Warning! Don’t use PayPal to pay on a credit card

Patr100

warty wrote: »

Maybe things have changed, but in 2008 I made a couple of online purchases (not from Ebay , from retailers' own sites, but paid via Paypal ), but did not receive the goods. I raised disputes with/via Paypal, and they found in my favour - but told me that they could not refund my money as the retailers had zero account balances in their Payal accounts. At that time at least, Paypal would only refund by taking the money directly from the retailer.
I raised clams with my credit card co. (Barclaycard Visa) as I used that to fund my Paypal account. They refunded me without fuss and Barcaycard pursued PayPal for the amounts - £180, and £360.

That's a long time ago, now if my account is anything to go by, if your balance can't meet any payment, then they have a bank account or debit/credit card number which they can make a charge from.

grumbler

Things didn't change. Chargeback against Paypal is possible, but the article and the thread are about Section 75 protection, not chargeback.

warty_2

grumbler wrote: »

Things didn't change. Chargeback against Paypal is possible, but the article and the thread are about Section 75 protection, not chargeback.

The title of the tread is not specific about chargeback or section 75.
I am not very smart - all I know is that I successfully recovered my £540 from Paypal BECAUSE I had paid via my credit card.
From that time I removed my bank-account details and debit card details from paypal, and use only a credit card.

warty_2

Patr100 wrote: »

That's a long time ago, now if my account is anything to go by, if your balance can't meet any payment, then they have a bank account or debit/credit card number which they can make a charge from.

Most unscrupulous sellers or deliberate scammers will at some point remove their card /bank account details from Paypal - and perhaps close those accounts also.
What I was surprised to discover (at THAT time) was that Paypal themselves were not indemnifying me from fraudulent transactions - they simply said basically "we have found in your favour, but as we can't recover money from the seller we will not be returning your money".


I do not know if their "protection" works any differently these days. Perhaps it does.

grumbler

warty wrote: »

The title of the tread is not specific about chargeback or section 75.

The hint is 'credit card'.
Chargeback is equally applicable to debit and credit cards.
S75 - to credit cards only.

I am not very smart - all I know is that I successfully recovered my £540 from Paypal BECAUSE I had paid via my credit card.

How do you know that it was because the card was credit?

S75 exists for many decades and CC companies have always be using 'intermediary' excuse for rejecting S75 claims.

MSE articles:

• Visa, Mastercard & Amex Chargeback
• Section 75 refunds

Patr100

warty wrote: »

Most unscrupulous sellers or deliberate scammers will at some point remove their card /bank account details from Paypal - and perhaps close those accounts also.
What I was surprised to discover (at THAT time) was that Paypal themselves were not indemnifying me from fraudulent transactions - they simply said basically "we have found in your favour, but as we can't recover money from the seller we will not be returning your money".


I do not know if their "protection" works any differently these days. Perhaps it does.

You specifically said in your original post you did not receive the goods. Current PayPal policy says:

Buyer Protection

If an eligible item that you’ve bought online doesn’t arrive, or doesn’t match the seller’s description, our Buyer Protection will reimburse you for the full amount of the item plus postage and packaging costs. Buyer Protection covers all your online purchases, on eBay or on any other website, when you use PayPal.

hedger44

We paid for a holiday cottage through Trip Advisor's H-Lets service, mistakenly thinking we would be safeguarded. It was misrepresented as a 1 bedroom when it was only a studio, being disabled and having had problems booking anything in the area, we knew there was nowhere suitable to go to instead within the timeframe allowed. The owner refuses to even speak to us, TripAdvisor says we had to have left by midnight to be covered, well, actually, Trip Advisor keeps changing their reasons ...
... however, the problem with trying to deal with the Credit Card provider is that although we paid Trip Advisor, the contract is with the owner, so the link is broken and we are having a very difficult time.

Vems

Hope it's ok to ask a Paypal question here. I bought a single bed on Ebay (under £100) which after 6 months' use can't be used as the base slats keep falling through to the floor. I messaged the seller via Ebay several times - no reply. Paypal gave me their telephone number - unobtainable. Paypal say that as 180 days have expired they cannot help. This can't be right - why are they letting an unscrupulous seller continue to trade on their site and con more buyers. I have contacted my credit card company but want Paypal to take action and recognise this is not good enough. What should I do next re Paypal. Thanks.

grumbler

Paypal is just a payments processor.
You can complain to ebay, but they can't really help you.
Your only recourse is against the seller and it's only SCC action, but for this you need the seller details (name, address) and even if you win enforcing can be a problem if the seller doesn't have any assets.

• Consumer Rights
• Small Claims Court

d123

Vems wrote: »

I bought a single bed on Ebay (under £100) which after 6 months' use can't be used as the base slats keep falling through to the floor.

Have you considered screwing or gluing the slats into place? Seems like an easier, more logical way to fix the problem.