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marieToo -> RE: PayPal is a scam. (8/29/2006 12:48:34 AM)
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quote:
ORIGINAL: NastyDaddy
quote:
ORIGINAL: WhipTheHip
A friend of mine paid $2,500 for a laptop offered on Ebay though PayPal.
The seller disappeared. Ebay and PayPal told them there is nothing
they can do for them, that they are out their money.
Had your friend filed a complaint with eBay under the buyer protection plan, eBay and PayPal would have frozen the seller's PayPal funds... pending the seller's responses to your friend's complaint. There would have been arbitration which would require the seller to make good on the deal, or fully reimburse the buyer since no goods were received. If the seller did not respond to the complaint, then eBay would require a full reimbursement from PayPal... deducted from the seller's account's frozen funds.
Your friend is either blowing smoke, or they didn't exercise their rights under the buyer protection plan.
the problem is if this crooked seller disappeared, and or if his paypal account has a zero balance, then paypal cant recover the funds for the buyer. It does happen. The only possible way to increase your chances of recovery with such a large purchase, is to pay through paypal, but instead of using your paypal balance, use your credit card that is linked to your paypal account. You can then contact your credit card company and depending on their policies, they can revoke payment, and or they will investigate it and contact the seller for you. It all depends on what kind of protection policies you have on your credit card. But you have a very good chance of simply telling them that you were ripped off and they will remove the charge no questions asked if you are a long time customers in good standing. I have done this myself...not involving ebay, but involving a fraudulent charge on my credit card...they just removed it from my bill on my word that I didnt make the purchase. Its not a guarantee that it will work in every case, but at least you have a hope in hell of recouping your losses. But when you pay with Paypal this large sum of money and a crooked seller disappears, you can kiss your 2 Grand goodbye. For a purchase like this, I woud go to an electronics store and buy the warrantee and everything. I have never purchased anything more than 400 bucks on ebay. I would never purchase a computer from a place that I couldnt go back with warrantee in hand. On ebay even if you buy a laptop from an honest seller, youre still not getting any warrantee with it.
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