WikiWirral is where great friendships are made.
Forum Statistics
Forums65
Topics76,352
Posts1,033,281
Members14,560
Most Online16,551
Feb 2nd, 2024
Who's Online Now
8 members (3 invisible), 8,626 guests, and 425 robots.
Key: Admin, Global Mod, Mod
Top Posters
sunnyside 45,164
MattLFC 22,315
Mark 21,269
granny 17,788
_Ste_ 16,345
Newest Members
Kalena1962, rattus, Lisrush, Emotecreative, ArranGirl13
14,560 Registered Users
New General Forums
New Wirral History
Tall Brick Chimneys
by diggingdeeper - 16th Mar 2024 11:56am
D.I.Y. / Building Shop
by mharford91 - 3rd Mar 2024 8:53pm
1970's Murder in Central Park, Wallasey
by cutespam - 4th Aug 2018 10:28am
Old Hall in Higher Bebington
by Rhoobarb - 25th May 2010 5:55pm
Oleo Works
by Ducko - 14th May 2008 3:09pm
Top Posters(30 Days)
granny 14
casper 13
bri445 4
Topic Replies
What song are you listening to?
by diggingdeeper - 28th Mar 2024 6:06pm
Facial recognition coming in supermarkets?
by diggingdeeper - 27th Mar 2024 3:50pm
Bolts at Bebington Road
by diggingdeeper - 27th Mar 2024 2:33am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Tall Brick Chimneys
by diggingdeeper - 26th Mar 2024 5:43pm
Lost river (Well, brook really)
by diggingdeeper - 26th Mar 2024 3:09am
Old Hall in Higher Bebington
by diggingdeeper - 24th Mar 2024 5:58pm
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Wisper electric bike. 36v .
by Dilly - 21st Mar 2024 7:36pm
March
M T W T F S S
1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28 29 30 31
Top Likes Received (30 Days)
Kylix 1
cools 1
Top Likes Received
bert1 14
Mark 4
granny 3
casper 3
Previous Thread
Next Thread
Print Thread
Joined: Aug 2004
Posts: 22,315
MattLFC Offline OP
Wiki Master
OP Offline
Wiki Master
Joined: Aug 2004
Posts: 22,315
Right as many of you are aware, I run an online internet server business. One of the payment options is PayPal and this is actually the preferred method of payment by over half of my clients. So the loss of my PayPal account, even temporarily, could have a bad knock on effect on both my business and my livelyhood! So I can't afford to be months without an account!

PayPal accounts are free, its fast to send money (instant) and is more secure then traditional payment processor's as the merchant never gets to see your credit card/bank details, whereas with my proper credit card processor I see all the clients credit card details.

But PayPal have a very bad reputation, especially with regards to seller protection (from what you read online, the buyers have 100% protection whereas the sellers have 0 protection).

Now I also use my account on eBay like many other people (its actually eBay who own PayPal).

I recently sold a mobile phone on ebay for £320. The buyer paid using his PayPal account, and I was happy to accept it as his account and address were verified. If this had not have been the case I would have simple refunded the payment as I would not have been happy to accept a payment from an unverified account.

Anyway the phone sold on the 21st December, and as per the terms of the listing, it was sent out the same day via Royal Mail Special Delivery. The phone was recieved by the buyer the next day and this had been confirmed by Royal Mail's online tracking service. The phone was sent to the buyers confirmed PayPal address.

Anyway, I withdrew the money for the phone to my business bank account and all seemed fine.

However on the 5th January I recieved an email stating the payment hasd been reversed and that PayPal had issued a Direct Debit Request to my bank to obtain the funds and place them on hold! They had also placed a hold on all funds that were already in the account and also suspended any bank transactions and most account functions (including things such as being able to change/remove credit card details etc).

The reason for the problem was either due to an unauthorized transaction using the buyers account or a credit card chargeback.

Fuming at this, I went straight down the bank and withdrew every single penny from my business account, took the £300 max out of the ATM and the rest over the counter, because I was not getting ad off by PayPal or a scamming buyer.

Anyway, they asked for a lot of details regarding the transaction, which I promptly sent to them via email.

I had a response back thanking me for the details and advising me that I should open up a resolution ticket, but as far as I was concerned PayPal had all the details they requested and indeed needed, so I could not be bothered messing around with their resolution service.

Now I didnt hear anything over the weekend, but I had planned to open up the resolution ticket this morning anyway, just to help things along.

Anyway I got up this morning, and had an email from PayPal telling me thank you for the details i sent to them and that they had been forwardedto the relevant department. So I though nothing much of it and then just as I got in the bath I realised that quite a few subscription payments come into the account today, so I had to cancel them asap.

Anyway when I got out of the bath, I checked my emails and oud over £150 worth of subscription payments had already gone in. So I thought there was £150 lost until the situation is resolved.

So I logged into my account to cancel other payments, and amazingly the account was now in credit, wih the funds that had been sittng in there previous to the hold that was placed on the account.

I checked the latest transactions and noticed that the hold on the account had been removed and I had won the case!!

Now PayPal have a terrible reputation with regards to problems, with horror stories of them placing accounts and funds on hold for upto 6 months and sellers losing money due to chargebacks.

But I think that my scenario just go's to prove that if you do everything in compliance with their rules, and provide the information they request as soon as you can, then you ARE covered by their seller protection scheme and you WONT have many problems with them.

Which leads me to believe that most of these "horror stories" that you read must be a result of people not fully complying with their seller protection policy and being stung as a result, and having no protection from PayPal.

If you ever sell any high value good using a PayPal account, you should make sure the transaction meets the following criteria:

- You need to have a verified PayPal Business or Premier account
- The buyer needs to have a verified PayPal account
- The buyer needs to have a confirmed address
- Only post the item to the buyer's confirmed address
- Make sure the delivery is as fast as can be
- Make sure that the delivery can be tracked online
- The protection only applies if the goods are tangiable
- Make sure that if the good are of a "very" high value, you use an insured delivery service which exceeds their value.
- In the event of a dispute, send PayPal all the details they request asap.

Follow these rules and like me, you will be fine in the event of any disputes.

I hope these tips help prevent you from being scammed in the future.

THANK YOU PAYPAL! Lol!

smile

Google Ads
Joined: Apr 2006
Posts: 12,369
Likes: 1
Wiki Master
Offline
Wiki Master
Joined: Apr 2006
Posts: 12,369
Likes: 1
For me, Paypal is near to impossible to make a claim for fraudulent transactions or for any unreceived eBay items, so I often have to use SquareTrade.com to get a refund.

SquareTrade cases have always worked and every single case I have filed has been resolved in a matter of days. But as for PayPal, I can't see what services they offer for protection for either buyer or seller

Glad to hear everythings sorted though matty thumbsup


Autowirral.co.uk - The Northwest's Biggest forum of Motoring Enthusiasts.
Cruisewirral.com - The Northwest's Biggest forum of Modified Car Enthusiasts.
Joined: Aug 2004
Posts: 22,315
MattLFC Offline OP
Wiki Master
OP Offline
Wiki Master
Joined: Aug 2004
Posts: 22,315
Hehe got a confirmation email this morning that I had satisfied their investigations team and my account was no longer on hold. And a thank you for my co-operation and time taken to provide them with all the details!

smile

Joined: Nov 2003
Posts: 3,793
Forum Guardian
Offline
Forum Guardian
Joined: Nov 2003
Posts: 3,793
totally off topic, but i just noticed your sig MattyC, is that the amount of every console ever sold, or just the Wii (they look fantastic btw)


[Linked Image]
I am a signature virus, copy me into your signature to help me spread.
Joined: Aug 2004
Posts: 22,315
MattLFC Offline OP
Wiki Master
OP Offline
Wiki Master
Joined: Aug 2004
Posts: 22,315
Lol, its just the worldwide sales of the Wii since its launch - all 3 next gen console sales figures can be found here.

The Xbox 360 market share is declinding faster than the Wii is selling out lol!

smile

Joined: Nov 2004
Posts: 7,238
Wiki Addict
Offline
Wiki Addict
Joined: Nov 2004
Posts: 7,238
Chuffed for u matty,fight those scamming C-units!

ont eh subject of the next gen consoles. The Wii is an awesome little toy,but the PS3......thats the future.Just a shame they cant distribute them any where near quick enough.Still 3 months til we get em int it?


[Linked Image]
Joined: Aug 2005
Posts: 5,253
Forum Veteran
Offline
Forum Veteran
Joined: Aug 2005
Posts: 5,253
C-units? aint it S-units.

A very costfull one aswel for the ps3, jst make sure ye's dnt hit yeselfs wiv the wii remote if any one gets it. Looks like a lil fun toy the wii jst see wot games they make for it.

Oh back on topic nw. glad everything is fine for you matty, h8 tho's moments wen u think ye gettin in big shit but at the end it all turns out fine which is gd smile

Joined: Nov 2004
Posts: 7,238
Wiki Addict
Offline
Wiki Addict
Joined: Nov 2004
Posts: 7,238
nah pomp C-units. Its my way of saying c*nt without it being swear fliltered, its also less offensive.PCness and all that


[Linked Image]

Moderated by  Mod 

Link Copied to Clipboard
Random Wirral Images

Click to View Topic.
Newest Topics
Facial recognition coming in supermarkets?
by Excoriator - 27th Mar 2024 10:52am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Bolts at Bebington Road
by Excoriator - 23rd Mar 2024 9:48am
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Tall Brick Chimneys
by diggingdeeper - 16th Mar 2024 11:56am
For Sale & Free
Wisper electric bike. 36v .
by Dilly - 21st Mar 2024 7:36pm
This is Elvis
by GingerTom - 17th Mar 2024 2:37pm
Member Spotlight
TheComputerLab
TheComputerLab
Wallasey
Posts: 1,315
Joined: May 2011
Today's Birthdays
There are no members with birthdays on this day.
New Wirral Info
Facial recognition coming in supermarkets?
by Excoriator - 27th Mar 2024 10:52am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Bolts at Bebington Road
by Excoriator - 23rd Mar 2024 9:48am
Get your Money Tree ready
by keef666 - 22nd Mar 2023 12:27pm
Restaurant/pub with outdoor seating - Bromborough
by CarterUSM - 7th Aug 2020 7:59pm
News : New Topics
Gaza
by diggingdeeper - 29th Oct 2023 9:28am
Lost river (Well, brook really)
by Excoriator - 10th Sep 2019 8:50am
New Enthusiast Forums
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Xbox
by TudorBlue - 3rd Mar 2024 8:48pm
Wiper mechanism needed
by Peter0787 - 20th Feb 2024 4:07pm
What song are you listening to?
by - 24th Jun 2007 9:06am
Popular Topics(Views)
5,069,781 WIKI WALK CHAT
4,013,867 Spotted!
Powered by UBB.threads™ PHP Forum Software 7.7.5