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eBay offers want payment up-front
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prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).Know what you don't0 -
So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.0 -
Exodi said:prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).As I say, it's your choice and your perspective.I accept that ebay has somewhat shifted to trying to be a more business/retail-orientated service, where perhaps new commodity items don't need inspection.In my case I've said I won't commit to buying an expensive used item unseen and am not comfortable with paying up-front on the basis I can claim a refund at eBay/PayPal's leisure if there is an issue..And I'm also uneasy about paying up-front to collect something on the risk that the seller has no motivation to be in.FYI, I've been with eBay for many years; I've got feedback over 1500 and most has been buying; TBH, I gave up selling a while back, as it was too much hassle.tightauldgit said:So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.Regarding blocking, I do wish ebay would allow buyers to block sellers, but that's a different topic...0 -
prowla said:Exodi said:prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).As I say, it's your choice and your perspective.I accept that ebay has somewhat shifted to trying to be a more business/retail-orientated service, where perhaps new commodity items don't need inspection.In my case I've said I won't commit to buying an expensive used item unseen and am not comfortable with paying up-front on the basis I can claim a refund at eBay/PayPal's leisure if there is an issue..And I'm also uneasy about paying up-front to collect something on the risk that the seller has no motivation to be in.FYI, I've been with eBay for many years; I've got feedback over 1500 and most has been buying; TBH, I gave up selling a while back, as it was too much hassle.tightauldgit said:So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.Regarding blocking, I do wish ebay would allow buyers to block sellers, but that's a different topic...
I explained if they wanted my contact they'd have to pay and also told them I wouldn't travel without having had payment. Then they backed out when I made it clear I wasn't travelling until they'd paid
I suspect what would have happened is they'd have made me another lower offer after checking the item out and wasted my time and money travelling. Possibly not but I wasn't willing to take the risk after previous experiences of people taking the p on things.1 -
tightauldgit said:prowla said:Exodi said:prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).As I say, it's your choice and your perspective.I accept that ebay has somewhat shifted to trying to be a more business/retail-orientated service, where perhaps new commodity items don't need inspection.In my case I've said I won't commit to buying an expensive used item unseen and am not comfortable with paying up-front on the basis I can claim a refund at eBay/PayPal's leisure if there is an issue..And I'm also uneasy about paying up-front to collect something on the risk that the seller has no motivation to be in.FYI, I've been with eBay for many years; I've got feedback over 1500 and most has been buying; TBH, I gave up selling a while back, as it was too much hassle.tightauldgit said:So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.Regarding blocking, I do wish ebay would allow buyers to block sellers, but that's a different topic...
I explained if they wanted my contact they'd have to pay and also told them I wouldn't travel without having had payment. Then they backed out when I made it clear I wasn't travelling until they'd paid
I suspect what would have happened is they'd have made me another lower offer after checking the item out and wasted my time and money travelling. Possibly not but I wasn't willing to take the risk after previous experiences of people taking the p on things.Me, I like to go places on the weekend, so if I've arranged to buy something, I'll have a day out planned around that.I don't know how you're supposed to arrange pickup without having the contact details; I guess ebay are paranoid about folks avoiding fees.However, using cash avoids payment fees.0 -
prowla said:tightauldgit said:prowla said:Exodi said:prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).As I say, it's your choice and your perspective.I accept that ebay has somewhat shifted to trying to be a more business/retail-orientated service, where perhaps new commodity items don't need inspection.In my case I've said I won't commit to buying an expensive used item unseen and am not comfortable with paying up-front on the basis I can claim a refund at eBay/PayPal's leisure if there is an issue..And I'm also uneasy about paying up-front to collect something on the risk that the seller has no motivation to be in.FYI, I've been with eBay for many years; I've got feedback over 1500 and most has been buying; TBH, I gave up selling a while back, as it was too much hassle.tightauldgit said:So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.Regarding blocking, I do wish ebay would allow buyers to block sellers, but that's a different topic...
I explained if they wanted my contact they'd have to pay and also told them I wouldn't travel without having had payment. Then they backed out when I made it clear I wasn't travelling until they'd paid
I suspect what would have happened is they'd have made me another lower offer after checking the item out and wasted my time and money travelling. Possibly not but I wasn't willing to take the risk after previous experiences of people taking the p on things.Me, I like to go places on the weekend, so if I've arranged to buy something, I'll have a day out planned around that.I don't know how you're supposed to arrange pickup without having the contact details; I guess ebay are paranoid about folks avoiding fees.However, using cash avoids payment fees.2 -
Spoonie_Turtle said:prowla said:tightauldgit said:prowla said:Exodi said:prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).As I say, it's your choice and your perspective.I accept that ebay has somewhat shifted to trying to be a more business/retail-orientated service, where perhaps new commodity items don't need inspection.In my case I've said I won't commit to buying an expensive used item unseen and am not comfortable with paying up-front on the basis I can claim a refund at eBay/PayPal's leisure if there is an issue..And I'm also uneasy about paying up-front to collect something on the risk that the seller has no motivation to be in.FYI, I've been with eBay for many years; I've got feedback over 1500 and most has been buying; TBH, I gave up selling a while back, as it was too much hassle.tightauldgit said:So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.Regarding blocking, I do wish ebay would allow buyers to block sellers, but that's a different topic...
I explained if they wanted my contact they'd have to pay and also told them I wouldn't travel without having had payment. Then they backed out when I made it clear I wasn't travelling until they'd paid
I suspect what would have happened is they'd have made me another lower offer after checking the item out and wasted my time and money travelling. Possibly not but I wasn't willing to take the risk after previous experiences of people taking the p on things.Me, I like to go places on the weekend, so if I've arranged to buy something, I'll have a day out planned around that.I don't know how you're supposed to arrange pickup without having the contact details; I guess ebay are paranoid about folks avoiding fees.However, using cash avoids payment fees.
I mean like PayPal fees.
0 -
prowla said:Spoonie_Turtle said:prowla said:tightauldgit said:prowla said:Exodi said:prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).As I say, it's your choice and your perspective.I accept that ebay has somewhat shifted to trying to be a more business/retail-orientated service, where perhaps new commodity items don't need inspection.In my case I've said I won't commit to buying an expensive used item unseen and am not comfortable with paying up-front on the basis I can claim a refund at eBay/PayPal's leisure if there is an issue..And I'm also uneasy about paying up-front to collect something on the risk that the seller has no motivation to be in.FYI, I've been with eBay for many years; I've got feedback over 1500 and most has been buying; TBH, I gave up selling a while back, as it was too much hassle.tightauldgit said:So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.Regarding blocking, I do wish ebay would allow buyers to block sellers, but that's a different topic...
I explained if they wanted my contact they'd have to pay and also told them I wouldn't travel without having had payment. Then they backed out when I made it clear I wasn't travelling until they'd paid
I suspect what would have happened is they'd have made me another lower offer after checking the item out and wasted my time and money travelling. Possibly not but I wasn't willing to take the risk after previous experiences of people taking the p on things.Me, I like to go places on the weekend, so if I've arranged to buy something, I'll have a day out planned around that.I don't know how you're supposed to arrange pickup without having the contact details; I guess ebay are paranoid about folks avoiding fees.However, using cash avoids payment fees.
I mean like PayPal fees.
Managed payment also over rides the issues we used to have with collection items. You now pay when you buy and when you collect you share a QR code with the seller to prove collection, so a buyer can’t now do an INR after collecting if they use the system correctly.A lot of sellers now see the benefit of this, hence demanding payment as soon as item is bought, and not at some un determined time in the future if buyer actually turns up to collect.I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.3 -
soolin said:prowla said:Spoonie_Turtle said:prowla said:tightauldgit said:prowla said:Exodi said:prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).As I say, it's your choice and your perspective.I accept that ebay has somewhat shifted to trying to be a more business/retail-orientated service, where perhaps new commodity items don't need inspection.In my case I've said I won't commit to buying an expensive used item unseen and am not comfortable with paying up-front on the basis I can claim a refund at eBay/PayPal's leisure if there is an issue..And I'm also uneasy about paying up-front to collect something on the risk that the seller has no motivation to be in.FYI, I've been with eBay for many years; I've got feedback over 1500 and most has been buying; TBH, I gave up selling a while back, as it was too much hassle.tightauldgit said:So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.Regarding blocking, I do wish ebay would allow buyers to block sellers, but that's a different topic...
I explained if they wanted my contact they'd have to pay and also told them I wouldn't travel without having had payment. Then they backed out when I made it clear I wasn't travelling until they'd paid
I suspect what would have happened is they'd have made me another lower offer after checking the item out and wasted my time and money travelling. Possibly not but I wasn't willing to take the risk after previous experiences of people taking the p on things.Me, I like to go places on the weekend, so if I've arranged to buy something, I'll have a day out planned around that.I don't know how you're supposed to arrange pickup without having the contact details; I guess ebay are paranoid about folks avoiding fees.However, using cash avoids payment fees.
I mean like PayPal fees.
Managed payment also over rides the issues we used to have with collection items. You now pay when you buy and when you collect you share a QR code with the seller to prove collection, so a buyer can’t now do an INR after collecting if they use the system correctly.A lot of sellers now see the benefit of this, hence demanding payment as soon as item is bought, and not at some un determined time in the future if buyer actually turns up to collect.OK - thanks; so the seller has no PayPal fees when they want to take their money out then?Some folks prefer the immediacy of cash, but that's a choice.0 -
prowla said:soolin said:prowla said:Spoonie_Turtle said:prowla said:tightauldgit said:prowla said:Exodi said:prowla said:soolin said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.Sellers have been frustrated for years about buyers who can seemingly offer or accept an offer then just never bother paying, it takes our items off the market for 4 days and can cost us to relist , or lose us our FVFs offers depending on whether sale was on a business or private account. I have posted on my own thread, and many others saying that the idea that someone can make an offer or accept an offer and just not pay puts sellers off of using offers full stop.
By making everything paid at point of sale it might encourage more sellers to look at accepting or making offers without risking losing potentially 4 days worth of visibility, and more offers mean more buyers perhaps paying less than listed price.
Having had a very high percentage of non payers on offers I can only support a process where buyers can no longer auction wreck like this.tightauldgit said:prowla said:tightauldgit said:prowla said:soolin said:Oooh, I wonder if the pay immediately trial has spread to the UK? The US sellers have been excited about a trial where buyers making offers have to pay immediately if they are accepted and I admit I was quite excited as well as I’m fed up with time wasters.I can understand the frustration as a buyer if you want to check an item if you are collecting, but it must be such a minuscule of people who are planning to collect but who might not buy that I honestly can’t see it is going to be a major problem.Debbie9009 said:Having had quite a few time wasters making offers and then not paying, I love the idea of them paying immediately, sorry OP.tightauldgit said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happening
I suspect B is pretty tiny proportion of the Ebay user base.
As a seller it'll be great if Ebay are tightening up on timewasters sending offers and then disappearing.moonpenny said:Qwertybaz said:This happened to me as well. I was making an offer on an item I was interested in and was prompted for payment details. I also backed out of the purchase. The item then failed to sell so I wonder how many times this is happeningI will typically look to collect the more expensive items for cash and i would need to inspect it first.I'm not comfortable with the "I'll make you an offer and hand over the money and you can decide whether to accept it" approach.I can appreciate that sellers may see it as a plus, but it's not if it puts off potential buyers.
The correct way to do it is to pay and then arrange to collect. If the item isn't right when you check it then you get a refund.
Ebay is not Gumtree.tightauldgit said:soolin said:I don’t know how the Uk system will work but we usually follow the US lead, In the US payment is only taken once offer is accepted, so there is no worry about funds being taken and held. I really don’t think that is unreasonable at all, you make an offer, it is accepted and you pay and only when payment is taken is item sold. this is exactly how it works on Vinted.
Why wouldn’t a buyer expect to pay if their offer was accepted?
As I said people seem to think you can arrange collection/inspection before paying.Well, you may want things to be that way as a seller, but as a frequent buyer of used kit I will never pay up-front if collecting; there are so many things which may only show up when hands-on.If I'm paying £1000 for an item, I'm going to make darned sure it's all in order before handing over my readies.The idea that I would pay, go to the seller's, see it's not right, have a discussion/argument about the issues, and then ask them if they wouldn't mind refunding me please is just plain daft.Whatever the opinions are; the net effect is I'll be less likely to buy on eBay, so the sellers lose a potential buyer.It's eBay who are changing how it's been for many years and this is a new departure.
On the other hand the buyer if they dont like the item can simply walk away and file a refund request with ebay and get it - no question of trying to have to have a discussion or argument or ask for them to do you a favour.
And this isn't even a new thing Ebay are doing - it's been this way for sometime that you are expected to pay before exchanging contact details.Well there y'go - there are two sides to an argument.
A typical buyer will be paying by card for posted items. As a buyer, I pay immediately after my offer is accepted anyway, so it's no skin off my nose whether payment is taken automatically or not (if anything, it would be easier). I actually find it strange that a buyer would take issue with payment being taken with an offer they make... I honestly have trouble understanding any argument made against this (well except your scenario, there are no arguments being made, just blanket statements of 'I won't be making any offers in future' without any real justification).
The offer page is already plastered with warnings about your offer being a commitment to purchase, so why people are taken issue with it is confusing to me. Currently I think it's odd I can make 'binding' offers without payment.
As a seller, I don't allow offers (I did in the past, and I was often bombarded with mickey mouse offers so I disabled it on future listings and stuck to 7 day auctions, which seem to have treated me well).As I say, it's your choice and your perspective.I accept that ebay has somewhat shifted to trying to be a more business/retail-orientated service, where perhaps new commodity items don't need inspection.In my case I've said I won't commit to buying an expensive used item unseen and am not comfortable with paying up-front on the basis I can claim a refund at eBay/PayPal's leisure if there is an issue..And I'm also uneasy about paying up-front to collect something on the risk that the seller has no motivation to be in.FYI, I've been with eBay for many years; I've got feedback over 1500 and most has been buying; TBH, I gave up selling a while back, as it was too much hassle.tightauldgit said:So my PITA buyer came back and we arranged to meet for him to collect but he steadfastly refused to actually purchase the item despite me telling him I wouldn't meet without payment. I'm not interested in doing a 30 minute each way trip just to get a tyre kicker or someone trying to do a lowball offer after they've got me committed.
So I just told them to leave it and blocked them.
Anyone not willing to pay for the item they say they want isn't worth entertaining in my view.Regarding blocking, I do wish ebay would allow buyers to block sellers, but that's a different topic...
I explained if they wanted my contact they'd have to pay and also told them I wouldn't travel without having had payment. Then they backed out when I made it clear I wasn't travelling until they'd paid
I suspect what would have happened is they'd have made me another lower offer after checking the item out and wasted my time and money travelling. Possibly not but I wasn't willing to take the risk after previous experiences of people taking the p on things.Me, I like to go places on the weekend, so if I've arranged to buy something, I'll have a day out planned around that.I don't know how you're supposed to arrange pickup without having the contact details; I guess ebay are paranoid about folks avoiding fees.However, using cash avoids payment fees.
I mean like PayPal fees.
Managed payment also over rides the issues we used to have with collection items. You now pay when you buy and when you collect you share a QR code with the seller to prove collection, so a buyer can’t now do an INR after collecting if they use the system correctly.A lot of sellers now see the benefit of this, hence demanding payment as soon as item is bought, and not at some un determined time in the future if buyer actually turns up to collect.OK - thanks; so the seller has no PayPal fees when they want to take their money out then?Some folks prefer the immediacy of cash, but that's a choice.
For cash, when item is sold ebay take the FVFs (just like they did in the old days) but in that instance they have to take it either from an existing balance they are holding for seller, or pull it from sellers linked bank account. If buyer fails to collect then buyer needs to do a non paying bidder claim to get most (but not all) of the fees back.Cash is no longer any benefit at all to a seller and may in fact be a longer winded way of doing things involving sellers bank account.I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.3
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