Pay pal Question

Dave_Brooker

greenstreetprince wrote: »

and there have never been any cases of ebay fraud with cheque/PO/Western Union payments have there dave?

There are problems with all payment types, some more common than others.

Dave_Brooker

nickyt wrote: »

Soolin, I read the other thread on here about the paypal fraud. I was wondering if something like that ever did happen would I be covered by my credit card if I use that to pay of my paypal. I would also like to thank all of those who took the time to help me out.
Many thanks Nicky

AFAIK if someone does hijack your paypal account you don't lose out, it's just that sometimes it can take a while to sort it all out.

nickyt

Just been reading the fraud thread and went to the link in the last post there it says the following when you read there.

(You haven't said, however PayPal are normally very keen for people to set up a direct debit for withdrawals. If the mrs has this, all she needs to do is contact her bank and *insist* on an immediate refund pending an investigation. The direct debit guarantee covers her in this situation. If the payment was made via a card, then this is more tricky, and basically falls to the goodwill of the bank.)

(It's only viable if you use your bank account to fund your Paypal purchases. If you use a Credit Card then it doesn't apply.

Under the direct debit guarantee, if money is removed from your bank account without your authorisation the bank should investigate and if they find you were not at fault they will refund you).

Thought you had more cover if you used a credit card beginning to wonder if its worth getting paypal the more I read about it. Hope it was ok to add the twos pieces above just wanted to know what other people thought of this information and I don't know how to add links sorry.

Dave_Brooker

nickyt wrote: »

Just been reading the fraud thread and went to the link in the last post there it says the following when you read there.

(You haven't said, however PayPal are normally very keen for people to set up a direct debit for withdrawals. If the mrs has this, all she needs to do is contact her bank and *insist* on an immediate refund pending an investigation. The direct debit guarantee covers her in this situation. If the payment was made via a card, then this is more tricky, and basically falls to the goodwill of the bank.)

(It's only viable if you use your bank account to fund your Paypal purchases. If you use a Credit Card then it doesn't apply.

Under the direct debit guarantee, if money is removed from your bank account without your authorisation the bank should investigate and if they find you were not at fault they will refund you).

Thought you had more cover if you used a credit card beginning to wonder if its worth getting paypal the more I read about it. Hope it was ok to add the twos pieces above just wanted to know what other people thought of this information and I don't know how to add links sorry.

Don't forget that the vast majority of payments made by any means go through without any problems, it's only very few that go pear shaped and thus get reported here....

frivolous_fay

Ok.

Using a direct debit to fund payments will protect you against FRAUDULENT payments, but it won't help you if you WILLINGLY make a payment to someone who then turns out to be a scumbag. (Because you authorised the transaction)

Using a credit card means you can do a chargeback if necessary (check that your credit card doesn't treat paypal like e-money or this won't work)

Personally, all my transactions are funded by credit card, as I know if I count on paypal for refunds they will eventually let me down.

Above all though, choose your sellers carefully and there shouldn't be a problem

nickyt

thank you both very much for your fast replies