Paypal, Credit cards and Section 75 [refunds]

bingo_bango

Cheers Soolin. It was actually the OFT link I was looking for though. I'll check tomorrow at work for it.

SpammyTheSpammer

soolin wrote: »

... paypal help pages being about as sueful as a chocolate teapot ....

Actually suefull? Or possible, just about, slightly, on occasion useful?

soolin

SpammyTheSpammer wrote: »

Actually suefull? Or possible, just about, slightly, on occasion useful?

My brain says one thing and my fingers type another, my regulars are used to my back to front spelling!

BFG_2

bingo_bango wrote: »

BFG, can you quote the sources for the above please?

1st post

http://www.wider-implications.info/case_studies/wi_03.html


2nd post

can't find it again but was from Which Online

BFG_2

In summary

Some cc cos will allow Section 75 claims, some won't [Financial Ombudsman supports 'not covered by section 75']

ALL cards have to allow a chargeback [even Payapl admit this] - but there is a time limit [120 days iirc]

BFG_2

One consequence of forcing a chargeback is that eBay will [possibly/probably????] close your ebay acct.

This might partly explain why you sometimes see perfectly good ebayers with 100% feedback who suddenly end up as NLARU??

Does anyone have a feel for how often this actually happens?

BFG_2

So it's been established that the best way to use Paypal [if you have to] IS with a cc [even though you're not as fully protected as for 'direct transactions'???

In order of preference......

CC direct to the merchant [most merchant can take cc's over the phone]
Paypal - funded by cc [BTW don't leave 'cash' in here if you sell as well]

I would recommend NOT using ....

Paypal - topped up with cash
Chq/cash/postal orders
Western Union/Worldpay -electronic money

Not sure about interbank transfers etc - what protection is there [less than cc for definite]

HTH

destinystarbuck

Thanks for all the good info

soolin

BFG wrote: »

One consequence of forcing a chargeback is that eBay will [possibly/probably????] close your ebay acct.

This might partly explain why you sometimes see perfectly good ebayers with 100% feedback who suddenly end up as NLARU??

Does anyone have a feel for how often this actually happens?

I don't think it actually happens very often, I didn't even get a warning when I was going through the procedure.

Another forum I use have a number of people going through S75 for refunds on MJ tickets where sellers are refusing to sell and one emailed paypal support about doing a claim and got the standard warning back about yes it is possible to reclaim under S75 via paypal but that it is against the user agreement they signed up to and may mean their account is reviewed and closed.

soolin

BFG wrote: »

So it's been established that the best way to use Paypal [if you have to] IS with a cc [even though you're not as fully protected as for 'direct transactions'???

In order of preference......

CC direct to the merchant [most merchant can take cc's over the phone]
Paypal - funded by cc [BTW don't leave 'cash' in here if you sell as well]

I would recommend NOT using ....

Paypal - topped up with cash
Chq/cash/postal orders
Western Union/Worldpay -electronic money

Not sure about interbank transfers etc - what protection is there [less than cc for definite]

HTH

I wouldn't buy anything expensive once I had exhausted your 1st two payment options. If I cna't involve my credit card somewhere then I don't buy.