Help, I have been scammed & lost everything. *stressed*

gb12345

cloud360 wrote: »

do debit cards have section 75?

No, you have to rely on a chargeback - which does not have the power of the law behind it.

cloud360

gb12345 wrote: »

When you do this PayPal asks for a delivery address or a confirmation that physical delivery is not required - which option did you choose?

Also, where/how did the invoice you mentioned before arrive?

They sent me an excel invocie. i have that saved and gave it to card company, and then told me to pay to their paypal

cloud360

Funky_Bold_Ribena wrote: »

WHAT ACTUALLY HAPPENED?

Flippin heck - if you don't tell people what actually happened then they can't actually help you.

post 61:

Send money > payment for goods or services > added description and url of product I want, gave an amazon url as it is also available for sale on amazon so amazon can see exactly what it is as amazon listing are detailed > chose co-operative debit card as funding method > paid.

5 days later scammer deleted me on skype (am assuming its because they already withdrew money), I opened a claim, and sellers tells paypal i paid for services when i didnt.

paypal closed case so quickly and went in favour of seller. I researched this on itnernet.

if you just tell paypal "buyer bought intangible goods" or "services". paypal just close the case always in bsellers favour.

I am, so stupid, but please someone help me by sharing your experience with chargebacks against paypal.

soolin

This is the section 75 thread from the forum team- I really can't make heads or tail of this story so don't know if it applies or not.

https://forums.moneysavingexpert.com/discussion/1204195

gb12345

You could also try complaining to the Financial Ombudsman as PayPal are part of their voluntary jurisdiction.

gb12345

cloud360 wrote: »

They sent me an excel invocie. i have that saved and gave it to card company, and then told me to pay to their paypal

Unfortunately, that is worthless - anyone could knock up/change an invoice in Excel.

cloud360

gb12345 wrote: »

You could also try complaining to the Financial Ombudsman as PayPal are part of their voluntary jurisdiction.

yeh, i think i can only do that if card company dont do chargeback

theonlywayisup

cloud360 wrote: »

Send money > payment for goods or services > added description and url of product I want, gave an amazon url as it is also available for sale on amazon so amazon can see exactly what it is as amazon listing are detailed > chose co-operative debit card as funding method > paid.

5 days later scammer deleted me on skype (am assuming its because they already withdrew money), I opened a claim, and sellers tells paypal i paid for services when i didnt.

paypal closed case so quickly and went in favour of seller. I researched this on itnernet.

if you just tell paypal "buyer bought intangible goods" or "services". paypal just close the case always in bsellers favour.

I am, so stupid, but please someone help me by sharing your experience with chargebacks against paypal.

I suspect this is why your claim was refused.

You must supply the URL you BOUGHT from, not another.

Is there an URL relating to the items you bought - from the website, you must use the website you had the items from directly.

cloud360

soolin wrote: »

This is the section 75 thread from the forum team- I really can't make heads or tail of this story so don't know if it applies or not.

i paid using debit card?

so does section 75 apply

theonlywayisup

OP, I think credit and debit cards will have differing rules in your country (assuming you bought from a non UK country) therefore you should look for help at a website that can assist with further clarification on that.

But as regards Paypal, your incorrect URL will have undoubtedly lead to the claim being refused.