PayPal Chargeback Fraud

ch1717

Hey guys and girls

I guess I am writing this as a real last resort and seriously hoping someone can pop up as my 'angel in disguise' to help me out with this.

To cut a long story short - I sold a near-new PS3 on eBay for £250 in April. 2 months later, the buyer suddenly claimed that someone else had used their card and issued a chargeback claim. PayPal have decided to refund the buyer, who still to the best of my knowledge has the PS3 which was signed for upon delivery, and are now asking for £250 from me in addition to me being sat here without the PS3.

My PayPal balance is now at -£250. I have been told that I need to bring this back to a healthy balance, but under the section of 'due dates', none were listed. I am now wondering, if I don't pay any money into that account, what's going to happen? What will they realistically do? How far will they take this? Does anyone have similar experiences with this type of case?

As a 150+ positive feedback seller on eBay, I know I have been scammed. I know this was planned, and right now the buyer is sat with a PS3 as well as £250 refund from PayPal/their credit card issuer. I'm sat here without a PS3 and being told to pay £250. Ouch, I know.

I really hope I have explained this situation well enough, and hope even more someone can help me out with some advice.

All the best,
Chris.

cyberbob

As long as you have proof of posting you can defend this to paypal and will be covered. If you have this phone paypal and they will give you a fax number so you can fax a copy to them. Or if your online tracking is still live that will cover you also. Either of these give you full paypal cover

mitsubishiash

cyberbob wrote: »

As long as you have proof of posting you can defend this to paypal and will be covered. If you have this phone paypal and they will give you a fax number so you can fax a copy to them. Or if your online tracking is still live that will cover you also. Either of these give you full paypal cover

Yes, however if you don't, then you're screwed. An expensive lesson in record keeping!

cyberbob

mitsubishiash wrote: »

Yes, however if you don't, then you're screwed. An expensive lesson in record keeping!

Yes it can be you need to keep all proof of posting for at least 6 months

ch1717

I provided them with the proof of postage but PayPal claimed that this was not this issue. Whether or not the item was delivered/signed for was never disputed. The fact that was and still is the issue is that someone else used a card that did not belong to them... Worrying times!

Giggles_Fairy

so was it not sent to the paypal registered address of the buyer?

theonlywayisup

ch1717 wrote: »

I provided them with the proof of postage but PayPal claimed that this was not this issue. Whether or not the item was delivered/signed for was never disputed. The fact that was and still is the issue is that someone else used a card that did not belong to them... Worrying times!

I am not sure who is confused here, you or them. Seller protection from Paypal will cover ANY card chargeback with a simple Certificate Of Posting. Nothing else. Do not use the tracking as on this occasion, this will NOT suffice, just the slip the PO gave you when you posted it.

If you did not adhere to SP rules then you won't be covered, but if you send to the PP registered address (which is why they want the COP and not tracking) and sent it within 7 days (again why its th COP and not tracking) you WILL get your money.

soolin

I agree, I have won a case merely with proof of posting but I did have to remind paypal of their own rules.

ch1717

Giggles_Fairy wrote: »

so was it not sent to the paypal registered address of the buyer?

Thanks for all of the replies so far - this case is as confusing to me as it is to you!

The fact is that the credit card registered address on PayPal was a verified address and that was the address that I sent the PS3 to. To verify an address, someone has to be able to prove that their name is linked to their address by either a credit card statement or a utility bill. So, the simple fact is that the PS3 is at the address that is verified to the buyer!! ...but I am still being asked for £250. It's completely crazy and makes no sense at all

soolin

ch1717 wrote: »

Thanks for all of the replies so far - this case is as confusing to me as it is to you!

The fact is that the credit card registered address on PayPal was a verified address and that was the address that I sent the PS3 to. To verify an address, someone has to be able to prove that their name is linked to their address by either a credit card statement or a utility bill. So, the simple fact is that the PS3 is at the address that is verified to the buyer!! ...but I am still being asked for £250. It's completely crazy and makes no sense at all

Then phone paypal and tell them they are failing to understand their own rules.

A chargeback cna be defended by proving that you sent the item to the address paypal supplied. That is all you need to do.

The verified bit etc doesn't matter, all that matters is that the transaction showed that the goods were 'OK to send' and that there was seller protection.

Find the relevant bit on paypal and quote it back to them.

rose28454

ch1717 wrote: »

Thanks for all of the replies so far - this case is as confusing to me as it is to you!

The fact is that the credit card registered address on PayPal was a verified address and that was the address that I sent the PS3 to. To verify an address, someone has to be able to prove that their name is linked to their address by either a credit card statement or a utility bill. So, the simple fact is that the PS3 is at the address that is verified to the buyer!! ...but I am still being asked for £250. It's completely crazy and makes no sense at all

I would contact PayPal again by phone tommorow and quote their own rules to them which you seem to have followed. Then I would contact the buyer and tell them you are going to the police to report them for fraud and then to the Small Claims court to get back your money. I know that seems a bit extreme but I think even a threat of those 2 things might yield a result. They signed for it so they cant deny it!