Ebay & paypal just not worth the risk anymore

Ixon

Ixon

Ixon

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Joined
30 Apr 2003
Posts
1,490
Location
Wigan
Not long after Christmas i sold a phone on Ebay all went fine and the buyer left positive feedback.

Roll on to June 10th that same buyer out of the blue messaged me saying the phone is broke and would like his money back all £475 of it, I told him i sold it to you nearly 6 months ago and the phone was in perfect condition when i sold it & you left positive feedback, heard nothing from him then yesterday I found he put a dispute in with ebay for his money back.

Now paypal policy is people can claim there money back upto 180 days after a sale, it looks like this buyer knows this and as we all know both ebay and paypal always side with the buyer not the seller which is going to leave me out of pocket.

I've already emailed both paypal and ebay and still not heard anything back from both of them.

I've decided I'm going to close both my ebay and paypal account just not worth the risk anymore, and if it has to be where i have to cancel both my direct debit & report my debit card as lost to get a new one, so paypal cant get access to my bank so be it because i have no intentions of being rob by both this buyer and ebay/paypal.
 
Ixon said:
I've decided I'm going to close both my ebay and paypal account just not worth the risk anymore, and if it has to be where i have to cancel both my direct debit & report my debit card as lost to get a new one, so paypal cant get access to my bank so be it because i have no intentions of being rob by both this buyer and ebay/paypal.
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Doing this will a) not stop them getting the money back, and b) make you look guilty as hell. It could also potentially cause c) A mark on your credit history, once they send the bailiffs round.
 
One of the reasons I've not used ebay for years. I still use PayPal for the odd transactions via PSN and what not.
 
Ring Ebay and stay on hold until they give you the decision you require, I had a similar problem with FIFA coins a year ago.

I dug in for the long haul and it took 3-4 hours to sort out but eventually they agreed with all the evidence I had. Not sure if the other party got their money as well I wasn't overly bothered.
 
paradigm said:
Doing this will a) not stop them getting the money back, and b) make you look guilty as hell. It could also potentially cause c) A mark on your credit history, once they send the bailiffs round.
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A) It will stop the OP losing the money

B) No it wont

C) Why are you even talking about credit records and bailiffs?

Ixon, you don't need to cancel your bank card. They can't just charge you card as and when they feel like.

You will however need to cancel any PayPal related direct debits on your bank account and unlink your bank account from your PayPal account.
 
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spoffle said:
A) It will stop the OP losing the money

B) No it wont

C) Why are you even talking about credit records and bailiffs?
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I think you'll find that they will recover the money even if your accounts are closed and unlinked from your bank. I've seen it happen.

Essentially, Paypal or eBay will refund the buyer, then recover the funds from the seller.
 
Had a similar issue with ebay and selling a phone recently. (almost identical actually)

Will never ever use ebay to sell anything again. What an absolute hassle, waste of my time, and my money.

In fact, i'm thinking of just closing my account :)
 
paradigm said:
I think you'll find that they will recover the money even if your accounts are closed and unlinked from your bank. I've seen it happen.

Essentially, Paypal or eBay will refund the buyer, then recover the funds from the seller.
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What have you seen happened specifically?

They can't just "recover" money. They put your PayPal account into negative balance and then request the money from you. If you don't obligue, there's little they can do other than sell the "debt" on. There's little they can do to actually recover it because of the circumstances under which the "debt" was created in the first place, ie at PayPal's discretion.

Also, you never did mention why you're talking about credit records and bailiffs.
 
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paradigm said:
I think you'll find that they will recover the money even if your accounts are closed and unlinked from your bank. I've seen it happen.

Essentially, Paypal or eBay will refund the buyer, then recover the funds from the seller.
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Ebay or Paypal cant just help themselves out of your bank account when you closed or cancelled any direct debits to them, this would be classed as stealing, the account will go into negative balance then just keep pestering you for the money and at the worst case they send it to a debt collection agency, paypal believe it or not cant leave a mark on your credit rating.

Also as for the Bailiffs coming knocking it never happen as this is usually only for things like not paying council tax ect.
 
Paypal are like the TV-License man who comes knocking.... no legal authority to do anything more than a normal member of the public.

They are not a regulated financial institution ( their choice ) so they have no powers like a bank does.

Close your account and ignore them....

IF and only IF you get debt collectors letters, the only communication you should give, if you choose to give any, is to inform them the so called "debt" is in dispute... and to not contact you again or you will report them for harrasment.
 
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If I'm buying - consider ebay, usually find what I need elsewhere.

If I'm selling - Only use members market or direct to friends.

Ebay is just one site which is gradually becoming less seller friendly, Etsy is going the same route too from the hassle my wife has been getting recently e.g. people order things in a set size, she makes them to order than they say it was a mistake on their part then ask for a refund anyway..
 
You may find that due to the case being open you will be unable to remove details from ebay / paypal account.

Its best in this case to remove the Direct Debit / card from paypal. be it in their settings or forcibly at your bank.

Then for good measure tell the Buyer to get lost.
 
Yeah get that card off PayPal.
It's ridiculous a private buyer can make a claim 180 days in
Basically Ebay are offering them (at your expense) a 6 month warranty

30 days is readable. Not 6 months!
 
0 days is reasonable. That's what a normal private seller-to-private seller transaction would have. eBay's ridiculous pro-buyer stance is ridiculous.
 
paradigm said:
once they send the bailiffs round.
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Don't scare the man. :eek:
They can't send bailiffs around without a court order, and a judge would never sign such an order since the company hasn't actually sustained a loss. It would be illegal.
They pass it on to a debt collector who at most can update your credit file with a default, which is easily sorted (getoutofdebtfree).
AtreuS said:
IF and only IF you get debt collectors letters, the only communication you should give, if you choose to give any, is to inform them the so called "debt" is in dispute... and to not contact you again or you will report them for harrasment.
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^^ That is how you deal with them :cool:

As for ebay, only ever use it to buy, never to sell. It's a scammers heaven.
 
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Are eBay/Paypal decisions actually legally binding, or is it all bluster and intimidation? I'm pretty sure any court would side with the seller based on the info given.
 
stopper said:
They pass it on to a debt collector who at most can update your credit file with a default, which is easily sorted (getoutofdebtfree).
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They can't update your credit file as you haven't entered into a credit agreement with them surely? They intentionally avoid this as they don't want to be bound by credit legislation.
 
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