Fraudulent eBay transaction - £900 taken from bank.

Dave7373

On 20th May, Paypal debited my bank account for £900 for an item I am supposed to have bought on Ebay on 15th May.

The first I knew of this was when I happened to check my bank account on 24th May. I didn't receive the usual email from  Ebay notification of the (non-existent) purchase or an email from Paypal of the transaction.

Ebay has confirmed it is a fraudulent transaction but Paypal say that the transaction was 'not unauthorised' and so as far as they are concerned it is case closed.

I have also spoken with my bank (Halifax) who initially promised a refund by today but now say that it is up to Paypal.

Does anyone have any idea if I am able to claim the £900 from anyone?

Also, I am unsure if the direct debit guarantee covers this situation.

Any help most gratefully received.

Cheers

Dave
 

[Deleted User]

It’s not a direct debit so the guarantee wouldn’t apply. 

soolin

Dave7373 said:

On 20th May, Paypal debited my bank account for £900 for an item I am supposed to have bought on Ebay on 15th May.

The first I knew of this was when I happened to check my bank account on 24th May. I didn't receive the usual email from  Ebay notification of the (non-existent) purchase or an email from Paypal of the transaction.

Ebay has confirmed it is a fraudulent transaction but Paypal say that the transaction was 'not unauthorised' and so as far as they are concerned it is case closed.

I have also spoken with my bank (Halifax) who initially promised a refund by today but now say that it is up to Paypal.

Does anyone have any idea if I am able to claim the £900 from anyone?

Also, I am unsure if the direct debit guarantee covers this situation.

Any help most gratefully received.

Cheers

Dave
 

It looks like you have someone with access to your log in details for paypal and probably your email as well, either through a phishing email that you have responded to- or perhaps someone you know. When paypal denied your claim did they mention anything about the purchase being from your IP address?

What was the £900 payment for, if goods then where were they sent?

I'll leave my response short until (or if) OP comes back with more info . However, OP, if you are still reading this go to the techie board and get instructions for a deep clean on your PC and change all your passwords immediately 

Dave7373

Hi Soolin

Thank you very much for you reply.

No, Paypal didn't mention the IP address. That is a good point, although I am not sure if I am any further forward with this info?

The £900 is supposed to be for an Apple Mac. The dispatch address on the paypal transaction is our address. Of course, nothing has arrived. I might try and get paypal to issue a refund on that basis (Buyer Protection).

I changed the passwords on ebay and paypal immediately, but thanks for the tip. 

By the way, my bank has confirmed the link between paypal and my account is a direct debit.

Kind regards

Dave

soolin

Dave7373 said:

Hi Soolin

Thank you very much for you reply.

No, Paypal didn't mention the IP address. That is a good point, although I am not sure if I am any further forward with this info?

The £900 is supposed to be for an Apple Mac. The dispatch address on the paypal transaction is our address. Of course, nothing has arrived. I might try and get paypal to issue a refund on that basis (Buyer Protection).

I changed the passwords on ebay and paypal immediately, but thanks for the tip. 

By the way, my bank has confirmed the link between paypal and my account is a direct debit.

Kind regards

Dave

If something was being sent to you just start an INR claim, but was tracking uploaded at point of purchase?

Dave7373

No tracking details uploaded. 

PayPal have agreed to open a dispute re item not received.

Dave