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PayPal Negative Balance
Comments
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Correct, but you don't know the laws that govern any of this, that is clear, and yet seem to say that some magical ones protect op.
Clearly said laws exist as OP has been refunded.They don't, at least not yet.
How do you explain the refund?First OP must establish that there was a contract and that it was breached. And for that OP will have to go to court, instead of using paypal mediation service which would be available if he went the correct route.
No need money has been returned.
Nothing to go to court for."Love you Dave Brooker! x"
"i sent a letter headded sales of god act 1979"0 -
You really like to ignore anything that doesn't sit with your world view, like most of OP and most of my post do you? Thank god we got that ignore button I am about to press.Brooker_Dave wrote: »Clearly said laws exist as OP has been refunded.
How do you explain the refund?
No need money has been returned.
Nothing to go to court for.0 -
I did not LIE to my bank to get a direct debit indemnity processed. I told them exactly what happened and they agreed to refund the payments. They have also cancelled the direct debit to PayPal. PayPal take the payments as a ‘direct debit’ if your bank account is connected to PayPal.
However, my bank have advised me that once PayPal come back to them then they may have to pay the money to PayPal. To be honest I don’t have an issue with my bank and I understand their position.
Some of you guys need to calm down. I have admitted it was an honest mistake on my behalf, I did not dispute that. I should have looked into whether PayPal gift payments are protected or not instead of just assuming.
What I do have an issue with is the fact PayPal are unwilling to help in any way, shape or form. I have asked them to investigate the scammers PayPal account and they just ignore it and reply back with the same old generic reply. They have made no attempt to even TRY and retrieve the funds back from this scammer. And if they don’t resolve this issue, they I will probably just pay the £730 over the next couple of months and close the PayPal account for good.0 -
And if they don’t resolve this issue, they I will probably just pay the £730 over the next couple of months and close the PayPal account for good.
Thanks for the clarification.
Your Paypal account is finished now anyway, no way back on that one.
So if the funds don't get sucked back you may as well keep them and let Paypal chase the actual criminal.
Now you've got a refund, why give it back???"Love you Dave Brooker! x"
"i sent a letter headded sales of god act 1979"0 -
No one accused you of lying OP, but just as the bank advised you, it may and likely will come back to your liability once they talk in few weeks time. And no matter what sort of reason you will tell the bank, they will refund DDI money right away - that's how it works, validation comes later from an appropriate team.
Why PayPal isn't helping is because in their eyes you are now part of a fraud once you made the DDI claim (even though they are wrong in this case). It's not a new one, many people are conned into buying and transferring PayPal gift cards, just to then get stiffed when, for example, the check they deposited into their bank account (and got from the scammer) bounces as fake, or the promised goods never turn up. And as a result, paypal is the one out money, for nothing wrong they did.
And they really don't have to care about your missing good in this case, as you've transferred a gift, which is without any expressed terms to it. It sucks, it's awful, but also unless you want to chase the scammer across the globe it's best to just settle the account and take it as an expensive lesson.0 -
It would be really helpful, Golf R12, if you could let us know how this pans out, so that people are aware of the process and we have a definitive answer for future reference.I came into this world with nothing and I've got most of it left.0
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.................
I came across an Instagram account which listed some health and beauty products that I was interested in purchasing to re-sell in the UK................. .Brooker_Dave wrote: »S75 and the various consumer laws and regulation of this country overrule any of Paypals rules.
What have uk consumer laws got to do with a business transaction with a US company with the payment sent as a gift?0 -
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That only applies when the DD is with the supplier. Paypal are not the supplier. The bank invoked the DD because the account holder disputed the payment. The bank can reverse that decision.Brooker_Dave wrote: »Of course it's not.
OP used his rights under UK law to reclaim the money under the DD guarantee scheme - for goods that were not recieved.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
What have uk consumer laws got to do with a business transaction with a US company with the payment sent as a gift?
Because when funded with a UK card or account, UK banking regulation overrules Paypal's T&Cs
HTH."Love you Dave Brooker! x"
"i sent a letter headded sales of god act 1979"0
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