Ebay, paypal, and visa debit chargebacks?

crescend0

Hello there!

A week ago I bid on a phone on ebay, costing just over £100. The seller didn't have great feedback, but the phone was going quite cheap so I took a risk and bought the item. Knowing it was a gamble I paid via paypal and made sure I used my visa debit card as the funding source, as I'd heard the buyer protection with paypal can be unreliable and if you use a visa debit card you can perform a chargeback to get your money back.

The item should have arrived by now (it was supposed to be sent first class recorded). It's possible he's just late sending it but I want to be prepared. My question is if the item doesn't come in the post soon should I open a paypal dispute first, or go straight to my bank and ask for a chargeback? If I opened a paypal dispute and they went in favour of the seller and didn't refund me (I doubt they would but just for argument's sake), then could I still ask my bank for a chargeback? I've tried to read up on how all this stuff works but can't seem to fully grasp it.

Cheers

RFW

crescend0 wrote: »

Hello there!

A week ago I bid on a phone on ebay, costing just over £100. The seller didn't have great feedback, but the phone was going quite cheap so I took a risk and bought the item. Knowing it was a gamble I paid via paypal and made sure I used my visa debit card as the funding source, as I'd heard the buyer protection with paypal can be unreliable and if you use a visa debit card you can perform a chargeback to get your money back.

The item should have arrived by now (it was supposed to be sent first class recorded). It's possible he's just late sending it but I want to be prepared. My question is if the item doesn't come in the post soon should I open a paypal dispute first, or go straight to my bank and ask for a chargeback? If I opened a paypal dispute and they went in favour of the seller and didn't refund me (I doubt they would but just for argument's sake), then could I still ask my bank for a chargeback? I've tried to read up on how all this stuff works but can't seem to fully grasp it.

Cheers

If it doesn't arrive and the seller cannot prove delivery then you will get a refund from Paypal. You get more protection with a credit card for purchases over £100, not sure a debit card gives you any better protection than Paypal.

soolin

You say the feedback isn't good, what does it mention specifcally? If it is items not received then as has been said by RFW you are covered by paypal, the difficulty may arise if the feedback indicates poor or damaged stock as a paypal win is not 100% guaranteed and a debit chargeback will be almost impossible if you actually have the item.

frivolous_fay

For the record, PP's buyer protection is actually pretty good.
However, you've been misinformed - funding payments with debit cards leaves you with essentially no backup in the event of PP failing to recover your money. Banks are rarely willing to entertain any 'chargeback'. Credit cards tend to be much more accommodating.

cyberbob

If you wanted extra cover it needed to be funded by a credit card not a debit card. As others have said Paypal buyer protection is pretty good