Paypal question-Time for action

[ajrz17]

I had a paypal account, which after 2 years of use I was stitched up by Paypal to the tune of £800, when the buyer claimed no goods had arrived, despite paypal being given a tracking number. They found in favour of the buyer so no goods, no money and a negative amount in my paypal account, ( I had taken the money out asap, always did). Any way they have now passed on the amount to recover to NCO, what a fine upstanding company. I refuse to speak to them or indeed reply to them, but they are persistant buggers.

Whilst I was on the paypal site, re registering , I noticed a little bit of wording, we never pass on your details to third parties without notifying you, well that was it, I wasn't notified by paypal by way of letter or any other form, can something be done?

Paypal are a law unto themsleves and something needs to be done, they working outside the law I'm sure of it and I'm prepared to do something, I just need an in, so to speak!

[The Phantom]

You said you gave paypal a tracking number. Did the check show the goods were delieverd to the buyer's address registered with paypal ? If that is the case paypal is in breach of their own seller protection policy (if you shipped to a confirmed address). If not and there is no proof that the buyer received the goods they have acted in accordance with their terms of use. These terms I don't think have been challenged in a court in the UK as yet to see if they are legal or not, so if you accept these terms and use their services then you are expected to abide by them. I.e. you accept that in a dispute they are judge and jury.

Also when you sent the goods with a tracking number, did you not insure them to their value against loss / damage as £800.- is quite a high value I think ?

[The Phantom]

I have had similar trouble with paypal myself and decided not to use them again, because as a seller you are expected to shoulder all their fees and all the risk . So don't think I am trying to justify these people and their actions, it is just that if you read all their terms you can see that in a dispute you may be seriously in trouble as a seller , so the message is do not use them

Everybody can pay with a personal cheque which costs nothing.

For shipments within the Euro Zone you can take payment via IBAN BIC European bank transfer. Costs for this vary depending on your bank. HSBC for example charges nothng for incoming payments in Euro credited to your GBP account. For the buyer in a country that uses EURO it also costs nothing and it is a fairly common way to send money within these countries so they won't be turned off by this

And only for overseas shipments consider paypal but include 'airsure' or 'International signed for' postage costs in your postage quote and insure the goods for their value. Again, include these costs upfront in your overseas postage costs and show them on your auction page if selling through ebay for example

Don't throw your money away

[jaxads]

I too am being chased by NCO, because of a fraudulent chargeback on a paypal account. I got the usual "calling card" from the guy who trails the length and breadth of Britain on a Tuesday - he didn't show. but since then have been bombarded with calls at my work telephone number. I've since sent them a "telephone harrassment" letter and said that any contact must be made in writing. Watch this space!!!!

[The Phantom]

I don't know whether paypal debts are covered under the CCA.

If yes, I wonder whether you could send them the request for true signed copies of the agreement ? I am pretty sure there wouldn't be any as you only click yes on a computer screen when you sign up with them.

But on the other hand, I don't know if this is covered under the CCA