PayPal Chargeback

Sandtree

Olinda99 said:

when a payment is f&f, you receive the full amount - that is how you tell. For f&f,, the buyer has no paypal protection, but they can always of course go to the underlying card and attempt a chargeback. The charheback should fail - unless of course their paypal account had been hacked and it was indeed a fraudulent transaction. In this case, you would be a victim of crime and have to suffer the loss like any other victim of crime.

You also dont pay fees if its a transfer from existing funds held in PayPal so the lack of a charge is not sufficient to confirm if its F&F or not. 

Olinda99

sorry @sandtree I don't understand could you clarify further. The seller always pays fees for non-f&f payments no matter the source of the seller's fund

Thanks.

born_again

Sandtree said:

Olinda99 said:

when a payment is f&f, you receive the full amount - that is how you tell. For f&f,, the buyer has no paypal protection, but they can always of course go to the underlying card and attempt a chargeback. The charheback should fail - unless of course their paypal account had been hacked and it was indeed a fraudulent transaction. In this case, you would be a victim of crime and have to suffer the loss like any other victim of crime.

You also dont pay fees if its a transfer from existing funds held in PayPal so the lack of a charge is not sufficient to confirm if its F&F or not. 

The seller will pay the fee on the purchase price of the item. No matter where the funds come from.
F&F is a way for a seller to avoid paying any fee's. 
Purchaser does not pay any fee's (unless its a foreign currency transfer)

Charity we know always asks for donations via F&F so they avoid any charges. 

Mtrott71565

Thanks for all replies. I guess it comes down to whether this person has genuinely been defrauded or not. 

soolin

Just for clarity, a payment for goods and services always attracts a fee an F and F payment is received free of charge by the buyer.  

An F and F cannot be charged back for an INR or an SNAD but the one thing to watch (as OP has found ) is that it can be subject to a claim of fraudulent use . Importantly, a claim for fraud can easily be defended if a payment was made via goods and services but cannot be defended if payment was made by f and F . This was discussed in length on the eBay board a year or so ago as there was a flurry of scams once scammers realised this was possible. 

Mtrott71565

The only thing I am thinking is, if this goes against me I do not authorise them to take the money straight away (I would need to pay it installments ideally which is possible- I have spoken to them about this). So therefore, if they take the money all at once from my bank account would I have an argument to do a chargeback myself? I could then show the bank the evidence I have shown PayPal and claim that this was a legitimate sale/transaction. Long shot but may be worth a try. 

soolin

Mtrott71565 said:

The only thing I am thinking is, if this goes against me I do not authorise them to take the money straight away (I would need to pay it installments ideally which is possible- I have spoken to them about this). So therefore, if they take the money all at once from my bank account would I have an argument to do a chargeback myself? I could then show the bank the evidence I have shown PayPal and claim that this was a legitimate sale/transaction. Long shot but may be worth a try. 

Unfortunately you have no legal right to repay a debt if the other person doesn’t agree, and as far as PayPal are concerned and as harsh as it is, they do not have to agree to instalments. No harm in asking though of course. 

You do have recourse to rising small claims to pursue the buyer though. You have proof of an order, proof of a payment , hopefully an email or something that can definitely be linked back to the buyer giving their address, and proof of delivery. Send a letter before action to both the email and to the address stating that a claim has been made and you expect the goods or the money returned otherwise legal action will be taken. It is a long shot, before you go ahead check out the address, check out names, occupancy etc, whatever you can find to make sure the address looks good and isn’t just a drop off and collect address. 

Mtrott71565

soolin said:

Mtrott71565 said:

The only thing I am thinking is, if this goes against me I do not authorise them to take the money straight away (I would need to pay it installments ideally which is possible- I have spoken to them about this). So therefore, if they take the money all at once from my bank account would I have an argument to do a chargeback myself? I could then show the bank the evidence I have shown PayPal and claim that this was a legitimate sale/transaction. Long shot but may be worth a try. 

Unfortunately you have no legal right to repay a debt if the other person doesn’t agree, and as far as PayPal are concerned and as harsh as it is, they do not have to agree to instalments. No harm in asking though of course. 

You do have recourse to rising small claims to pursue the buyer though. You have proof of an order, proof of a payment , hopefully an email or something that can definitely be linked back to the buyer giving their address, and proof of delivery. Send a letter before action to both the email and to the address stating that a claim has been made and you expect the goods or the money returned otherwise legal action will be taken. It is a long shot, before you go ahead check out the address, check out names, occupancy etc, whatever you can find to make sure the address looks good and isn’t just a drop off and collect address. 

Thank you I will give it a try. The address does look legitimate. It is in a very expensive part of London ironically.