Can I do a Debit-Card chargeback for a payment I made via PayPal??

Autumn868

I made a purchase of a number of items last month (over £1,000 worth), but only recieved 1/3 of the quantity I'd paid for, so missing over £600 worth.

I filed a claim via PayPal, however they said I needed to file a claim with ActionFraud or the Police for them to process my claim | But the ActionFraud website states they don't get involved in ''disputes about items that did not arrive, which were purchased from reputable sellers/companies''.
*This company is a huge USA-based one, so falls into that category.

PayPal subsequently declined my claim because I failed to provide a copy of my report to ActionFraud | Ignoring the fact that ActionFraud don't cover claims such as mine.


The only option I therefore now have is to do a Debit-Card chargeback, but the guidlines online are abit vague regarding debit-card chargebacks when the payment was made via PayPal (rather than as a direct payment from the card to the seller).

But so I just wondered if the bank is still legally obliged to process my chargeback request, even if the payment was made via PayPal?

sheramber

 I needed to file a claim with ActionFraud or the Police for them to process my claim |

Did you contact the police?

What have the company said about the non delivery?

Aylesbury_Duck

I don't think you can.  I think I've understood that paying via PayPal breaks the link, but someone else will confirm if that applies to section 75 credit card claims only, or extends to debit and credit card payments.

bris

Even if you could the chances of getting anything back from an American bank are very slim, getitting it back from paypal is even slimmer and even trying could cost you your paypal account.

If it's an American firm then your consumer rights lie over there.

Ectophile

You'd be doing the chargeback claim against PayPal, not the USA supplier.  That could only succeed if you can argue that PayPal haven't delivered the service they are supposed to.

If you succeed, PayPal will probably close your account.

tripled

bris said:

...and even trying could cost you your paypal account.

I don't think most people would value their Paypal account as being worth £600, I know I wouldn't!

OP - Chargeback is not a legal right, so the bank is not legally obliged to process your chargeback request (from a consumer standpoint at least) - it's part of their agreements with Mastercard and/or Visa. There is no harm in trying a chargeback (aside from the risk of having your PayPal account closed), but I wouldn't hold out too much hope on it being successful. You may stand a better chance if you paid the merchant from your card via PayPal, rather than loaded credit into your PayPal account and then at some other point in time paid the merchant, which could be seen as two unrelated transactions.

The "breaking the link" indeed relates to S75, however for what it's worth I once made a S75 claim for something paid through PayPal, the credit card company (Amex) still refunded me, and as far as I know I still have my seldom used Paypal account.

Autumn868

sheramber said:

 I needed to file a claim with ActionFraud or the Police for them to process my claim |

Did you contact the police?

What have the company said about the non delivery?

The company is Merrell Footwear.

I filed the claim via PayPal, however they (Merrell) just stated in the dispute that they did send the correct quantity of items.

I did not waste my (or the police's time) by even going to them, as ultimate this is a civil ecommerce matter, not a criminal matter.
*Especially as it wasn't an 'individual' seller attempting to scam me, would simply of been a packing mix-up inside a huge industrial warehouse.

Autumn868

tripled said:

bris said:

...and even trying could cost you your paypal account.

I don't think most people would value their Paypal account as being worth £600, I know I wouldn't!

OP - Chargeback is not a legal right, so the bank is not legally obliged to process your chargeback request (from a consumer standpoint at least) - it's part of their agreements with Mastercard and/or Visa. There is no harm in trying a chargeback (aside from the risk of having your PayPal account closed), but I wouldn't hold out too much hope on it being successful. You may stand a better chance if you paid the merchant from your card via PayPal, rather than loaded credit into your PayPal account and then at some other point in time paid the merchant, which could be seen as two unrelated transactions.

The "breaking the link" indeed relates to S75, however for what it's worth I once made a S75 claim for something paid through PayPal, the credit card company (Amex) still refunded me, and as far as I know I still have my seldom used Paypal account.

Hello and thanks.

I didn't ''load money onto my PayPal account and then paid''... Instead I made the purchase via the sellers website, but used PayPal as the payment processor option.


I've looked on the CAB (https://www.citizensadvice.org.uk/consumer/somethings-gone-wrong-with-a-purchase/getting-your-money-back-if-you-paid-by-card-or-paypal) and it says:

If you didn't buy directly from the trader

You can still ask to use chargeback. 

You can't usually use Section 75 if you bought something through a third party rather than directly from the trader. For example, you might have bought it through:

• a marketplace like Amazon or eBay, where you use one company's website to buy from other companies

• a website like GroupOn, where you buy a voucher to use with other companies

• wallets like PayPal, where you put money in an account then use that account to buy things

• a travel agent

You can ask your card provider to use Section 75, but they might say no.

If your card provider won't let you use Section 75, ask for chargeback instead.

But I wasn't sure what exactly the process is of getting my bank (Barclays) to do this?

Manxman_in_exile

@Autumn868 - Are you saying that you bought a grand's worth of kit direct from Merrell in the US?  Apologies for asking, but were these items that simply weren't available for sale in the UK?

(I'm just curious because I buy a lot of outdoor gear and I'm surprised you needed to buy from Merrell in the States)

sheramber

Autumn868 said:

sheramber said:

 I needed to file a claim with ActionFraud or the Police for them to process my claim |

Did you contact the police?

What have the company said about the non delivery?

The company is Merrell Footwear.

I filed the claim via PayPal, however they (Merrell) just stated in the dispute that they did send the correct quantity of items.

I did not waste my (or the police's time) by even going to them, as ultimate this is a civil ecommerce matter, not a criminal matter.
*Especially as it wasn't an 'individual' seller attempting to scam me, would simply of been a packing mix-up inside a huge industrial warehouse.

Paypal's position  is that if the items were sent  and you didn't get hem , then they must have been stolen somewhere on the way to you. They therefore want a crime number. If you are prepared to report it to the police you are likely to be genuine and not claiming non receipt fraudulently.

HeinzVarieties

tripled said:

bris said:

...and even trying could cost you your paypal account.

I don't think most people would value their Paypal account as being worth £600, I know I wouldn't!

OP - Chargeback is not a legal right, so the bank is not legally obliged to process your chargeback request (from a consumer standpoint at least) - it's part of their agreements with Mastercard and/or Visa. There is no harm in trying a chargeback (aside from the risk of having your PayPal account closed), but I wouldn't hold out too much hope on it being successful. You may stand a better chance if you paid the merchant from your card via PayPal, rather than loaded credit into your PayPal account and then at some other point in time paid the merchant, which could be seen as two unrelated transactions.

The "breaking the link" indeed relates to S75, however for what it's worth I once made a S75 claim for something paid through PayPal, the credit card company (Amex) still refunded me, and as far as I know I still have my seldom used Paypal account.

It's not just them closing your PayPal account but putting it in a negative balance situation and selling it to a DCA who will harass you and may take you to court.

And even ignoring the middleman issue, a chargeback like this would fail with proof of delivery anyway.