Hi,

First, sorry if I’m in the wrong place. I’m not sure if this should be here or on the retail or legal forums.

Second, I’m mainly after information and can’t seem to find anything clear anywhere else to answer this question.

The situation is this...

End of August last year I purchased a tablet type thing from the Argos Outlet on EBay.

It cost £140 or thereabouts, and I paid for it using PayPal Credit

(I actually opened the PayPal Credit account during the purchase, so this was the first transaction).

The payments were to be spread over a year at something like 12.9% APR

Recently the tablet went wrong and was returned to Argos, who have processed and provided a full refund on the initial purchase price.

That refund appears to have gone directly to my PayPal credit account, as opposed to my standard PayPal account (it hasn’t yet cleared properly).

So, my questions are these...

Should interest be refunded, as the purchase was effectively cancelled during the credit agreement? If so, by whom?

Should the entire transaction become void, with no interest, and payments reallocated to other items now on my PayPal Credit account?

Do I need to make a section 75 claim, does that even cover PayPal Credit?

Does the credit agreement just continue until paid, including interest, and the refund just get allocated as a normal payment?

I admit to being fully in the dark about how this is supposed to work, especially with PayPal Credit, because it seems it’s in a vague area legal wise.

I can’t find anything definitive on the Internet, although I may have missed something by not asking the right question.

I also will say again, the refund hasn’t fully cleared so I may be jumping the gun a little, but I’d like to be clear on what should happen so I know if it’s been done correctly or if I need to make a section 75 or do something else.

Thanks for helping in advance

Rich

i'd await the full refund see what happens

have you other stuff now on PP credit then?

Yes, I’ve had three or four other things, which is why I think the refund has gone straight onto that. The outstanding balance has dropped by around the same amount as the refund

i'd ask PP

The refund has officially gone on to the PayPal credit balance, so I now need to know what the correct process is with regard to items that are refunded when paid for on credit.

Yes, I can ask PayPal, but from experience they don’t always have any clue themselves about correct procedures. I’d rather have a clue in advance as to if I should be asking, for example, to make a section 75 to class back the interest or if I am not entitled to any refund of interest or whatever the case may be.

I realise nobody may know the answer on here, but if anyone can tell me who would be able to answer I’d appreciate that too.

Sec 75 and chargeback are 2 sep things

If they have refunded under cra the int should be refunded too as consequential loss

Who responsible is a diff matter and is it worth it for a couple of £?

Being unable to work and constantly juggling money means yes, even a couple of quid makes a difference some weeks! I know to someone working full time on however much a year it may not, to me it does.

So please could you tell me who I should be asking for it and what I should be asking for. Preferably in simple terms

It would be PP

They provided the credit for X item x item has been refunded

Have you asked yet?

After a thoroughly confusing conversation with PayPal...

It seems that if you return items in conjunction with their disputes system it works one way (clearing the transaction and refunded interest if successful)

While if you go to the vendor it works another way (refunded amount applied to outstanding transactions in preferential order with highest interest items first and no refund on interest)

They are going to open an escalation for me to look at both refunding interest and reducing the rate of interest on the refunded item to zero for remaining payments. No guarantees it will happen.

Some of their policies, especially the allocation of payments for non minimum payments, are extremely difficult to track down. I haven’t actually found them on the website at all. It’s very unclear on most things to be honest.

so had you gone for the refund directly through paypal as your credit provider this situation would be sorted. ? Sounds as if paypal will sort it eventually.

It’s unclear if it would be, PayPal Credits faqs are vague at best and extremely limited. They aren’t really helpful in any sense, and the call centre acknowledge this and admit they’ve had a lot of ‘feedback’ to that effect.

They say they’re planning to rectify this soon...