Paypal reversal

soolin

Jamie_Carter wrote: »

Many of Paypal's own t&c's don't comply with the law. So when you have a battle on your hands with them to get your money back you need as much evidence in your favour as possible. The OP has tracking info, and this will help.

OP now has their money back.

As was mentioned earlier in the thread it is worth phoning paypal and reminding them of their own policy. I don't get many claims at all, but in the past couple of years have easily won two, possibly three from memory claims of 'fraudulent use of card' or other bank chargeback with very little effort and having only used basic 2nd class postage with Proof of posting.

theonlywayisup

Policy was updated on 9 oct and whilst the screenshot now shows two x marks for unauthorised chargebacks, the wording remains.

In conclusion, a certificate of posting is sufficient to defend an unauthorised chargeback but tracking still remains the same for INR.

So nothing has changed in the policy. And it is not saying BOTH proof is needed, just one.

It should be worth noting that the T&C at first cursory glance have been streamlined, not least to remove any requirement now for a signature a which we knew was happening. But I cannot see any reference to posting within 7 days...

I will have a good read through later and update the postage sticky.

Good news for sellers but probably a dash for buyers when items marked as delivered to walkabouts by dodgy couriers.

the_lunatic_is_in_my_head

theonlywayisup wrote: »

3. Chargeback/reversal.
This can take the form of a 'security review' where you are given the option of refunding or waiting for the outcome of the review. Or it will take the form of an unauthorised chargeback - where the buyer is either aware or not. This can be a chargeback via the credit card for non delivery or snad (confusingly), or with the cardholder/account holder saying the transaction is fraudulent. These only need a certificate of posting. They do give the option to add tracking if you need, but as this is a money saving site, we prefer to give the free cop/pop option.

I hope that clarifies.

You forgot the one where Paypal blame the bank, the bank blames Paypal and the buyer is blissfully unaware anything has happened until they are contacted by the seller!

If you have a COP great but the following applies if you don't, in most cases the buyer is more than happy to pay again, I think I've only had 1 reversal which was actually a fraudulent buyer (i.e using someone else's card/bank account) over the years.

4/5 buyers pay when contacted, a polite email explaining the situation without any accusations either results in repayment or the buyer sorting the problem so Paypal remove the hold.

The rest either don't use eBay often or take advantage of the situation for a free item, out of these 2 were relatively expensive and a notice before action in the post demanding payment worked a treat.

theonlywayisup

the_lunatic_is_in_my_head wrote: »

You forgot the one where Paypal blame the bank, the bank blames Paypal and the buyer is blissfully unaware anything has happened until they are contacted by the seller!

If you have a COP great but the following applies if you don't, in most cases the buyer is more than happy to pay again, I think I've only had 1 reversal which was actually a fraudulent buyer (i.e using someone else's card/bank account) over the years.

4/5 buyers pay when contacted, a polite email explaining the situation without any accusations either results in repayment or the buyer sorting the problem so Paypal remove the hold.

The rest either don't use eBay often or take advantage of the situation for a free item, out of these 2 were relatively expensive and a notice before action in the post demanding payment worked a treat.

Yes, but we are talking about fact not what *may happen. The cop is a valid document to enable seller protection and thus you retain your money.

It may be the customer is unaware (and I did actually state that in the post). However, we aren't talking about every single scenario otherwise where would it end. We are talking about how to protect yourself for free with a cop.

the_lunatic_is_in_my_head

theonlywayisup wrote: »

It may be the customer is unaware (and I did actually state that in the post).

That was a dig at Paypal and their ineffectiveness rather than your advice.

theonlywayisup wrote: »

However, we aren't talking about every single scenario otherwise where would it end. We are talking about how to protect yourself for free with a cop.

I understand and agree but Paypal reversals are often very misunderstood and very few people know what to do, equally not everybody gets a COP for many various reasons. My main point was that despite the wording on Paypal's email for the reversal, most buyers are 'innocent' and happy to resolve so if you don't have a COP, don't panic.

zorber

Glad i found this tread it has given me hope.

Sold an electrical item for £250. Sent it Special delivery on 26th Sept. On the 16th the buyer opened up an unaurthorised transaction on paypal..

I have the COP and tracking number which shows it was delievered. Unfortunately i dont have the email to say if i was eligable for seller protection but i will presume i was as he has a confirmed address.

Ihave uploaded my COP and sent in my tracking number.

Is it a case of waiting now for paypal to make a decision or do i now need to do something else. Before i read this thread i thought i was screwed but now i think i may stand a chance of getting my money back.

soolin

zorber wrote: »

Glad i found this tread it has given me hope.

Sold an electrical item for £250. Sent it Special delivery on 26th Sept. On the 16th the buyer opened up an unaurthorised transaction on paypal..

I have the COP and tracking number which shows it was delievered. Unfortunately i dont have the email to say if i was eligable for seller protection but i will presume i was as he has a confirmed address.

Ihave uploaded my COP and sent in my tracking number.

Is it a case of waiting now for paypal to make a decision or do i now need to do something else. Before i read this thread i thought i was screwed but now i think i may stand a chance of getting my money back.

AS above though, assuming you were ligible- if paypal decide against you just phone them up and remind them of their own rules. I am quite an impatient person and opted to phone paypal every few days to nag them to release my funds.

The last one I had took about a month to resolve, but I did get my money released with just the COP (no tracking at all)

lijaloo

If they find against you raise a complaint with the FSA. I did this a while ago over a chargeback. The FSA took details over the phone and wrote to paypal on my behalf. From memory paypal had 8 weeks to respond, in the meantime the FSA sent me forms to escalte the complaint but paypal decided "as a gesture of gooodwill" to refund the amount of the chargeback plus the £7 (or was it £9) they charge for being "overdrawn"

Jamie_Carter

lijaloo wrote: »

If they find against you raise a complaint with the FSA. I did this a while ago over a chargeback. The FSA took details over the phone and wrote to paypal on my behalf. From memory paypal had 8 weeks to respond, in the meantime the FSA sent me forms to escalte the complaint but paypal decided "as a gesture of gooodwill" to refund the amount of the chargeback plus the £7 (or was it £9) they charge for being "overdrawn"

That would be the Financial Ombudsman Service, and not the FSA, as the FSA can't act on individual disputes.

lijaloo

Jamie_Carter wrote: »

That would be the Financial Ombudsman Service, and not the FSA, as the FSA can't act on individual disputes.

Might well have been the financial ombusman but I went via the FSA consumer helpline for guidance.