Credit cards that allow Section 75 claims against PayPal?

[Deleted User]

Thanks edddy, that was useful. I will mention your links in my complaint.

[Deleted User]

Money-Saving-King wrote: »

You don't need it. eBays 45 day money back guarantee goes way above any UK laws as far as consumer protection goes no matter what country you purchased from.

eBay's 45 day "protection" is a joke. The law in the UK states that, for example, you get the basic 6 month warranty period where faults are assumed to be the manufacturer's fault, and then the remaining SOGA period which can be five or six years for electronics. After 45 days eBay isn't interested and you are on your own.

eBay also requires you to return the item most of the time, at your own expense. The EU has made it very clear that the consumer should not have to incur any cost for warranty issues.

eBay wants to be like Amazon, but due to these kinds of shenanigans it's only really good for 99p items from China or stuff bought from other individuals where the SOGA doesn't apply anyway.

lisyloo

After 45 days eBay isn't interested and you are on your own.

Why should ebay help you?
That's a bit like expecting the landlord of a shop to help you pursue their tenant.
They only provide the "bay" to enable shopkeepers to sell.

eBay wants to be like Amazon, but due to these kinds of shenanigans it's only really good for 99p items from China or stuff bought from other individuals where the SOGA doesn't apply anyway.

I'd agree totally.
It's a shame you didn't work that out beforehand.

tinkerbell28

DELETED USER wrote:

eBay's 45 day "protection" is a joke. The law in the UK states that, for example, you get the basic 6 month warranty period where faults are assumed to be the manufacturer's fault, and then the remaining SOGA period which can be five or six years for electronics. After 45 days eBay isn't interested and you are on your own.

eBay also requires you to return the item most of the time, at your own expense. The EU has made it very clear that the consumer should not have to incur any cost for warranty issues.

eBay wants to be like Amazon, but due to these kinds of shenanigans it's only really good for 99p items from China or stuff bought from other individuals where the SOGA doesn't apply anyway.

Do you not see the difference? Ebay is the equivalent of the Amazon marketplace.

It isn't trying to be Amazon. Amazon is a huge global e retailer in it's own right.

All this SOGA business is irrelevant, EBAY are not the retailer, the seller is. They are the provider of online carboot pitches, if you like.

Ebay can't enforce the law, nor can they over ride it. So it works both ways.

[Deleted User]

lisyloo wrote: »

Why should ebay help you?

Because they made sure that PayPal (which they own, if you didn't know) breaks Section 75, or at least tries to. They banned all other payment methods cheque and cash. With Amazon your Section 75 rights remain in force, no question.

bengal-stripe

DELETED USER wrote:

I asked Halifax about a chargeback but they have a 6 month time limit. Long story short I discovered that the item was fake just outside the time limit......

Don't you realize, this has nothing to do with paypal and all with you having left it too late. There must be a cut-off point somewhere!

Where do you think the time limit should be?

lisyloo

Because they made sure that PayPal (which they own, if you didn't know) breaks Section 75

I'm not sure what you mean by "breaks".
Section 75 does not apply to Paypal.

If Amazon want to offer rights as a servce then that's up to them.

Do you not accept any responsibility for not understanding what you were entitled to beforehand your purchase?
It seems to be their fault for not supplying you with what you want.

Why didn't you use a service that did supply what you wanted - like using a credit card in a shop?

Most people understand there are risks to buying from ebay and that's why they only buy certain goods.

meer53

DELETED USER wrote:

Because they made sure that PayPal (which they own, if you didn't know) breaks Section 75, or at least tries to. They banned all other payment methods cheque and cash. With Amazon your Section 75 rights remain in force, no question.

Neither Ebay nor Paypal "breaks" Section 75.

The Consumer Credit Act stipulates who can and can't be in the Section 75 chain. It's outside Ebay and Paypals control.

There has to be a "debtor/creditor" relationship. In the case of Paypal, (or any other money transfer company) they interrupt this chain.

[Deleted User]

lisyloo wrote: »

I'm not sure what you mean by "breaks".
Section 75 does not apply to Paypal.

Yes, it does apply to PayPal. At least that is what Which?'s legal advice is saying.

They tried to break it because they were getting a massive number of chargebacks from people who were unhappy with their resolution service. I have a few of them myself when I was selling stuff years ago. There is basically nothing you could do, the bank just reversed it and PayPal tried to claw the money back from you.

Taadaa

I doubt any credit card will back you up.

The time limit is now 45 days. I noticed a fault with a chair I bought after around 60 days. Paypal and Ebay wouldn't help, neither would my bank - it was partially paid with a debit card, the rest paypal balance.

The moral of the story is - don't buy anything expensive from e bay.