Never heard of that. Do you have a link to how it’s done?
Goodbye to ebay !
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Never heard of that. Do you have a link to how it’s done?
If you owe ebay money they will collect, if you have blocks in place so they can not retrieve the money automatically or the bank refuses the payment then they pursue you through the legal system, they will win, you will be liable for all charges, not the best idea tbh.
MartinYorkshire
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It's nothing special. Basically, the receiving account withdrawals are done via BACS (Faster payments), which does not give authority for debits. The only way Paypal can debit, is if they either have a direct debit mandate for your account, or, you've linked a debit or credit card. The real risk is when someone links a DEBIT card to their main bank account but a credit card with a high enough limit would also be less than ideal.
It's a bit like if I sent you payment for an item via BACS. Just because I have your bank details, I have no authority to withdraw money from your account. For that I'd need authorisation in the form of a direct debit mandate.
ebay has time limits to cases opened. If the case has not been resolved in the time period ebay makes a decision and closes the case. If the seller refuses to settle, assuming they lose, then ebay reimburses you from their account and they then chase the seller up through the legal system, so you do not loose out.
So is your PayPal shipping address confirmed?
Surely if no bank account is attached you are restricted in limits? As that’s my understanding of when you do what you say.
I think you would find that if you owed them money , the money would be either leaving your account or possession in one way or another.
Surely if no bank account is attached you are restricted in limits? As that’s my understanding of when you do what you say.
I think you would find that if you owed them money , the money would be either leaving your account or possession in one way or another.
MartinYorkshire
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Yes, if you legitimately do owe money, you should pay. The problem is that situations have arisen for people whereby Paypal are chasing them for substantial sums of money, despite a fraud having taken place, such as the classic brick in a console box returned item. In this situation, protection is available and in such cases, no court is going to side with an offshore corporation such as paypal over a consumer providing the consumer has acted in good faith.
I've been through this sort of process several times where companies have chased me for money I did not owe. Once with Paypal, once with Merecedes Benz and once with the scumbags at ParkingEye. Not saying you're wrong, but legal threats, if you're in the right, shouldn't automatically mean a consumer caves in.
MartinYorkshire
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In all honesty I havent a clue if my account is limit restricted, but I don't think so. Yes my shipping address is confirmed and my account verified.
Paypal are just a company, like any other, they can't do anything different to any other company. They know this, which is why they come up with these new terms, to try and persuade people to link main accounts. It's because they know how expensive debt recovery is. It doesn't matter to them if they are right or wrong.
Anyway, this isn't about avoiding paying what a person legitimately owe's, it's just about Paypal being the judge and jury in all cases, when they are often wrong, which is unfair. A corporation should not be able to pass a summary judgement and have unlimited access to a persons bank account to take any remedy they see fit. Thats the reason I (and many others) have the protections in place.
Thought we were on about ebay being able to collect money owed from you or your account, regardless of you linking your bank account to your pp.
And surely it will be a less complicated system if two companies are not involved in trying to resolve a case, as was often the case ebay and pp used to try to shift the blame from one to the other. There is always civil court and ebay will always provide all evidence for you if you have genuinely been the victim of a fraud. They can not be expected to resolve an issue when they only have the word of both parties.
MartinYorkshire
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We are, it's just that a private corporations definition of "owed" can often deviate, legally and ethically, from the actual definition of the same. You're an honest man and you think like one, I can tell. Unfortunately, not everyone shares your scruples.
With a linked account, they take the money and you then have to pay to fight and have it returned, which is much harder than them wanting the money and you simply refusing to acknowledge the debt, which will often forcibly escalate the issue to someone who will actually look at it in detail and decide you didn't owe the money afterall.
eBay are disposing of the middleman and becoming the payment processor themselves, whilst I believe, demanding unlimited access to a linked account of some form. This means they can summarily decide on say, an eBay dispute, which could end up costing the seller money, even if they have acted in good faith at all times.
As I said in my last post, I think if you're faced with unfair invoices, you need to be in a position of not even acknowledging the "debt", rather than be looking at recovery through the courts as your first recourse. You're right in that a civil court would determine an outcome, but in the mean time, if you've had ebay debit your account, you're out of pocket and it could be damaging, for reasons I will go into below.
That was the reason for my having an unlinked paypal account and also the reason I won't sign up to ebays new agreement.
Imagine a situation where eBay summarily decided against you and decided to refund a fraudulent buyer regardless of your evidence, which has happened to me and many others. What would happen to your conduct record with your bank? Would your credit rating be affected? Mortgage application? Go overdrawn and incurr fees? If I hadn't had the protections I put in place, at one point, I'd have been out of pocket for £2,000 or so in cash and a laptop of the same value, for an indeterminate period, completely at the mercy of the payment provider and without any FCA protection.
I am not going to detail how the buyer performed the fraud on a public forum, but it was fraud and it was organised. Paypal refused to accept the evidence I offered and said I had to refund the buyer. I rightly refused. I had acted in good faith and the buyer was fraudulent. Worse still, further research showed they had done it before.
Anyhow, Paypal took me to the limit of the card attached to Paypal and started chasing for the rest. I let them. I let it go until they escalated it to their debt recovery team and I got a name, at which point I wrote a letter back, copying in the CEO, refusing to acknowledge the debt, detailed the circumstances and provided evidence, also threatening to sue. Within two weeks they had relented, I was refunded the charges and compensated the final value fee plus £100 goodwill gesture. They would have had no incentive to deal with the case so quickly and efficiently had they been in posession of my money throughout.
I have absolutely no reason to think ebay acting as arbiter would be any different than paypal, for a number of reasons, chiefly because their entire marketing campaign might as well have a flag stating "rights for buyers", but I think I've written more than enough to bore the socks off anyone reading so I'll shut up
Not if the seller strings you along and you don’t make a claim as you (falsely) believe you still have 3 months (or whatever) to claim.
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