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In Reply to: RE: Some New Paypal Rules posted by Awe-d-o-file on October 14, 2014 at 08:03:40
Without a link to substantiate his claim, Awe-d-o-file is either misinformed or he's pulling your leg.
Here what paypal shows on their website:
https://www.paypal.com/webapps/mpp/security/safe-online-shopping
2. Your order arrives, but it's significantly different than it was described. There are a variety of scenarios that meet this condition, for instance:
You received a completely different item.
Example: You purchased a book, but received a DVD.
The item's condition was misrepresented.
Example: The listing said new but the item had clearly been used.
The item is missing parts or features, and this was not disclosed.
Example: The listing said batteries included - but they weren't.
You purchased a specific quantity of an item - but received the wrong amount.
Example: You purchased five pairs of fuzzy dice, but only received four.
The item was damaged en route to its destination.
Example: You bought a beautiful antique lamp - and it arrived in pieces.
You received a counterfeit version of the item.
Example: You purchased a Rolex but received a Faux-Lex.
The process here is the same as above - log in to your account and open a dispute to get the ball rolling.
3. You were charged for something you didn't purchase, and you report it immediately This may mean someone has used your PayPal account without authorization. As long as you report it within 60 days, PayPal will launch an investigation and you will be covered by our $0 Liability for Eligible Unauthorized Transactions program.
Follow Ups:
I need reminders that what I read on the Internet may not be true : )
ET
It's true. I got the 'Notice of Policy Updates' email from Paypal a few weeks ago. The changes go into effect on November 18th.
And it almost certainly means that I will not accept Paypal after November 18th for anything that I sell.
And it almost certainly means that I will not accept Paypal after November 18th for anything that I sell.
Why? Do you think you'll suddenly be besieged by people who wouldn't initiate a claim within 45 days but would between days 46 and 180?
Yes, I expect that will happen. It doesn't take deliberately mischievous buyers for this to be a problem. There are lots of "mostly" honest buyers who will realize after 45 days that they want to use the money for something else, and will file false "not as described" claims rather than deal with re-selling the item. Or a vintage used item that fails 4 months after purchase (it happens), and the buyer then blames the seller.
And yes, there will be some who will use this to get 6-month free "rentals". A 6-month free "rental" will be more enticing to these buyers than a 45-day "rental".
I am not interested in providing a 6-month free rental service to anyone willing to abuse the system (I'm a private seller - not a business). And definitely not interesting in using a payment services that forces such uncertainty on me.
Absolutely. IMO, many-to-most are already morally bankrupt.
A few months ago, I sold a 3-year old excellent condition $8k amp for $3k.
Compared to my new $2k amp that runs musical circles around the $8k amp, that 180 days allows the buyer that much time to let his friends convince him he could have done better.
Around month 5 buyer's remorse sets in so deep that he's willing to compromise what's left of his morals, have his soldering friend do something funky to the amp, then submit his claim to paypal that the amp wasn't what he thought he'd purchased.
Now I'd be out the $3k and I'd get back an amp that now has potentially no value or maybe it costs me $1800 to make it right, only to potentially go through the same thing with the next buyer.
No more paypal when selling after the 11/18.
Thank goodness I've already sold most of my big ticket items. I don't want nor need the anxiety of waiting 6 months to see how creative the buyer might be, entirely at my expense.
Somebody at Paypal is smokin' somethin.
I agree paypal sucks, but if you are a savvy seller you are still protected. By the time someone files a claim, you should have long since moved the money out of Paypal's reach. So, the scumbag buyer can return it, but can't force the money out of your pocket. Paypal takes the hit. Sure, you have to start a different paypal/ebay/etc account, but it beats eating a $3k or whatever loss.
Yes, Paypal sucks big time, as does eBay.
And no you cannot pull the funds. If the funds are not there for Paypal to take back, they automatically take the funds from one of your credit cards, if not a credit card, they will take it from your checking account, and you will not even know about it until long after it happened. Even when you have all the documentation, signatures, etc, it does not matter. They do what they want when they want.
Oh, and if you happened to have closed the credit card, Paypal still will take the funds from your closed credit card.
No, when ebay and Paypal get involved they control EVERYTHING and you are completely at the mercy of some $5 per hour employee who never purchased anything over $29.
Argh, I'm getting anxiety just thinking about Paypal.
yes, you can pull funds and have them beyond paypal's reach. I have done it more than once, when scumbag buyers tried to screw me over. To the tune of $1500+ total. paypal tried to collect on it, which of course went nowhere (since they had no leg to stand on, legally). I had to start new paypal accounts, but that's trivial.
They will not take funds from credit cards nor ACH withdrawals without authorization. You can easily prevent that but they won't even try in my experience - they know they would lose - one call from you to the bank would reverse that charge immediately. Banks will take your side in any of those situations, since their ass is on the line.
Good luck to them trying to take funds from a closed account, too. That's just not going to happen.
Play it safe, and paypal is the only one that takes the hit, if you are smart about it.
We’re increasing the time for buyers to file a merchandise dispute (Item Not Received and Significantly Not as Described) from 45 days to 180 days. All references in the User Agreement to “Opening a Dispute within 45 days” have been updated to reflect “Opening a Dispute within 180 days.” The Sections these changes appear include the Introduction, 3.15, 13.2 and 13.5.
The change is for real ...and desperately needed for those who need 180 days to tell a book from a DVD.
Dean.
reelsmith's axiom: Its going to be used equipment when I sell it, so it may as well be used equipment when I buy it.
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