PayPal 'Unauthorised claim' (chargeback) HELP!!!

Mista_C

This is probably a long shot and I'm not sure whether it would work in this case (someone with more knowledge/info on this please help) but could you not call the bank saying your credit/debit card has been lost and have it cancelled?

Proc

Mista_C wrote: »

This is probably a long shot and I'm not sure whether it would work in this case (someone with more knowledge/info on this please help) but could you not call the bank saying your credit/debit card has been lost and have it cancelled?

Bingo. I was literally just about to reply stating the same thing.

Cut up your card into pieces...and "accidentally" lose it in the dustbin. Then call the bank and tell them it's lost.

PayPal can cry for their £500.00. You'll probably find that they lock your eBay account but oh well. It's scary how little protection that sellers have.

I'm still shocked that eBay/PayPal don't do some kind of account authentication - even certain video games allow you to download an app on your smart phone that generates a code that must be entered before you can log in to your account.

If I went into an internet cafe and and inserted a discrete USB keyboard logger (available freely for about a tenner) I reckon I'd get hundreds of PayPal details in a week. Using an authenticator would stop this dead.

custardy

stevew8975 wrote: »

This is meaningless in any paypal case - they require online proof of delivery. The seller could have a DNA sample, original birth certificate and various members of the buyers' extended family hidden the basement as "proof", but it still doesn't mean that paypal will accept it and find in the sellers favour.

I know this isn't what you want to hear, but no point sugar-coating it. As many have said above, your only hope is a civil case against the "buyer"/person who collected the item. This is a well worn scam, and I've yet to see or hear of anyone who has successfully claimed against paypal in such an event.

proof of posting would be enough for a chargeback

George_Michael

This is probably a long shot and I'm not sure whether it would work in this case (someone with more knowledge/info on this please help) but could you not call the bank saying your credit/debit card has been lost and have it cancelled?

Cut up your card into pieces...and "accidentally" lose it in the dustbin. Then call the bank and tell them it's lost.

Apart from being attempted fraud, I don't see how this idea could possibly work.
The OP has registered the card in question with their Paypal account, which would be tied into their home address and there is a chance that their IP address might also have been logged at some time.
The original dispute was also opened at least 10 days ago, and the bank would want to know why it has taken the OP so long to inform them about a lost card.

It would also make it extremely difficult for the OP to explain if they have used the card for any purchase since they tied it to their paypal account.

Mista_C

George_Michael wrote: »

The OP has registered the card in question with their Paypal account, which would be tied into their home address and there is a chance that their IP address might also have been logged at some time.

I'm sorry, I'm not sure I follow this. Why would the OPs IP and home address being logged on Paypal be a problem? OP sold a TV, put the money in the bank, Paypal (via whatever means) now claim the money must be returned to the buyer as the buyer's account was used fraudulently although the only evidence is the word of the buyer. Whichever way you look at it the OP is a victim here.

The original dispute was also opened at least 10 days ago, and the bank would want to know why it has taken the OP so long to inform them about a lost card.

The OP needn't have lost the card on the day of the sale, the OP could have lost the card anytime since. The idea isn't to defraud the bank, it's to stop Paypal in their tracks so the OP doesn't lose out on the sale of their TV.

It would also make it extremely difficult for the OP to explain if they have used the card for any purchase since they tied it to their paypal account.

The OP could have lost the card today, the point is to stop Paypal acting on the card by having the card nullified.

RobertoMoir

Mista_C wrote: »

This is probably a long shot and I'm not sure whether it would work in this case (someone with more knowledge/info on this please help) but could you not call the bank saying your credit/debit card has been lost and have it cancelled?

And this would achieve what, precisely? Because this wouldn't make paypal say "oh alright then" and go away crying, if that's what you're suggesting. Depending on how the paypal account is set up, it might not stop them debiting the bank account either.

Mista_C

RobertoMoir wrote: »

And this would achieve what, precisely? Because this wouldn't make paypal say "oh alright then" and go away crying, if that's what you're suggesting.

It would stop Paypal from drawing funds from the card directly and give the OP a chance of fighting Paypal's decision. If Paypal just go ahead and take back the money then the OP doesn't have a chance in hell of arguing their case.

Depending on how the paypal account is set up, it might not stop them debiting the bank account either.

The OP has explained how their account was setup. Having deactivated the DD the only course available to Paypal is via the credit/debit card. Cut off their ability to draw on that card and Paypal are forced to either drop the matter, chase the OP in a way which the OP has a chance to fight their corner, or refund the buyer using their insurance (assuming Paypal bother with insurance).

George_Michael

Mista_C wrote: »

I'm sorry, I'm not sure I follow this.
...
The OP needn't have lost the card on the day of the sale, the OP could have lost the card anytime since. The idea isn't to defraud the bank, it's to stop Paypal in their tracks so the OP doesn't lose out on the sale of their TV.

The OP could have lost the card today, the point is to stop Paypal acting on the card by having the card nullified.

But it wouldn't matter if they claimed that they lost the card today.
The card was in their possession when the details were added to their paypal account as a funding source, so even if the card is cancelled and a new one issued, paypal will still have been given permission by the OP to take whatever is owed from the bank account that was linked to that card.

I lost (or had stolen) my Maestro debit card, and when I contacted the bank to cancel it and get a new one issued, they told me that any transactions that I had authorised on the old card would be automatically switched to the new one.

Simply cancelling a card doesn't mean that any agreements, debits or contracts set up on using that card are cancelled.

vickynleon

to be honest with you you probally havent got any hope at all, same thing happened with me back summer last year and paypal will just not listen to you and you are not covered in anyway, lucky for me i was wrongly advised by a paypal advisor so after telephone after telephone call for a couple of weeks and crying and screaming down the phone i finally got it sorted and they did release the funds as a good will gesture but if i hadnt of wrongly been advised they would not have refunded.

i have learned a very big lesson and since cancelled my paypal account. never ever let anyone pick up and item paid for by paypal!!!!

you could always find out the address on paypal and pay them a visit, thats what my partner done and the thick girl had let her friend use her paypal apparently.