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Section 75 Refund advice on Ebay Purchase

edited 30 November -1 at 1:00AM in Credit Cards
21 replies 3.8K views
Arrayer95Arrayer95 Forumite
3 posts
edited 30 November -1 at 1:00AM in Credit Cards
Hi,

So I purchased a brand new laptop for about £1000 from Ebay in March 2018 but it has now stopped working completely, and I have not damaged it at al so I'm assuming it is defective.

I purchased this with my credit card- Barclaycard.

The seller will not reply to my messages or email.

So I'm thinking should I contact my bank? What should I say? I know my purchase should be covered under the Section 75 because the transaction says Paypal*Seller Name which means it should be fine?

But I don't want to contact them for me too wait a week and for them to say no so I'd like to know whats the best way to go about this?

Thanks :)
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Replies

  • zx81zx81 Forumite
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    Contact them now and say you would like help with either a chargeback of section 75 claim.
  • ok thanks.

    So my balance on my credit card is £0.00

    What would happen if my dispute is accepted and I am refunded the £1000?

    Does that £1000 just go back on the credit card on my account? If my Credit limit is £2500, does that mean I have £1000 extra to spend?

    Sorry for the silly questions, I'm kinda new to all this.
  • zx81zx81 Forumite
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    You would have a credit on your card.
  • Terry_TowellingTerry_Towelling Forumite
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    There are some suggestions that paying through PayPal may not bestow S75 coverage on you. Whether that is correct or not might be disputed by your card company.

    Anyway, that could be a bit of a moot point because the issue is your allegation of defective merchandise. If the assertion is correct, your card issuer (and also PayPal) have dispute mechanisms to allow you to reclaim your money regardless of S75.

    You may be required to get an independent report done on the laptop to confirm the fault was inherent and you may be required to attempt to return it before any assistance will be given.

    You also should have the manufacturer's guarantee to fall back on if it was brand new. So, even if you can't get hold of the retailer (assuming it wasn't just a private individual knocking out dodgy second hand/counterfeit stuff as new) you may also be able to liaise with the manufacturer.
  • edited 20 September 2018 at 3:24PM
    18cc18cc Forumite
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    edited 20 September 2018 at 3:24PM
    If you want section 75 protection then you should pay for the laptop with your credit card Direct and not via PayPal

    as stated above this may very well cause 75 not to be activated. Simply put this is because you did not pay for a laptop with your credit card you paid for the laptop with PayPal. the fatct that you then paid PayPal with a credit card is a separate transaction and nothing went wrong with this.

    in any case I think your first call should be via PayPal because they are the people you paid with and you should use whatever protection they provide (dont hold your breath)

    A bit late now but people who buy laptops from eBay have much much less protection if they bought them from say John Lewis or even Amazon
  • soolinsoolin Forumite, Board Guide
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    PayPal have a 180 day policy for claims, but they don't offer guarantees so it isn't a case of just saying it wasn't as described and getting your money back. Their categories for a claim are either it didn't arrive, or it was significantly not as described so a PayPal claim, assuming you are still within the time frame is not going to be an easy option.
    I'm the Board Guide for the Ebay Board , Charities Board , Dosh & Disability , Up Your Income and the Local MoneySaving-England board which means I volunteer to help get your forum questions answered and keep the forum running smoothly. However, do remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected] (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com
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  • Terry_TowellingTerry_Towelling Forumite
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    From what others are saying it looks like your options are shrinking.

    The CC Chargeback angle and S75 applicability are not definitely out depending on the way the purchase was transacted - but be prepared for resistance.

    You may be within time for a PayPal claim because the 180 days presumably runs from the date you received the goods. It was sold as a working, brand new laptop that was fit for purpose. Depending on the fault, you may have a claim if you use a bit of semantics. If it turns out to be second hand or counterfeit, then you definitely have a claim - get it in quickly.

    The manufacturer's guarantee may help but they often ask you to go direct to the retailer - which you have tried and not been successful. Still the manufacturer should be able to help anyway. If that fails, it could just be a simple fault with, say, the power pack. That could well be repairable at relatively low cost.

    Must be a hell of a laptop for that kind of money.

    Best of luck.
  • 18cc18cc Forumite
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    Yes agree with above post - for anyone in the future reading this thread beware buying any expensive tech from eBay - it's the wild west on there. If you must buy it, pay with CC and not PayPal.
  • Terry_TowellingTerry_Towelling Forumite
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    18cc wrote: »
    Yes agree with above post - for anyone in the future reading this thread beware buying any expensive tech from eBay - it's the wild west on there. If you must buy it, pay with CC and not PayPal.


    I used to work in the CC industry and could never understand why anyone ever bought anything from Ebay (sorry Ebay) because the number of disputes and claims was staggering. Obviously, I was only seeing the things that went wrong because the things that go well don't get disputed.
  • As others have said I don't think you'd get any joy through a S75 claim due to the debtor-creditor-supplier link being broken by PayPal. Worth enquiring though as some banks may take a different stance.

    I've seen claims go to the ombudsman and they sided with the bank due to no DCS link.
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