How to do a Visa Debit Chargeback?

madmish00

I recently purchased some car parts from a breaker through ebay and paid £190 on my Visa Debit via Paypal for a bonnet and bumper.

They have arrived and are quite clearly not from the car shown in the picture and the body shop has advised me that the car has been in a front end collision and the bonnet has rippled as a result. There is also a significant dent in the front of the bonnet and the bumper is very badly scuffed.

I emailed the seller who has said that the items were in good condition when sent and this must be transit damage but it clearly isn't. He will offer a refund but only of the cost of parts not the delivery and in order to do that I have to return the parts at cost to me. This will leave me around £60-70 out of pocket which I am not willing to accept.

I have lodged a dispute with Paypal but was wondering how I would go about making a claim through the chargeback scheme?

And is this something I can claim for as it is his word against the body shop as to whether it is transit damage.

Thanks

dazza.mk

Very doubtful you can, as you didn't pay the breaker with your Visa Debit.

1.You used your Visa Debit to purchase £xx.xx in Paypal funds.
2.You sent the Paypal funds to the breaker.

I doubt your bank will get involved as they will argue they weren't party to the transaction to the above.

You need to complete the Paypal dispute, if Paypal then say that they found in your favour but the breaker had no funds in his account in order for them to refund you .... THEN you could do a chargeback based on the failure of Paypal to refund your card on the failure of Paypal to refund your card (the problems with the breaker are irrelevant at this point).

A_Flock_Of_Sheep

I had a problem on ebay paying via PayPal. I did a PayPal dispute which actually failed. I rang PayPal and they were very unhelpful.

I then did a chargeback and the bank just took the cash back off PayPal within about 7 days. It worked really well. Try the PayPal dispute first because my bank needed to know I had done that first.

Cmdr_Bond

Kind of agree with the above - follow the PayPal dispute to conclusion - if unsatisfactory, then call your bank.

I too have had a refund through the chargeback scheme for eBay goods purchased via my card through PayPal - was yonks ago though, so I can't remember the process I went through.

meer53

Your bank will attempt to action a chargeback for you if your Paypal dispute fails. You will need to return the items to the retailer (the chargeback can only be for the original amount of the transaction so you'll need to pay the cost of the return postage then you have to wait 15 days for them to refund before the chargeback can be actioned) and they will need to chargeback confirming the goods were damaged on receipt. They will also need proof that the goods have been sent back. The retailer might represent the chargeback stating that the goods were ok when he sent them, really it's up to the retailer to start a claim with the courier or whoever delivered them. The main problem with this query is that the goods were second hand, it would help if you have a copy of the original advert and evidence of what you actually received (there is a chargeback right for where goods are "not as described" but your bank will need proof of this.
As previous posters have pointed out, there is also the additional problem of Paypal being the people who debited your account, in theory, they have done whats been asked of them, ie, transferred your money, although we quite often action chargebacks through Paypal and they seem ok but technically they could simply reject your dispute. I don't think they will though, it's worth a try.