Recovering Paypal payments

GG, I am surprised! I have always gone through my credit card compamy! How can paypal regulate that? Wow! Who do they (paypal) think they are? I feel like if I am using my card, I have a right to contact my card co. Anytime I have tried to get anything from paypal, it has been such a hassle.

I filed with PayPal yesterday for the first time. Hopefully it won't be that much of a hassle. It's been a month and still no widget. Somebody just negged the seller because their widget never came either. I guess I've just been lucky up until now.

I've heard that PayPal gets really cranky unless you go through them first.

Fortunately, I have only had a handful of instances where I ever had to go after a seller. In each case, PayPal maintained that they were the court of first instance. In fact, in one case, American Express--who usually backs the buyer more than other creditors--insisted that I had to go through PayPal first, since they were the merchant who posted the charge, even though it was obviously a third party charge. Made sense to me.

Chatter, did you have good results?

OK, but can Paypal access the sellers funds if he has withdrawn them to his bank (or whatever). Can they charge his credit card? Or can they only access whatever money is in his Paypal account?

GG

"The Gods made Heavy Metal"

I believe they can access your card on file. I'm not sure about your bank.

By the time I attempted to do so, it was after the thirty-day period, so I was SOL.

So if you have an ongoing dispute with a seller (or goods are dispatched surface and take two months to arrive) and you don't reverse the payment within 30 days, Paypal won't help?

My credit union had no objection to pursuing the matter for me last time so I think I'll bypass Paypal on this occasion too. What are they going to do, suspend me? That'd be their loss, not mine.

I'm fed up trying to negotiate with this seller. I've been sickeningly polite and I offered a generous compromise deal at first which would have seen me keep something I didn't really need and still paying a little too much, but all in vain, emails have been totally ignored.

His feedback is generally OK, though there was one neg in recent times to which he replied VERY nastily. Even if the buyer was at fault there's no call for that.

Reckon he'll have to learn the hard way.

GG

"The Gods made Heavy Metal"

Chatter, yes, there is a time limit. I was not sure about Paypay, but ebay is 45 days. I have always gone directly to my credit card co. and so far have had no backlash from Paypal.

Yes, PayPal's limit is thirty days. After that, they will do nothing, regardless of the circumstances. You must at least file the complaint by day thirty.

Thirty days is honestly not long enough!

Thanks, I'd heard that but wasn't sure.

It's all academic now anyway, my patience has finally cracked. He's ignored my final deadline (surprise - surprise) and today I file a case with my card supplier.

This'll probably get me an undeserved neg feedback but that's a price I'll have to pay.

GG

"The Gods made Heavy Metal"

quote:

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Originally posted by Gardengnome:
Reckon he'll have to learn the hard way.

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I doubt he’ll care. This may hurt the doctor more than the patient.

And, I see that as of 9/28 you had a 100% positive feedback, so leaving a neg might smart. But, believe me - there is still life after a negative feedback. Trust me - sellers will still take your money. In fact, some future seller might just be a little more respectful after seeing you exchange negs.

BTW

Recently I came across an interesting idea regarding feedback. Feedback should remain anonymous until both parties in the transaction have left it.

Falcon,why , do you think, Paypal insists you go through them first? The only reason I can come up with is they want a shot at refusing the refund so they can save loosing the business!

quote:

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Originally posted by Gardengnome:
He's ignored my final deadline (surprise - surprise) and today I file a case with my card supplier.

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The suspense is killing me (that may be a little dramatic).

quote:

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Originally posted by Mrs.M.:
Falcon,why , do you think, Paypal insists you go through them first? The only reason I can come up with is they want a shot at refusing the refund so they can save loosing the business!

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Credit card companies are not pleased when they have to go after wayward merchants. It takes time and effort (paperwork, etc.). Sometimes there is a charge to the merchant when a refund must be given. I suspect that PayPal would rather have the opportunity to ajudicate a dispute themselves, rather than take answer questions and/or take a lot of gruff from a credit card company.

I just got a notice saying that my Paypal payment is being refunded. The payment came from my checking account and was not funded through a credit card. Some sellers don't like being paid through a credit card, so I usually pay straight from my account. Is this a bad idea?

quote:

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Originally posted by Mrs.M.:
Falcon,why , do you think, Paypal insists you go through them first? The only reason I can come up with is they want a shot at refusing the refund so they can save loosing the business!

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I really don't know, Mrs. M. I would have thought that they'd prefer people to go somewhere else first so they don't have to deal with it.

Falcon, you would think so, but knowing them, it has to do with their profits!

Interesting question. Does anyone have the “actual” reason? Beside “profits”, it could be to reduce the cost to users? Don’t know, but hate to leave it without more “facts”.

Paypal chargeback

For the information of those who may be genuinely interested in learning from the experiences of others (against the day they may find themselves in a similar situation).

The card supplier will follow up the complaint, but first I have to produce a receipt to prove the item has been posted back, then there follows a 30 day wait to see if the vendor does the right thing and refunds. If not, the charge-back proceeds.

Obviously this means I won't be remunerated for the return postage, which is annoying, but as it's about 10% of the total originally paid it'll just have to be written off to experience.

GG

"The Gods made Heavy Metal"

GG, I still feel you went the right direction.

Let us know if you get neg'd.