Paypal wont listen to my proof and say i owe them

Southpark93

theonlywayisup wrote: »

Paypal closed it because there is no protection for the seller. So it is a paper exercise.

You did NOT have 7 days to respond because you are NOT and never were covered.

But you are 19, you will learn in time that T&C are very important.

Well luckily i got the money then, paypal can ask for it all they want, which brings me to another questions, what happens if i dont pay it back ?

Shellish wrote: »

Sadly it seems you also made the transaction outwith eBay. Although like other posters have siad it probably would have made no difference anyway, virtual items cannot be covered. I sold a gift card once and the buyer wanted me to just email her the number, I wouldn't do it preferring to get physical proof of the card having been sent. Its a harsh lesson and I feel for you There are some nasty scammers in the world.

Tell me about it, ive already lost £50 this month ( stupidly lost it when i threw away clothes with it still in , but thats a total of 585 this month that i would have been scammed / lost out on ! i cant afford to lose a 1/4ish of my wage each month

Jen_Jen1985

mckennal05 wrote: »

I know that virtual items are not covered but it doesn't stop there, even through all the foums and sites etc, people with physical goods have the same problem, and for paypal to neglect that virtual items are always sold and bought in the world is ridiculous!, even with 100% proof i traded they surely cant come to ME for the money, its not my fault that this persons account was hacked and used, paypal should pick up on that,

paypal dont suggest that virtual items are not sold, just that they don't cover those types of transaction, which by your own admission you know.
And your proof is the equivalent to someone singing a piece of paper for the paypal on collection scam. How do paypal know you didn't just record you transferring the items to a friends xbox account?
They cant know for sure hence why they don't cover it.

Did you not get the buyers name and address from paypal when they sent you the money? as I said before you may have a possibility of recovering the money that way.

Southpark93

Jen_Jen1985 wrote: »

paypal dont suggest that virtual items are not sold, just that they don't cover those types of transaction, which by your own admission you know.
And your proof is the equivalent to someone singing a piece of paper for the paypal on collection scam. How do paypal know you didn't just record you transferring the items to a friends xbox account?
They cant know for sure hence why they don't cover it.

Did you not get the buyers name and address from paypal when they sent you the money? as I said before you may have a possibility of recovering the money that way.

My recording shows me going from the ebay messages we exchanged and the xbox messages we exchanged, and he confirms he got them, all i have is

1-his paypal email, which i think is a company seen as thou it is ....hank designs.... even thou none of them relate to his name
2- his name
3- his ebay profile ( which says canada )
4 - the xbox profile he used


But he supposedly got "hacked" so he wins no questions asked, sure i could just say ive been hacked and get all money back to, i wanted proof off paypal that multiple IP address had been used to sign in to his accounts if he was hacked, but they werent allowed to give me that information


Dont get me wrong am not arguing with any of you about whats happened, i appreciate the help alot, but am sure if this was you , youd be saying and acting the same, theres no way you would just let £535 go because you weren't a 100% follower of T&c's, but there must be somethingi can do

theonlywayisup

mckennal05 wrote: »

My recording shows me going from the ebay messages we exchanged and the xbox messages we exchanged, and he confirms he got them, all i have is

1-his paypal email, which i think is a company seen as thou it is ....hank designs.... even thou none of them relate to his name
2- his name
3- his ebay profile ( which says canada )
4 - the xbox profile he used


But he supposedly got "hacked" so he wins no questions asked, sure i could just say ive been hacked and get all money back to, i wanted proof off paypal that multiple IP address had been used to sign in to his accounts if he was hacked, but they werent allowed to give me that information


Dont get me wrong am not arguing with any of you about whats happened, i appreciate the help alot, but am sure if this was you , youd be saying and acting the same, theres no way you would just let £535 go because you weren't a 100% follower of T&c's, but there must be somethingi can do

It doesn't matter what proof you have, you have not adhered to Paypal's T&C, so they will not cover you.

Your only redress is via a small claims court and that is slimmer than slim and if he is outside of the UK (as you suggest) then that won't go anywhere.

The only thing you can gain from this is experience.

But don't make further mistakes by assuming you can keep the money. Perhaps do some research on Paypal's debt collectors.

Jen_Jen1985

mckennal05 wrote: »

My recording shows me going from the ebay messages we exchanged and the xbox messages we exchanged, and he confirms he got them, all i have is

1-his paypal email, which i think is a company seen as thou it is ....hank designs.... even thou none of them relate to his name
2- his name
3- his ebay profile ( which says canada )
4 - the xbox profile he used


But he supposedly got "hacked" so he wins no questions asked, sure i could just say ive been hacked and get all money back to, i wanted proof off paypal that multiple IP address had been used to sign in to his accounts if he was hacked, but they werent allowed to give me that information


Dont get me wrong am not arguing with any of you about whats happened, i appreciate the help alot, but am sure if this was you , youd be saying and acting the same, theres no way you would just let £535 go because you weren't a 100% follower of T&c's, but there must be somethingi can do

I do sympathise with you but unfortunatly your video is still not proof. Look at it this way, I could go up to someone and ask if they fancied making a bit of money out of paypal, we send each other messages to make it look like a transaction, I then send £500 to person b via paypal and wait for them to withdraw it. Once the money is in their bank I then tell paypal it was an unauthorised transaction and get the money refunded. Its probably not a regular scam but is possible.

And with regard to the T&C's, I have not read through them cover to cover but I make sure I am aware of the main points, to ensure I don't end up in a similar position. Ive made mistakes with paypal and lost money when I first started selling, thankfully it was only a couple of pounds but its not a mistake I'm likely to make again.

(just want to add, if I'm coming across a bit harsh I don't mean to be, tryin to give you another viewpoint.)

sistafromanothermista

Can you get his address through paypal? Has he an ebay id that you could buy something from to get his address that way?

pinkshoes

mckennal05 wrote: »

Well luckily i got the money then, paypal can ask for it all they want, which brings me to another questions, what happens if i dont pay it back ?

The problem is, you may HAVE the money physically, but you also owe the money.

If you don't pay it back, it will probably go to court for that amount, they will send debt collectors, and you will end up with a CCJ if you don't pay it, which will affect your credit rating for years to come.

This might not mean much to a 19 year old until you come to take a loan out for a car or something, or a mortgage... (and the answer will be NO! - or a very high interest rate!)

Pay Paypal back the money, then start your own investigation.

I bet the account wasn't hacked - it was just someone who saw you coming!

Mandy44

I'd agree with pinkshoes it's your own stupidity for not knowing the rules.

Southpark93

sistafromanothermista wrote: »

Can you get his address through paypal? Has he an ebay id that you could buy something from to get his address that way?

He hasnt sold any items , so i cant get his address that way unfortunately, and paypal wont tell me a single thing

theonlywayisup wrote: »

It doesn't matter what proof you have, you have not adhered to Paypal's T&C, so they will not cover you.

Your only redress is via a small claims court and that is slimmer than slim and if he is outside of the UK (as you suggest) then that won't go anywhere.

The only thing you can gain from this is experience.

But don't make further mistakes by assuming you can keep the money. Perhaps do some research on Paypal's debt collectors.

I just done searches about not paying and theres about 100 different stories, about paypal just emailing and then doing nothing, to debt collectors, to just locking the account,

pinkshoes wrote: »

The problem is, you may HAVE the money physically, but you also owe the money.

If you don't pay it back, it will probably go to court for that amount, they will send debt collectors, and you will end up with a CCJ if you don't pay it, which will affect your credit rating for years to come.

This might not mean much to a 19 year old until you come to take a loan out for a car or something, or a mortgage... (and the answer will be NO! - or a very high interest rate!)

Pay Paypal back the money, then start your own investigation.

I bet the account wasn't hacked - it was just someone who saw you coming!

Like my reply further up this same post, searches havent said anything about a CCJ as such, and i dont think they would take it to court as am sure their cost would be more than 535 to them,

zenseeker

If you don't pay PayPal back now, you'll just end up with debt collectors, court fees piling up and you will end up paying back a lot more than £535

I feel your frustration, I really do, and everyone here wants you to be able to win this situation, but as you failed to read the T&C's PayPal have you over a barrel.

When it comes to trading 'virtual' products the legal waters are muddy.