PayPal Chargeback and dept collectors...

conja21

Hello everyone.

A couple of years back I made the very costly mistake of selling a mobile phone on eBay. It was snapped up really quickly and I exchanged numerous emails from the buyer, confirming the sale etc but was cautious after they hadnt paid after a few days. When they eventually did pay, via PayPal, I waited another couple of days so that if anything was dodgy with the transaction either I'd notice or PayPal could intervene. I moved the money from Paypal into my bank account and sent the item, being careful to get proof of posting and awaited the 5 star feedback...

A few days later I got an email from PayPal saying that my account was £200 in the red and that I'd been hit by something called a Chargeback, where the buyer has cancelled the transaction with their bank. I was left owing the money back to PayPal and without my item, something which I was furious about.

The seller wouldnt get back to me, PayPal wouldnt provide me with any support (their customer service is truly appalling!) so I just left it.

The dept owed to PayPal has since been moved to several dept collection companies, the newest being EOS Solutions, but Im certainly not paying for something that wasnt my fault.

Where do I stand? What can I do? I dont want this to affect my life in terms of credit etc.

Please help,

Cheers.

Jack

Mankysteve

You should not have left it. You should have kept pressuring ebay/paypal to sort. which what you need to do now.

gordikin

conja 21 post your query on the ebay board.

woody01

Ignore the DCA.
They have NEVER ONCE enforced this.

They will ninja card you soon saying they wil visit and won't.

Forget about it and get on with your life.

toffe

partially agree with woody. Alot of the time ignoring them works as this woul be very difficult for paypal to prove as a debt in court.

I had it once a while ago and i just told the debt collector that i disputed the debt.

They kept pestering me untill finally we had this converstion which ended the whole thing.

DCA: you owe paypal £xxx do you have a debit or credit card there to clear this amount?

ME: i don't owe paypal anything.

DCA: yes you do.

ME: for what?

DCA: erm..... i don't know......erm fees i assume

ME: impossible, paypal deduct their fees at source.

DCA: sorry, i meant a chargeback.

ME: Really? you don't sound sure. Do you have proof of this chargeback, or any specific details of when it occured?

DCA: no.

Me: Well untill you provide some proof of the debt i'm not prepared to discuss it any further because i maintain that there is no debt owed to them and you have provided no proof whatsover to support your claim.

DCA: ok sir, ill refer it back to paypal.

ME: ok, bye.

Two years on, nothing.

custardy

conja21 wrote: »

Hello everyone.

A couple of years back I made the very costly mistake of selling a mobile phone on eBay. It was snapped up really quickly and I exchanged numerous emails from the buyer, confirming the sale etc but was cautious after they hadnt paid after a few days. When they eventually did pay, via PayPal, I waited another couple of days so that if anything was dodgy with the transaction either I'd notice or PayPal could intervene. I moved the money from Paypal into my bank account and sent the item, being careful to get proof of posting and awaited the 5 star feedback...

A few days later I got an email from PayPal saying that my account was £200 in the red and that I'd been hit by something called a Chargeback, where the buyer has cancelled the transaction with their bank. I was left owing the money back to PayPal and without my item, something which I was furious about.

The seller wouldnt get back to me, PayPal wouldnt provide me with any support (their customer service is truly appalling!) so I just left it.

The dept owed to PayPal has since been moved to several dept collection companies, the newest being EOS Solutions, but Im certainly not paying for something that wasnt my fault.

Where do I stand? What can I do? I dont want this to affect my life in terms of credit etc.

Please help,

Cheers.

Jack

going back to the original point
it was a £200 item
how did you send it?
standard post?
PP provide support when you follow their protocols

by leaving it this long iuts now become a debt due to be paid
had you addressed it at the time you could have fought it

conja21

Thanks for such quick replies everyone! I did try to sort it out at the time but no one seemed to help, Paypals customer services are famously poor. They insisted that it was my problem even though I had done everything correct my end.

I'll post this on the eBay section immediately.

Thanks again!!

custardy

conja21 wrote: »

Thanks for such quick replies everyone! I did try to sort it out at the time but no one seemed to help, Paypals customer services are famously poor. They insisted that it was my problem even though I had done everything correct my end.

I'll post this on the eBay section immediately.

Thanks again!!

but did you? did you send it via a tracked method to the confirmed PP address?

corbyboy

PayPal have a chargeback guide here.

Basically, if you posted via a trackable method to an address provided by PayPal you are pretty much guaranteed to win the dispute.

A chargeback is issued by the credit card provider or the bank so PayPal are pretty much at their mercy. While the transaction is in dispute PayPal hold on to the money, so if it had already been moved to your account, it needs to be moved back until the issue is resolved.

When you say you did everything correctly your end, can you be specific about what PayPal asked you to do? When you say that PayPal didn't provide any support what do you mean? They should have asked you to provide some information which they then would have passed on to the bank. The bank can take a very long time to reply. In the meantime there is nothing PayPal can do.

It sounds like PayPal might have abandoned your claim since you didn't return the money.

toffe

custardy wrote: »

but did you? did you send it via a tracked method to the confirmed PP address?

Worth pointing out that sending the item is enough to legally fulfill your obligation as a seller, sending by a tracked method is a paypal requirement to qualify for their "seller protection policy" and not a legal one.

Also to my knowledge paypal have not made any allegation that the item was not supplied.

So since this matter has now moved away from the ebay/paypal platform into the debt collection/legal arena we should not be losing sight of the fact that if paypal wish to pursue this matter the onus lies squarely with them to prove the debt and not for you disprove it.

So, if you were not happy with the way the matter was handled at the time, if you feel that paypal ignored you when you tried to dispute the debt origionally, do not be fooled by the posts of some that simply because you did not manage to resolve the matter with paypal at the time you are now somehow liable for this sum "by default", you are not.

Demand reasonable proof of liability, if it is not forthcomming do not pay, the dca can not proceed to court without providing reasonable proof of liability.

custardy

toffe wrote: »

Worth pointing out that sending the item is enough to legally fulfill your obligation as a seller, sending by a tracked method is a paypal requirement to qualify for their "seller protection policy" and not a legal one.

Also to my knowledge paypal have not made any allegation that the item was not supplied.

So since this matter has now moved away from the ebay/paypal platform into the debt collection/legal arena we should not be losing sight of the fact that if paypal wish to pursue this matter the onus lies squarely with them to prove the debt and not for you disprove it.

So, if you were not happy with the way the matter was handled at the time, if you feel that paypal ignored you when you tried to dispute the debt origionally, do not be fooled by the posts of some that simply because you did not manage to resolve the matter with paypal at the time you are now somehow liable for this sum "by default", you are not.

Demand reasonable proof of liability, if it is not forthcomming do not pay, the dca can not proceed to court without providing reasonable proof of liability.

I think you mean proving you sent?
and it doesnt relieve the seller of any obligation
their obligation is to provide their buyer with what they paid for