- This topic has 45 replies, 1 voice, and was last updated 17 years, 7 months ago by .
-
Posts
-
Ok, so we get our own little corner of the forum (which I’ve been waiting for =P) and now can’t think of all the wonderful things I was going to post……*sigh* I need a muse….or another hole in the head…..
So, the ramblings begin…..
I won a set of wizards back in Feb. which was really nice, a White, a Peacock, one of the old Black and Reds, and one of the old Blue and Reds, all supposedly mint condition with original boxes. Communication with the seller was going great, got an AWESOME price on them, all four for just over $500. And about a week ago I had to file my first ever escalated claim into paypal…..I’d sent about 6-7 e-mails to the guy asking what was going on, if he was ok, where was my stuff…..I have a tracking number, but it was one of those where they had done it on paypal, and so the PO was “expecting” delivery of the package, but no info beyond that. Well, it’s been over a month since the package should have been sent, and I stopped recieving e-mails from the guy. Thus the claim. If he doesn’t respond to Paypal by 04/12/07 I win by forefit and get my money back. But such a bummer none the less. I really would have liked those wizards, and have passed up other auctions in anticipation….Meh, such as things go!
Ok enough of the ramblings for now.
I just figgured since it had my name on it, I’d post mercylessly! Muahahahahaha!Go ahead, Nirvana! Sorry about those wizards – if there’s still a chance you’ll get them, I hope you do.
If PayPal refunds your money, do they take off the same percentage as when you do any other transfer? And does an automatic refund mean PayPal can pull money off an account without the person’s permission? *scary thought…*Hope everything turns out ok. Hopefully you will get your wizards in perfect shape instead of just a refund. I know how disappointing it can be to get a great deal but no product. (white dragon, sniff) Best of luck.
Greater Basilisk wrote:Go ahead, Nirvana! Sorry about those wizards – if there’s still a chance you’ll get them, I hope you do.
If PayPal refunds your money, do they take off the same percentage as when you do any other transfer? And does an automatic refund mean PayPal can pull money off an account without the person’s permission? *scary thought…*Because I payed with credit card, I think that Paypal pays me back in full and then goes after the guy legaly for the full amount of any funds outstanding. I don’t think they can just take it out of your account, but they will repeatedly bill you for the full amount, and you will have a negative paypal balance untill it is paid. I believe that you can’t do any other transactions with paypal untill you pay it as well. If it comes down to it, I’ll just file with my credit card company *I think I have 60 days…=P*
That sucks! I was going to bid on those but got disracted and forgot about them. I hope everything works out. A refund is nice but I hope you get the Wizards!
I’m just Meh on the wizards at this point, it’s been so long! LoL But with a bit over $500….. 😈 Calico Flapcat…mmmmmmmm
Greater Basilisk wrote:It’d be scary if PayPal could just help themselves…
Actually, I think they can. From some articles that I’ve read, if they determine that the seller or buyer is at fault, Paypal will simply take the money which is owed from the losing party’s Paypal account to pay the prevailing party. If the losing party doesn’t have enough funds, then their account is “frozen” until the amount owed is placed in the Paypal account. However, accounts can be “frozen” at Paypal’s discretion even if money is not owed (e.g., Paypal suspects fraudulent activity) — in which case the person would not have access to money in their Paypal account until Paypal chooses to “unfreeze” it, a process that can take many months.
So I think its prudent to make sure that you never have a cash balance in your Paypal account (i.e., transfer it to your bank account right away). That’s what I do.
And while I think Paypal can’t legally take money from a bank account which is connected to a Paypal account, I think its probably a good idea to maintain a zero balance in such a bank account (i.e., move any funds to an account that Paypal doesn’t have access to as soon as possible). Its better to be on the safe side, given everything that’s been written about Paypal’s questionable practices.
One other note — its always best to use a credit card for Paypal transactions (vs. direct transfer) so that you’re protected if a dispute arises. That way, you don’t have to rely on Paypal to resolve the dispute correctly: you’d the option of filing a dispute with Paypal first, and then still be able to file a dispute with your credit card company, as Nirvana mentioned. Some things that I’ve read indicate that Paypal’s dispute resolution methods are sometimes less than fair and equitable (e.g., when only one party has enough funds in their Paypal account to cover the amount in question).
Actualy Mimi has a point. If the funds are in your paypal account, Paypal can and will take it. If there are insufficient funds, they will “bill” it out of whichever account you have registered with paypal, to include credit cards. If there is not enough money to cover the total in either your bank account or creditcard, Paypal will just keep trying to “bill” it out, and would probably eventualy get claims involved if you didn’t pay it.
Wow, I didn’t know they would try to get the money from the connected bank account and/or credit card without permission.
In the case of the credit card, you could always dispute the charge if they tried to charge the card. But for bank accounts, could they actually just transfer the money from the account without permission? I would’ve thought that was illegal…
I think it may be somewhere in the contract upon setting up an account…I’ll have to go back and read up on it and let you know. There is probably something in there that says “In the event of a negative balance or dispute…..” LoL Like anyone ever reads the fine print anymore! I’ll post on it later!
Of course, if you are an honest seller, it will never come to that. I had one claim filed against me, but I responded to PayPal and spoke to the buyer. She eventually went to the post office to see if her package was there and it was, so she dropped the claim. She was just too impatient and didn’t find the card saying an attempt was made at dropping it off.
I’ve been with PayPal for almost seven years and never had an issue with them.
- You must be logged in to reply to this topic.
