Ebay phoned me up saying there coming round to collect some money

Crowqueen

Really? So I'd have to go to court to get my money back?

Count me out. Most online retailers have a way of providing some sort of buyer protection; I wouldn't buy online without some sort of guarantee because it's far too easy to get mis-sold something or lose something in the post. The risk would always be borne by me and I think that is also against consumer law in this country, particularly on sales by description (it's an offence under SOGA to misdescribe an item even if only a private seller).

Some responsibilities need to be enforced, and if PPPay don't enforce those then they can hardly be called legal from that point of view. If you buy from a large website like Amazon your money is protected by Amazon's own proprietary payment system.

In the interests of the ultimate consumer - the buyer - I still wouldn't touch PPPay at all and really can't say it's too attractive to buy online without some form of payment protection other than having to go to law (which costs £30 to do it - not really viable on, say, a £5 book which never turned up recently). A reputable company would be concerned to give buyers extra rights in addition to their statutory rights under law, which are increasing considerably from 2013. Some eBay sellers - and eBid sellers - have to be forced to give their buyers those rights. That's where eBay/Paypal buyer protection steps in. They are really offering protection that you get with some credit card schemes anyway (I know when I lost my camera on holiday my sister asked me how I paid for it and said if I'd asked her to buy it for me on her cc that she could have got insurance against simple loss, never mind on something that was the seller's responsibility).

I'm not a lawyer but ecommerce is making it difficult for anyone who sells online or provides online services, particularly to third-party private or small business sellers, to escape having to adhere to consumer rights. As a buyer I am uncomfortable giving my money to people whom I don't know without some form of backup. Normally if there's a problem I can take an item back to a shop (and I have done it with a £2 pot of dried-up paint in the past - when I bought it and unsealed it it was unusable). So online there has to be something to give buyers confidence to shop by description and not simply by being able to handle the goods before they buy them. Therefore consumer protection has increased, meaning that payment services need to follow suit.

All your protestations are to do with the seller's side of things. Where does the buyer come in in all of this? How could PPPay make it attractive for buyers to use them?

toffe

Crowqueen wrote: »

Really? So I'd have to go to court to get my money back?

Count me out. Most online retailers have a way of providing some sort of buyer protection; I wouldn't buy online without some sort of guarantee because it's far too easy to get mis-sold something or lose something in the post. The risk would always be borne by me and I think that is also against consumer law in this country, particularly on sales by description (it's an offence under SOGA to misdescribe an item even if only a private seller).

Some responsibilities need to be enforced, and if PPPay don't enforce those then they can hardly be called legal from that point of view. If you buy from a large website like Amazon your money is protected by Amazon's own proprietary payment system.

In the interests of the ultimate consumer - the buyer - I still wouldn't touch PPPay at all and really can't say it's too attractive to buy online without some form of payment protection other than having to go to law (which costs £30 to do it - not really viable on, say, a £5 book which never turned up recently). A reputable company would be concerned to give buyers extra rights in addition to their statutory rights under law, which are increasing considerably from 2013. Some eBay sellers - and eBid sellers - have to be forced to give their buyers those rights. That's where eBay/Paypal buyer protection steps in. They are really offering protection that you get with some credit card schemes anyway (I know when I lost my camera on holiday my sister asked me how I paid for it and said if I'd asked her to buy it for me on her cc that she could have got insurance against simple loss, never mind on something that was the seller's responsibility).

I'm not a lawyer but ecommerce is making it difficult for anyone who sells online or provides online services, particularly to third-party private or small business sellers, to escape having to adhere to consumer rights. As a buyer I am uncomfortable giving my money to people whom I don't know without some form of backup. Normally if there's a problem I can take an item back to a shop (and I have done it with a £2 pot of dried-up paint in the past - when I bought it and unsealed it it was unusable). So online there has to be something to give buyers confidence to shop by description and not simply by being able to handle the goods before they buy them. Therefore consumer protection has increased, meaning that payment services need to follow suit.

All your protestations are to do with the seller's side of things. Where does the buyer come in in all of this? How could PPPay make it attractive for buyers to use them?

well thats why i said its a double edged sword, i know if protects buyers and breeds confiedence but if you buy from a website who use say worldpay to process your credit card payment then the rules are pretty much the same as pppay.

they don't operate disdpute processes but yet things tick over fine, ecommerce is a fast growing industry even in the recession and many of the large high street chains going bust blame the consumer trend for online shopping as a major factor so clearly it doesn't worry too many people, if you use a credit rather than debit card you have plenty of protection anyway.

quite why paypal have to allow 45 days for chargebacks is beyond me, when TSB and world pay quoted me for providing merchant services they both insisted i did not over offer the statatory 7 days for return.

for a busines on ebay i'd say its worth biting the bullet on the extended chargeback exposure, even if paypal are effectively rewriting the Distance Selling Regs but when someone who needs a few extra quid sells off some personal items, withdraws the funds and uses them to pay bills, take a holiday or whatever then gets hit withb a chargebaack over a month later followed by debt collection letters and threatening phone calls, despite the fact they don't legally have to refund anyone, thats out of order in my book.

before the days of ebay we all used to buy second hand goods from classifieds in the local paper or loot, we knew we couldn't get refunds yet we all managed fine, if we decided we didn't want it we re sold it. we didn't ask loot to send debt collection letters to the poor soul we bought it off did we.

fadetogrey

tom129 wrote: »

Yeah Ive seen loads of people having received the same letter on other forums ( i did a google search)

I'm just going to ignore them

time to load the sawn off................:cool::cool: