goWholesale

Money out of bank account when i have £0 amount in my paypal account.

Its just that someone is saying they want a refund for an item while im not willing to do this. Paypal has not allowed me to access my account for various grounds but i have to reply back within 15 days. Say if i dont reply back in 15 days can they take money out of my account and is there any way i can stop this from happening?

Thanks

If i go to the bank and change my details can this stop them from taking the cash out?

They have said i have to reply back within 15 days, if i dont then can they take money out of my account?

What do you mean mate?

Nice one mate, im just on to it now.

Thank you

I agree with you. Sounds like he's trying to avoid, at all odds, entitling the buyer to their refund. That's not a good way to do business. Expect to lose your paypal account if you do something like this -- especially if they know you purposely stopped payment on anything they try to take out when you've AGREED to this when you signed up for your account.

Rich

gamingneeds wrote:Why would you not respond anyways? It sounds like your a fraud. If you've sent them the item, etc you have nothing to worry about unless you scammed them. And I'm sure Paypal will go after you legally if you screw with them. They are a tad bit bigger than you are. Also, if you have any credit cards, etc on there they will try those.

If you don't settle your dispute properly (in other words, if you keep acting like a 3 yr old and don't call their Customer Service or respond to the dispute), they have your Social Security number and will send a creditor after you. If you do not deliver, and do not give back the money you took, its called FRAUD bud.

Maybe you can clarify for the members what the situation is.

I interpreted the original post differently; my assumption was that a buyer wanted to return an item for a refund, which the seller didn't want to do. Maybe I'm wrong.

No you're not. But he needs to respond to PayPal. When PayPal receives the request from buyer, they are giving the seller 15 days to respond. They only have one side. Read the help section of PayPal. You may be justified in your reason for not refunding. Not responding is telling PayPal to take it, no defense.

<< But he needs to respond to PayPal. When PayPal receives the request from buyer, they are giving the seller 15 days to respond. They only have one side. Read the help section of PayPal. You may be justified in your reason for not refunding. Not responding is telling PayPal to take it, no defense. >>

ArtBroker: Are you referring to the supposed "complaint" process that a buyer can initiate if unhappy with merchandise? Because, IME, Paypal records such events but doesn't act on them. The only time Paypal takes money from an account is if the seller can't submit proof of shipping or receipt.

Now he is telling me i have to pay for his shipping to return the item, i cant believe this guy. If i refuse to do it, what can he do?

Talksoccer: You haven't given much info on this. Was it an eBay sale? Cash payment via Paypal or credit card? Why does he want to return the item, was it misrepresented? Not as described?

To my knowledge, you don't have to do anything. Paypal will not debit your account unless you have no proof of shipping (or a signature of receipt if over $250). eBay won't do anything, either. Neither do jack about fraud or unhappy customers ("We are only a venue."). You'll just get a bad feedback, which some buyers will leave even after you do resolve things to their favor.

However. If he paid via credit card, he can do a chargeback through it. Paypal will then take the money from your Paypal or bank account. If there's nothing there, they might put it up for collection from you (if the amount is great enough) or freeze your account.

If you choose to refund the purchase price but not shipping, ask Paypal how to proceed with that. Because you can't just hit the "refund payment" button, as that will refund the whole amount. Yet making a partial payment might not "register" as a refund, potentially causing you problems down the road.

mspacman wrote:<< But he needs to respond to PayPal. When PayPal receives the request from buyer, they are giving the seller 15 days to respond. They only have one side. Read the help section of PayPal. You may be justified in your reason for not refunding. Not responding is telling PayPal to take it, no defense. >>

ArtBroker: Are you referring to the supposed "complaint" process that a buyer can initiate if unhappy with merchandise? Because, IME, Paypal records such events but doesn't act on them. The only time Paypal takes money from an account is if the seller can't submit proof of shipping or receipt.

Mspacman, we just don't have all the facts. I think the only thing we know is the buyer "filed complaint" at the resolution center.

PayPal's Buyer Complaint Process helps protect PayPal members from merchants who do not deliver goods as promised. If you are unable to resolve a dispute with a seller, you may file a Buyer Complaint Form to initiate an investigation.

* Claims must be filed within 30 days of the PayPal payment
* You may not file a claim if you are simply disappointed with the item you have received. Items must be significantly not as described or never received


Tips on Protecting Yourself from Buyer Claims

* Provide original photos of the actual item you are selling. This ensures that the buyer knows exactly what he is getting
* Be honest when you fully describe the condition and features of the item you are selling
* Communicate with the buyer throughout the transaction. Often you'll find that misunderstandings or disagreements can be solved through communication
* When you ship your item, use a shipping service that can be tracked online

I was just saying, seller should respond especially if in the right. There are details that we don't know. But PayPal is looking for seller's facts before they make a decision.

I take it your from U.K like me as you used £ sign.
If so the answer is no they cant take the money from your bank account because the law is different here than the USA.
I have sold a couple of items on ebay where i have sent out the item and got a recorded letter slip to prove it, got a mail from the buyer thanking me for the item, then the plonker goes and puts a complaint that he never got the item to paypal.
I gave paypal the tracking number and after columbo did his investigation, guess what i`m in the wrong.
Dont worry m8 they cant take your money out of the bank if you are in the U.K
Visit http://www.paypalsucks.com for more info.
Avoid paycrap, they are a bunch of little Hittler`s