What is the best payment to use to buy abroad.

bg2

Hello,

I want to buy a product from abroad but as I have never purchased from abroad before I need advice on how I can protect the payment and what is the best method.

If I buy the product on a credit card and it doesn't arrive or arrives damaged will I be able to claim my money back?

If I buy the product and use paypal, again will I be able to claim it back?


Any help would be greatly appreciated.

Thanks

Plxply

bg2 wrote: »

If I buy the product on a credit card and it doesn't arrive or arrives damaged will I be able to claim my money back?

If I buy the product and use paypal, again will I be able to claim it back?

If it's for over £100 and you pay on a credit card directly (not with Paypal) you'll be protected by Section 75 which is probably the best way to go.

If it's under £100 paying by credit card you can still start a chargeback with your card issuer and also take them to the Ombudsman should you disagree. Although Paypal does seem to weigh more on the consumer side as far as I know you cannot take them to the Ombudsman.

bg2

Thankyou for your reply.

The goods total amount will be over £100 but individually they aren't. Does Section 75 still cover this?

Thanks

Anthorn

It could be a matter of interpretation but I'd say that since the items are individually priced at below £100 then it's not covered by section 75 which covers items costing between £100 and £30,000 or £62,260 where both the goods and credit are from the same company (2011 amendment).

Personally, I would err on the side of Paypal. But as previously mentioned by another poster, Paypal is regarded as a third-party payment processor and not covered by section 75.

bg2

Thanks.

What I'm trying to do is purchase a few items from abroad however the problem lies with the fact I don't know if the Company is legitimate and there is no way of finding out (I don't think). As a result of this, I'm trying to find a 'safe' method to purchase then it wont matter if I don't receive the goods as I can just claim the money back.

Does paypal safeguard the payment? For example, if I purchased 6 items at £20 each and they don't arrive can I claim it back or is there a time limit to raise this? The products will take about 10 days to make and then 20-25 days to deliver.

Also in terms of dealing abroad, I have been told never to pay direct into an individual bank account and always pay into a Company account which makes sense. However, why would I be given an intermediary bank account aswell as a beneficiary? If they are both Company names is it likely that the Company exists?

Thanks for all the help.

zerog

Maybe you should tell us what you are trying to buy and the name of the company.