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paypal payment reversed after 3 weeks

I sold a boxset dvd and the buyer paid 3 weeks back via paypal now it has been reversed by the bank. What should i do to reclaim money back thankyou for any advice in advance.
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Comments

  • soolin
    soolin Posts: 73,442 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    What did the email actually say, was it a claim for fraudulent use?

    If so upload a scanned pic of your proof of postage and then remind paypal you are covered against such an eventuality.
    I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.
  • mrs_lds
    mrs_lds Posts: 4,103 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I won, I won, I won!
    This is the email sent

    We were recently notified that a payment you received was reversed by the
    buyer's bank.

    We were recently notified that a payment you received was reversed by the
    buyer's bank for the following reason: The bank is disputing the Direct
    Debit Instruction (DDI)..

    As a result, we have reversed the following transaction:
    Transaction date: 29 May 2009
    Transaction amount: £24.00 GBP
    Buyer's email: afro
    Buyer's name: katy morrison
    Your transaction ID: 1MM460199F974204C

    PayPal is committed to maintaining a safe environment for our buyers and
    sellers. You can help to protect yourself against claims and reversals by
    following the guidelines of our .

    Yours sincerely,
  • tiaria
    tiaria Posts: 269 Forumite
    i have had a couple of reversals recently, one of them i lost as i had sent a code by email so i had no proof of posting, the chargeback was for £9 and because i lost i also had to pay £7 in charges!!!!!!! the 2nd reversal i was covered for as i sent it recorded delivery. i now send everything by recorded or special delivery. both buyers had also left positive feedback before the reversals. it has made me very wary.
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    mrs_lds wrote: »
    This is the email sent

    We were recently notified that a payment you received was reversed by the
    buyer's bank.

    We were recently notified that a payment you received was reversed by the
    buyer's bank for the following reason: The bank is disputing the Direct
    Debit Instruction (DDI)..

    As a result, we have reversed the following transaction:
    Transaction date: 29 May 2009
    Transaction amount: £24.00 GBP
    Buyer's email: afro
    Buyer's name: katy morrison
    Your transaction ID: 1MM460199F974204C

    PayPal is committed to maintaining a safe environment for our buyers and
    sellers. You can help to protect yourself against claims and reversals by
    following the guidelines of our .

    Yours sincerely,

    As a buyer, I've just had a similar email from paypal but mine simply said that the money was collected from my credit card account instead.

    The reason for this is that I nearly always pay via credit card, but on this one occassion I forgot to change the payment method to the credit card.
    Paypal helpfully don't allow you to set the default as the credit card. :rolleyes:

    Anyway, a DD instruction normally is only valid for 12 months inactivity. (sometimes this can be longer, but 12 months is the norm and that's all paypal have)
    After 12 months inactivity, the DD becomes dormant and so any attempt at collection is refused. As I buy via my credit card, paypal hadn't attempted to collect any DD for over 12 months.

    Fortunately for me, this now means paypal have removed my bank account so my paypal account does now default to credit card payment :)

    It appears in this instance,your buyer didn't have a valid back-up source attached to the paypal account. I suggest contacting the buyer in the first instance to see if this is a genuine error rather than something more sinister.
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • mrs_lds
    mrs_lds Posts: 4,103 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I won, I won, I won!
    I have contacted buyer but no reply so far. Watch this space
  • vet8
    vet8 Posts: 877 Forumite
    As a buyer I also had a similar e-mail from PayPal, saying that my bank had "questioned the DD" or similar wording, but when I contacted my bank they denied ever being asked for the money. It turned out it was some fault of PayPal and other posters on here have experienced the same thing.

    The odd thing about this is that I thought everyone had to have a CC registered with PayPal and this guy clearly has not.

    Your only recourse is to get onto the buyer as only they can pay the bill by some method.

    It shows what a pain PayPal can be, you send the item in good faith as you think you have the money and then it is snatched back again.
  • soolin
    soolin Posts: 73,442 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    vet8 wrote: »
    The odd thing about this is that I thought everyone had to have a CC registered with PayPal and this guy clearly has not.
    .


    You are not required to have a credit card registered to use paypal, a bank account is sufficient.
    I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.
  • mrs_lds
    mrs_lds Posts: 4,103 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I won, I won, I won!
    I have contacted the buyer twice no relpy. Does anyone know what I shuold do next? I would be mad if they did not pay up the £24 and got away with it.
  • soolin
    soolin Posts: 73,442 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I would call up buyer details and phone them and also send a recorded letter to their home address telling them that paypal have advised you to take legal advice on this . Try and put the wind up them.

    However I would keep on the back of paypal as well, point out that you sent it having received their instructions to do so and can prove item was sent and expect to be fully covered under seller protection rules. upload a copy of your proof of postage and just keep hassling them. If that doesn't get a real response in a day or two do an official complaint through paypal and hassle them that way as well.
    I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.
  • mrs_lds
    mrs_lds Posts: 4,103 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I won, I won, I won!
    The buyer has no phone number on their details so I will do the recorded letter and hopefully they will pay up. Thanks so much for the advice from everyone
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