Paypal Reversal

[bluenose81huskys]

Hi All, Last week i sold £400.00 worth of capital bonds for £385.00 on EBAY the buyer did a buy it now payment and paid straight away by telling me his sister will pay.

I Paid for a laptop also which went through ok adding this £385 that went and showed straight up on my paypal and I added my own £600 and somethin pence for the laptop which went well.

I Left good feedback for the buyer of VOUCHERS for paying.

The Item was delivered next day and i was happy to see them vouchers go.

I am a verified seller also with a feedback of 138 100%, However the buyer was not verified and did not have a confirmed adress, he asked me to send to another address so because the money showed in paypal i did! in full trust of paypal (THINKIN THAT CAUSE IT SHOWED ITS OK-ITS IN)

2 days ago paypal refunded the entire payment to the FRAUDSTERS without consulting me first and asking if i had sent the item, I told them i sent to such and such address and now they have left me with a negative balance of -£385 on my account.

Paypal have told me im not entitled to the money. Why didnt they stop this transaction, surely if i sent the item i can claim off the persons address whos stolen bank card it was.

I rang paypal telling them the items have been delivered and i have proof with the Royal Mail special delivery number but they didn't care so now im £400 vouchers down and owe them £-385.00 and so now I owe paypal £385.00.

i have also told them im not going to pay as it was unfair.

What can i do?

I havent cancelled my bank cards and direct debit from them yet but will do tomorrow. What can i do Now?

 

THIS HAS ALSO BEEN SENT TO BBCs WATCHDOG TO SEE if THEY CAN HELP WITH THE CASE IN ANY WAY.

 

Many Thanks

Blue

[callumsgran]

Let em try taking you to court, see how far they get!

Print everything out off paypal, they should give you a reason for why they reversed the payment

Police might be interested as it is fraud, report them as sto;en

[CAGisforME]

Firstly - a word of caution.

 

When using Paypal it's important to understand their rules, seller protection etc and NEVER to accept a payment for more than you can afford to lose.

 

When accepting a payment you will only be covered by the Seller Protection if you have jumped through the several hoops involved.

 

IE

 

Sending to a confirmed address and ONLY that address (not any other address that the buyer give you)

Sending by a means that it online trackable (which I note you did)

Ensuring your item is not deemed "intangible" by Paypal.

Ensuring the transaction is marked as "eligible" for Seller Protection.

 

It's obvious now that the payment was made either by someone knowing all the above and being pleased you fell down re: Seller Protection.

 

OR

 

It was made by someone who somehow had access to another person's ebay/paypal account.

 

I echo callumsgran's advice.

 

Go to the Police with all your print outs and the name and address that you posted the Bonds to. This is FRAUD and don't be fobbed off. They have received goods by deception. SOMEONE signed for the envelope!

 

Re: Your ebay account. NEVER leave feedback until you have notification from the buyer that they have received the item and are happy with it. Payment is NOT the end of the transaction.

 

Re: The person whos stolen bank card it was. NO you can't claim against them. THEY didn't receive your item!! The Fraudsters did!

(How would you feel if it had been YOUR card?)

 

You need to report the theft/fraud to the Police asap.

 

Good Luck.

 

PS And PLEASE read up on Paypal if you are going to use it for such large sums. The Payment & Postage forum in the ebay "Community" is a good starting place for advice.

 

[CAGisforME]

PPS

 

I note your buyer (rahma240) is still a registered user.

 

Have you reported the non-payment and fraud to ebay?

 

If not you need to raise a dispute IMMEDIATELY, otherwise you will find you are going to pay the listing and final value fee on this "sale" too.

 

Good luck.

[bluenose81huskys]

PPS

 

I note your buyer (rahma240) is still a registered user.

 

HI The buyer was actually removed by ebay, and i received a message and email off them to say this, The buyer was (petehut) He/Her, seen off another ebayer (elmerbatters) too for around £500.00, this i noticed his feedback to her too and when i asked her she said there was no problem then 2 days later she got back to me saying shed been ripped off in exactly the same way i have. I am currently offshore and the police wont accept me talking over the phone and told me to make a statement when i get home but by then it will be 2 weeks late and the fraudster will still be playing. They are useless the police, they are only ever about when they aint needed!!

[buzby]

You are assuming that the eBay ID you complain about is the fraudster, it may not be as in many cases the account has been hijacked by a third party. The bottom line remains the same, if you accept a payment from PayPal, you must ship to the sellers VERIFIED Address, there are no exception. If you send it elsewhere you have no protection. As the amount is under £2000 you may find the police will not be interested and simply tell you it is a civil matter and give you a crime reference number.

[CAGisforME]

BLuenose

 

Ok, sorry - my mistake. As your auctions were marked for "private bidders" - again, not a good idea as many ebayers avoid them, it was difficult to see who had bought what.

 

The "buyer" is NARU on ebay, however, as Buzby says, it's immaterial, as the account could have been hijacked.

 

I have to say I would have been very wary sending out £400 worth of vouchers to an unverified, unconfirmed Paypal account with a couple of feedback. My previous advice applies on Paypal transactions.

 

If you are currently "offshore" and can't get to a Police Station, then unless you can get someone to talk to you over the 'phone I guess it will have to wait.

 

Presumably someone is taking in your ebay purchases? Could they not go to the Local Police station for you?

[bluenose81huskys]

You are assuming that the eBay ID you complain about is the fraudster, it may not be as in many cases the account has been hijacked by a third party. The bottom line remains the same, if you accept a payment from PayPal, you must ship to the sellers VERIFIED Address, there are no exception. If you send it elsewhere you have no protection. As the amount is under £2000 you may find the police will not be interested and simply tell you it is a civil matter and give you a crime reference number.

 

Thing is I Disagree with this, i know your supposed to send to a verified address but if it actually shows in your paypal account as the money being in then you trust it. Therefore i was led into a belief of mis-trust with paypal, so why didnt they ask me first that they would remove the money. They should be covering people for this so i blame them for whats happened, whether they have payed another person their money back who wasnt the fraudulent person, this should be covered within their insurance. This is solely unfair.

[ForestChav]

Do ITV have Watchdog as well now?

[bluenose81huskys]

Do ITV have Watchdog as well now?

 

Lol - I ment to put BBC watchdog, I must have ITV on my brain!

 

Amending now!

[CAGisforME]

I'm sorry.

 

Whilst I have every sympathy for you losing your money, why do you think Paypal have verified and confirmed addresses?

 

How can it be Paypal's FAULT that you didn't follow their rules, despite agreeing to their Terms and Conditions?

 

I don't think I can usefully give any further advice, to be honest.

 

Just because the "money" is showing in the account, surely the fact that the transaction is marked "ineligible" for seller protection should have given you a CLUE that there might be a problem?

 

I really recommend that you have a read of the rules, expecially give the level of your sales and expenditure over the past 30 days.

 

[callumsgran]

My advice for the future is, get yourself a nochex account!

[buzby]

My advice for the future is, get yourself a nochex account!

 

The caveat here is many CC companies threat Nochex payments as a cash advance (as did PayPal for a time) and should be checked out first.

[IdaInFife]

Hi,

 

afraid agree with most of above...... never send to another address. i cannot see how you will get your money back. I don't think you local internet fraud department can even help as you sent to another address.

 

 

 

idax