Question:
muttered something like: There seems to be a rather pervasive myth that PayPal cannot under any circumstances withdraw money directly from your bank account. They can…if you are set up with a Premier or Business account that was established *or converted from a personal account* any time on or after October 11, 2001. You have already granted permission as part the "Additional User Agreement for Premier and Business Accounts." Sounds like the thing to do is close the old paypal account and open up a new one under the new user agreement contract. Wrong way around – see "on or after" above.
Doh, you’re right–AFTER October 11, 2001. I should start drinking coffee. -Bertha — If you’re not part of the solution, you’re part of the precipitate.
Response:
There seems to be a rather pervasive myth that PayPal cannot under any circumstances withdraw money directly from your bank account. They can…if you are set up with a Premier or Business account that was established *or converted from a personal account* any time on or after October 11, 2001. You have already granted permission as part the "Additional User Agreement for Premier and Business Accounts." Sounds like the thing to do is close the old paypal account and open up a new one under the new user agreement contract.
Wrong way around – see "on or after" above.
Response:
– Hide quoted text — Show quoted text – Protection Policies – Buyer Complaint Process Q. I received goods that are not as described. Can I file a claim? A. Yes, you may file a not as described claim for eBay items only through the Resolution Center. Please be aware that you may be asked to return the merchandise to the seller using an online-trackable shipping service at your expense. Using PayPal’s resolution service is a total waste of time for "goods not as described" since they (PayPal) only use this option as a way of having the buyer confirm they received the goods. Either way, you’re not going to be getting a refund if the seller doesn’t have a balance in their account.
That is not true. I had a chargeback which resulted in a negative balance. The next pp payment was applied to the negative balance. Dave G – Hide quoted text — Show quoted text –
Response:
That is not true. I had a chargeback which resulted in a negative balance. The next pp payment was applied to the negative balance.
You are partially correct. Keep in mind that the key word is *IF* the seller gets another PP payment. It’s easy enough revise your auctions and to e-mail your buyers to explain the situation and have them use another form of payment or give them an out if they don’t want to use alternate payment options. I did this with my one and only chargeback with PayPal and they had to deal with me on my terms. Plus, if you’re a scamming seller like some of the one’s in question than you’re not worried about any subsequent payments coming into your PayPal account. The bottom line is there will always be a buyer not getting their money back if they rely on PayPal’s protection. Always use a CC and don’t voluntarily become a victim. Rita
Response:
– Hide quoted text — Show quoted text – Protection Policies – Buyer Complaint Process Q. I received goods that are not as described. Can I file a claim? A. Yes, you may file a not as described claim for eBay items only through the Resolution Center. Please be aware that you may be asked to return the merchandise to the seller using an online-trackable shipping service at your expense. Using PayPal’s resolution service is a total waste of time for "goods not as described" since they (PayPal) only use this option as a way of having the buyer confirm they received the goods. Either way, you’re not going to be getting a refund if the seller doesn’t have a balance in their account. That is not true.
You’re correct, Dave. It’s not true. Rita lives in her own special reality field. In her reality field, the PayPal Buyer Protection Policy does not exist. http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/policy_pbp-outside General. PayPal Buyer Protection is designed to help buyers recover funds from eBay sellers who do not deliver the promised goods, or who deliver goods that are ’significantly not as described’ in the listing. As defined in more detail in section 4.a.2, below, an item is ’significantly not as described’ if the seller clearly misrepresented the details of the item in a way that affects its value or usability. Please note that this does not include cases where the buyer is merely disappointed with the item or where the item did not meet all the buyer’s expectations. If you file a claim for a ’significantly not as described’ item, you will generally be required to return the item to the seller at your expense.
Response:
There seems to be a rather pervasive myth that PayPal cannot under any circumstances withdraw money directly from your bank account. They can…if you are set up with a Premier or Business account that was established *or converted from a personal account* any time on or after October 11, 2001. You have already granted permission as part the "Additional User Agreement for Premier and Business Accounts."
Sounds like the thing to do is close the old paypal account and open up a new one under the new user agreement contract. -Bertha — Billy: Billy Corgan, Smashing Pumpkins. Homer: Homer Simpson, smiling politely.
Response:
– Hide quoted text — Show quoted text – That is not true. I had a chargeback which resulted in a negative balance. The next pp payment was applied to the negative balance. You are partially correct. Keep in mind that the key word is *IF* the seller gets another PP payment. It’s easy enough revise your auctions and to e-mail your buyers to explain the situation and have them use another form of payment or give them an out if they don’t want to use alternate payment options. I did this with my one and only chargeback with PayPal and they had to deal with me on my terms. Plus, if you’re a scamming seller like some of the one’s in question than you’re not worried about any subsequent payments coming into your PayPal account. The bottom line is there will always be a buyer not getting their money back if they rely on PayPal’s protection. Always use a CC and don’t voluntarily become a victim. Rita Yeah I thought about that after I posted the message. Another question…….If you have a negative balance and no more funds comming in, can pay pal suck the money out of the bank account linked to your pay pal account?
It depends on when your premier or business account with PayPal was established. From an earlier post: There seems to be a rather pervasive myth that PayPal cannot under any circumstances withdraw money directly from your bank account. They can…if you are set up with a Premier or Business account that was established *or converted from a personal account* any time on or after October 11, 2001. You have already granted permission as part the "Additional User Agreement for Premier and Business Accounts." This little clause is buried in a place where it isn’t all that easy to find and it’s under a section (Reserve Account in Case of Closure) that a lot of people are likely to pass right over since they probably are not counting on closing or having their account closed but here it is and the language is not limited to closed accounts regardless of where it’s at: http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/policy_biz-outside ****** 6. Reserve Account in Case of Closure. [snip] Furthermore, if you open a Premier or Business Account after October 11, 2001, you authorize PayPal to debit your bank account linked to that PayPal account for the amount that you owe PayPal on transactions which were not covered by the Seller Protection Policy and which were not recoverable from your PayPal balance. ******
Response:
I wouldn’t go quite that far. Sometimes she can be sassy but I’ve picked up a lot of good info from her.
Thanks. Sometimes people, especially sellers that have questionable business tactics get pissed when I try to protect the buyer and give information that is helpful in fighting these sellers. I don’t take these characters seriously since I treat my customers proper and do my best to make sure everyone I come in contact with has a great eBay experience. The unfortunate thing that aggravates me is the good sellers have to pay for the mistakes of these bad sellers. Rita
Response:
Yeah I thought about that after I posted the message. Another question…….If you have a negative balance and no more funds comming in, can pay pal suck the money out of the bank account linked to your pay pal account?
No, PayPal can’t suck the money out of your bank account, at least they didn’t/couldn’t when I had my chargeback. Then again, I was a member since 1999. Some say that they can if you joined after a certain date. Rita
Response:
described" since they (PayPal) only use this option as a way of having the buyer confirm they received the goods. Either way, you’re not going to be getting a refund if the seller doesn’t have a balance in their account. That is not true. You’re correct, Dave. It’s not true. Rita lives in her own special reality field. In her reality field, the PayPal Buyer Protection Policy does not exist.
I wouldn’t go quite that far. Sometimes she can be sassy but I’ve picked up a lot of good info from her. Dave
Response:
– Hide quoted text — Show quoted text – That is not true. I had a chargeback which resulted in a negative balance. The next pp payment was applied to the negative balance. You are partially correct. Keep in mind that the key word is *IF* the seller gets another PP payment. It’s easy enough revise your auctions and to e-mail your buyers to explain the situation and have them use another form of payment or give them an out if they don’t want to use alternate payment options. I did this with my one and only chargeback with PayPal and they had to deal with me on my terms. Plus, if you’re a scamming seller like some of the one’s in question than you’re not worried about any subsequent payments coming into your PayPal account. The bottom line is there will always be a buyer not getting their money back if they rely on PayPal’s protection. Always use a CC and don’t voluntarily become a victim. Rita
Yeah I thought about that after I posted the message. Another question…….If you have a negative balance and no more funds comming in, can pay pal suck the money out of the bank account linked to your pay pal account? Dave
Response:
You’re correct, Dave. It’s not true. Rita lives in her own special reality field. In her reality field, the PayPal Buyer Protection Policy does not exist.
LOL! You seem to believe everything PayPal tells you. I’ll bet you’ll be in here crying when you find out how effective PayPal’s Buyer Protection Policy really is when you get some first hand experience. – Hide quoted text — Show quoted text – http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/policy_pbp-outside General. PayPal Buyer Protection is designed to help buyers recover funds from eBay sellers who do not deliver the promised goods, or who deliver goods that are ’significantly not as described’ in the listing. As defined in more detail in section 4.a.2, below, an item is ’significantly not as described’ if the seller clearly misrepresented the details of the item in a way that affects its value or usability. Please note that this does not include cases where the buyer is merely disappointed with the item or where the item did not meet all the buyer’s expectations. If you file a claim for a ’significantly not as described’ item, you will generally be required to return the item to the seller at your expense.
And I’ll bet you still believe in the tooth fairy? Tell me, whose interpretation of "significantly not as described" holds water? Would that be the seller’s or the buyer’s opinion? Come back when you get some real world experience so we can discus this. That’s the main reason why it’s totally and utterly foolish to pay for any on-line transaction with anything other than a CC or a CC funded PayPal payment Rita
Response:
Protection Policies – Buyer Complaint Process Q. I received goods that are not as described. Can I file a claim? A. Yes, you may file a not as described claim for eBay items only through the Resolution Center. Please be aware that you may be asked to return the merchandise to the seller using an online-trackable shipping service at your expense.
Using PayPal’s resolution service is a total waste of time for "goods not as described" since they (PayPal) only use this option as a way of having the buyer confirm they received the goods. Either way, you’re not going to be getting a refund if the seller doesn’t have a balance in their account. Plus, the other major problem with using PayPal’s protection service instead of a CC is it shifts the burden and expense of returning questionable merchandise onto the buyer. But, if you fund your PayPal payment with anything other than a CC than you deserve to be ran through the ringer. Paying with a CC keeps the seller honest and gives the buyer a leveraging tool to remind a seller of their responsibilities. Rita
Response:
If you’ve received the item, Paypal will NOT do a chargeback.
Not correct. http://www.ecommerce-guide.com/essentials/paypal/article.php/3418391 PayPal Expands Buyer Protection October 6, 2004 Not all items are covered because the protection is extended only when certain purchasing conditions are met. PayPal spokeswoman Amanda Pires told ECommerce-Guide.com’s sister site, internetnews.com, that the expanded program covers transactions with "qualified sellers" that result in non-delivery or delivery of items that are significantly not as described. An eBay-qualified seller is described as one who maintains a 98 percent positive feedback rating and has at least 50 feedback points. PayPal also added an enhancement to the positive feedback percentage eligibility requirements to include feedback from both unique and repeat buyers. "The program was launched a year ago and it has been very successful to encourage buyer confidence and trust on eBay. With the Christmas shopping season approaching, we wanted to expand it to deal with expected increase in transactions," Pires said. http://www.paypal.com/cgi-bin/webscr?cmd=_help-ext&eloc=1130&loc=1123… Protection Policies – Buyer Complaint Process Q. I received goods that are not as described. Can I file a claim? A. Yes, you may file a not as described claim for eBay items only through the Resolution Center. Please be aware that you may be asked to return the merchandise to the seller using an online-trackable shipping service at your expense. http://www.paypal.com/cgi-bin/webscr?cmd=_help-ext&eloc=1126&loc=1123… Q. Where do I locate the Resolution Center? A. To locate the Resolution Center, please log in to your account, then click the Resolution Center subtab located on the Account Overview page (between the History and Profile subtabs) begin 666 pixel.gif ` end
Response:
If you’ve received the item, Paypal will NOT do a chargeback. Best to use the option Ebay has now that is http://pages.ebay.com/help/policies/inr-snad-policy.html item received significantly different than description. —
– Hide quoted text — Show quoted text -I recently purchased an item that arrived NOT even close as described. Am I better off to file a complaint with paypal or just do a chargeback with my credit card company? I paid via PP with a CC. The seller is unresponsive. thanks
Response:
I recently purchased an item that arrived NOT even close as described. Am I better off to file a complaint with paypal or just do a chargeback with my credit card company? I paid via PP with a CC.
It doesn’t hurt to try PayPal’s process first and then try the credit card process if PayPal can’t help you. (Your user agreement with PayPal requires you to try PayPal’s process before doing the CC chargeback or they can terminate your PayPal account — but based on reports in this newsgroup they don’t seem to apply this penalty). The PayPal complaint process has to be filed _less_ than 45 days after payment while most CC issuers won’t take a complaint until after the charge has appeared on a statement — so they barely even overlap anyway. It is my understanding that in the USA, the law requires that the CC company accept chargeback complaints until 60 days after the _statement_ date (which could be up to 90 days after the payment) — double-check this with your bank. —-== Posted via Newsfeeds.Com – Unlimited-Uncensored-Secure Usenet News==—- http://www.newsfeeds.com The #1 Newsgroup Service in the World! 120,000+ Newsgroups —-= East and West-Coast Server Farms – Total Privacy via Encryption =—-
Response:
I recently purchased an item that arrived NOT even close as described. Am I better off to file a complaint with paypal or just do a chargeback with my credit card company? I paid via PP with a CC. The seller is unresponsive. thanks
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