £10 + £20 = £35.

So, you get back £35 of your original £50 – you’re down the £15 eBay processing costs. Note, by taking the postage cost in the PayPal process, PayPal and eBay are combining the rules in most favourable way for the buyer.

This sort of situation isn’t unique. It happens where an unfortunate event is covered by two different insurers, and each ends up covering part of a claim. (Here, it’s only eBay that’s effectively offering an insurance policy.)

Absolute rubbish it does not opperate like this at all

zorber

[QUOTE/]
PayPal could just return money from the seller’s account, and then tell you to go to eBay for any amount that’s still missing. But, eBay and PayPal have decided to integrate the two processes. The processing costs are not from the PayPal part of the process, but from the eBay part of the process.[/QUOTE]

Again wrong you can only claim once and paypal selects which process you are elegable for.

zorber

Alfie_E wrote:

I’m a bit confused. It looks like your PayPal claim has been converted into an eBay claim. For eBay claims, there’s a £15 administration fee. Claims made under the PayPal Buyer Complaint Policy can be automatically turned into eBay claims. From the PayPal Buyer Complaint Policy page:

For eligible eBay transactions, PayPal automatically applies eBay’s Standard Purchase Protection Program.

However, your email suggests that the claim was made under the PayPal Buyer Protection Policy. That policy guarantees you reimbursement up to £500. I can only assume you weren’t eligible under the PayPal Buyer Protection Policy, either because the item didn’t qualify, or you’ve been awarded three claims already, in the past year. In that case, a PayPal Buyer Protection Policy claim is converted into a PayPal Buyer Complaint Policy claim. For a PayPal Buyer Complaint Policy claim, where the seller’s account doesn’t have enough money to reimburse you, this in turn is converted into an eBay Standard Purchase Protection Program claim.

If you paid by credit card, you can submit a credit card chargeback for the remainder of the balance. In paying part of the balance, PayPal have effectively admitted you have a valid claim for full reimbursement.

This is correct
this happened to me several times though paypal seized the money they only paid me minus £15. I wrote to the and the quoted the usual rubbish that it wasnt elegable and had been converted to ebay claim. So i claimed a charge back for the other £15 from my credit card company (tesco) had a letter back today saying they had taken the money back off paypal and have refunded me the £15.
Mind you i cannot now use my credit card on paypal but thats no loss

zorber

The eligibility critera is below. If you fail on just one point your claim is automatically transfered to an ebay claim.



Eligibility. PayPal Buyer Protection will be offered on the eBay.co.uk, eBay.com and eBay.ca listings of sellers who meet the qualification requirements at the time of posting the listing. If a listing is eligible for PayPal Buyer Protection, the phrase PayPal Buyer Protection will be inserted in the Seller Information box.


Seller Qualification Requirements. A seller's eBay listings are eligible to qualify for PayPal Buyer Protection coverage if the following conditions are met:


The seller's eBay feedback rating is at least 50;


At least 98% of the seller's eBay feedback is positive. The percentage calculation for this purpose includes feedback from repeat users, and therefore may be higher than the unique positive feedback percentage displayed on eBay;


The seller is a registered PayPal user in one of the following countries:

Austria
Australia
Belgium
Canada
France
Germany
Hong Kong
India
Ireland
Italy
Japan
Korea
Netherlands
Singapore
Spain
Switzerland
Taiwan
United Kingdom
United States



The seller has a Verified Premier or Business PayPal account;


The seller's PayPal account is in good standing.

A seller may determine whether he or she might be eligible for PayPal Buyer Protection from the "Seller Eligibility for PayPal Buyer Protection" page. The "Seller Eligibility for PayPal Buyer Protection" page is available from the Profile subtab of the My Account tab of the seller's PayPal account. However, because a seller's eligibility status may change quickly, the final eligibility decision will be made by eBay at the time of listing.

Eligibility for PayPal Buyer Protection is automatic, based on the above guidelines. Sellers may contact PayPal by telephone to request to opt out of PayPal Buyer Protection. Any request will be evaluated by PayPal. To contact PayPal about your PayPal Buyer Protection eligibility, log in to your PayPal account and click the Help link in the top right-hand corner of the page. Click the Contact Us link, and then select the Help By Phone link.


Listing Qualification Requirements. For an individual listing to qualify for PayPal Buyer Protection, the seller must:


List the item on eBay.com, eBay.ca, eBay.co.uk, eBay.de, eBay.fr, eBay.it, eBay.au, eBay.be, eBay.nl, eBay.at, eBay.ch, eBay.es and eBay.ie.


Select PayPal as an accepted payment method during the eBay listing process and provide his or her PayPal email address. If the seller is listing the item through the Sell Your Item form, this information is entered in Step 4: Payment & Shipping. Sellers can also list with bulk listing tools or 3rd party listing services, but it is the seller's responsibility to ensure that PayPal is selected as an accepted payment method.


The item sold in the listing must be a tangible, physical item or good which can be sent in the post. All other items are ineligible for PayPal Buyer Protection coverage, including but not limited to intangible goods, services, quasi-cash, gift certificates and downloadable or streaming content. Motor vehicles (including cars, motorcycles, boats and planes), and Live Auctions will not be covered. In addition, items prohibited in the PayPal Acceptable Use Policy are ineligible for coverage. If an item does not meet the requirements in this section b.3, it is ineligible for PayPal Buyer Protection coverage, even if the PayPal Buyer Protection Seal is displayed in the item listing.


Buyer Qualification Requirements. To qualify for PayPal Buyer Protection on a qualified listing, the buyer must:


Send a single PayPal payment for the full price of the item to the PayPal account specified by the seller in the listing. A buyer may send the payment to any email address associated with the seller's PayPal account. If the buyer sends payment to a different PayPal account, even at the seller's request, the transaction will not be covered by PayPal Buyer Protection. If PayPal discovers sellers requesting payment be sent to a different PayPal account than the one originally used in the listing, that seller may be investigated.


Associate the PayPal payment with the eBay listing. For example, when paying through the Send Money tab, the buyer must select "eBay Item" as the payment type and must enter the correct Item Number before making the payment.


File the claim within 45 days of the date of the payment, as described in 4.e below.