Failed PayPal and Western Union payments but taken from bank account

cheesefest · 20 Jun 2022 at 08:23

After finding something rare for my friend’s autistic son on eBay in US, I sent a PayPal payment to seller which failed and taken from bank account. She sent me details to pay on WesternUnion. The payment was received and then cancelled by WU. Again the payment was taken by my bank - Santander.

I need the money back as cash flow issues as got a bill and two direct debits. How long will these refunds take? Do I need to contact PP, WU or my bank?

The payment has gone through. About £250 out of pocket

cheesefest · 20 Jun 2022 at 11:17

Never sent money abroad through PP or WU. I have a lot of stress going on with my life at the moment - work, health and my grandmother. My head's not in the right place. I just want my money back. Santander is taking the p with call times to the fraud team.

cheesefest · 20 Jun 2022 at 11:52

VincentHanna said:
With eBay you never send money, you use the purchase option.

Sorry to hear about your problems, but if life is hectic focus on yourself, not others.

(You mentioned you bought it for a friend's autistic son)

How is his mum going to explain he’s not going to get this item? He doesn’t understand money, fraud etc

cheesefest · 20 Jun 2022 at 16:45

dLockers said:
Why would the autistic son pay for your (obvious) error?

I bought a toy for him as that would have completed the set. He keeps asking when he’s getting the toy. Which he isn’t going to get

cheesefest · 20 Jun 2022 at 16:46

Going to get a new card.

cheesefest · 20 Jun 2022 at 21:54

VincentHanna said:
Crude question...Are you trying to bang the mum? I've never spent £250 on any of my friends or their kids

Seller messaged me to say payment not gone through on PayPal. Tried again - not gone through her end. Then one WU. Two more payments came out fraudulently from PP.

Five payments of roughly £50 each. The toy retails at £135.

cheesefest · 20 Jun 2022 at 21:58

Haggisman said:
Why? Don't tell me you've given them your card details as well?!

No but it was on the advise on the bank.

cheesefest · 21 Jun 2022 at 09:45

I have Apple Pay which I hardly use. Santander updated my AP with the new card immediately, so can use it. A very useful thing.

Just need to wait for the new card to do online payments - Amazon, Healthspan etc. As need the CVV (3 numbers on signature strip)

cheesefest · 21 Jun 2022 at 09:58

Dis86 said:
Have you applied for refunds?

I have. See how much I get back

cheesefest · 21 Jun 2022 at 21:09

arknor said:
and this is why banks give sod all interest because instead it's used to cover the costs of "fools and their money who are easily parted"

I only did three payments myself and two were fraudulent. One was made at 3:15am (when I was asleep) made in Laos Kip. I didn’t know the currency of Laos until yesterday.

cheesefest · 22 Jun 2022 at 16:57

413x said:
You must have given your details??

Nope. PP has a lot of scams as a former colleague was scammed £880 earlier this year

cheesefest · 22 Jun 2022 at 16:58

Tony Edwards said:
Have you got @robfosters old computer? Have you checked it for virus and event viewer? This person didnt ask you to downlaod anything did they?

No new software downloaded or requested by the ‘seller’

cheesefest · 22 Jun 2022 at 20:49

Tony Edwards said:
It seems odd that not only does it look like you were you ripped off but now you are getting you card details being used.

Think it’s Santander’s policy in changing card number just in case.