This is unrelated to the other thread I post, just to protect the seller, I am trying to
send out a reminder to make sure they know what they are involved when using eBay and PayPal. Next time when you buy your dive equipment online you will be able to estimate the risk. Again, when I heard someone has a problem with online shopping, I usually neglect, because I was sure that I would not have the same problem, but it turned out that when I did, I've found that the advice from others are actually useful. Online shopping is conventient as long as the transaction doesn't go bad, but when it does it sucks.
PayPal owns by eBay but they are two seperated company localed at different states.
Because eBay and PayPal are in different states, so even if you live in CA, the California small claim court cannot protect you when issues arise. PayPal admit that the protection to the customers is limited unless you're using PayPal credit card. They are familiar with the problems involved and yet this is part of their business model. So although PayPal is doing the service as a middle guy, they're only protecting the user with the min e.g. $200+ dollars insurance when the buyer is having a $550+ transaction when the seller is not buying special insurance for the item.
Anytime the buyer is trying to have a private way to deal with the seller, e.g. when there is a mail lost, or the item is not the right one, etc. PayPal would be hands off.
So, in a way, when some are suggesting that you should rely on the buyer to do the refund, be careful. The consequence can be good, or it can be bad. If you know the seller well maybe it's a good idea to min the hessle if not, good luck.
According to the refund procedure, a police report has to be done within 10 days, and Paypal is counting Saterday and Sunday as workdays, so pls check, many policy report cannot be generated within 10 days for release provide that they have to store it at the database first before they can allow people to release the report, Check with your local police dept in case you're in need on this. If you cannot manage to have it on time, make sure you talk to PayPal MANAGER, they MIGHT be able to give you extention.
When issue happen, eBay would leave the seller and buyer to settle it, but when there is no settlement, eBay will tell you to let PayPal to handle it if you're using PayPal for the payment. NOTICE: Any thing that is being typed in message area at eBay, PayPal do not have access to it, so please don't think that you can use the eBay messages to tell PayPal what has happened. Any promise at the message board, private phone calls between Buyer and seller would not be counted. Paypal would ask both parties to follow the procedure when the settlement period expired, at this moment if your refund is not in hand yet, please be careful. The buyer may need to file a police report ON TIME (i.e. ASAP). Again, if the seller walks away, PayPal would only pay for the min if the seller has not insured the item, they don't really have the resource to get you back the money right the way. Once the procedure is started, please stick with the procedure, cause if private deal is done, PayPal would leave it.
So it depends if you know the seller ( or how well you know the buyer if you're a seller).
When we use PayPal (not Paypal credit card), our own credit card cannot help us too much anymore because at the moment you use PayPal even you have used your credit card, once the authorization is made, your credit card company has finished its role as the middle guy. Yes, your own credit card can protect you better in terms of getting full refund.
The seller can buy insurance at eBay, and it would show up saying that the seller is buy insurance for the item, but it is up to the seller.
In shortl, if you use eBay, please consider to use your own credit card!!!
send out a reminder to make sure they know what they are involved when using eBay and PayPal. Next time when you buy your dive equipment online you will be able to estimate the risk. Again, when I heard someone has a problem with online shopping, I usually neglect, because I was sure that I would not have the same problem, but it turned out that when I did, I've found that the advice from others are actually useful. Online shopping is conventient as long as the transaction doesn't go bad, but when it does it sucks.
PayPal owns by eBay but they are two seperated company localed at different states.
Because eBay and PayPal are in different states, so even if you live in CA, the California small claim court cannot protect you when issues arise. PayPal admit that the protection to the customers is limited unless you're using PayPal credit card. They are familiar with the problems involved and yet this is part of their business model. So although PayPal is doing the service as a middle guy, they're only protecting the user with the min e.g. $200+ dollars insurance when the buyer is having a $550+ transaction when the seller is not buying special insurance for the item.
Anytime the buyer is trying to have a private way to deal with the seller, e.g. when there is a mail lost, or the item is not the right one, etc. PayPal would be hands off.
So, in a way, when some are suggesting that you should rely on the buyer to do the refund, be careful. The consequence can be good, or it can be bad. If you know the seller well maybe it's a good idea to min the hessle if not, good luck.
According to the refund procedure, a police report has to be done within 10 days, and Paypal is counting Saterday and Sunday as workdays, so pls check, many policy report cannot be generated within 10 days for release provide that they have to store it at the database first before they can allow people to release the report, Check with your local police dept in case you're in need on this. If you cannot manage to have it on time, make sure you talk to PayPal MANAGER, they MIGHT be able to give you extention.
When issue happen, eBay would leave the seller and buyer to settle it, but when there is no settlement, eBay will tell you to let PayPal to handle it if you're using PayPal for the payment. NOTICE: Any thing that is being typed in message area at eBay, PayPal do not have access to it, so please don't think that you can use the eBay messages to tell PayPal what has happened. Any promise at the message board, private phone calls between Buyer and seller would not be counted. Paypal would ask both parties to follow the procedure when the settlement period expired, at this moment if your refund is not in hand yet, please be careful. The buyer may need to file a police report ON TIME (i.e. ASAP). Again, if the seller walks away, PayPal would only pay for the min if the seller has not insured the item, they don't really have the resource to get you back the money right the way. Once the procedure is started, please stick with the procedure, cause if private deal is done, PayPal would leave it.
So it depends if you know the seller ( or how well you know the buyer if you're a seller).
When we use PayPal (not Paypal credit card), our own credit card cannot help us too much anymore because at the moment you use PayPal even you have used your credit card, once the authorization is made, your credit card company has finished its role as the middle guy. Yes, your own credit card can protect you better in terms of getting full refund.
The seller can buy insurance at eBay, and it would show up saying that the seller is buy insurance for the item, but it is up to the seller.
In shortl, if you use eBay, please consider to use your own credit card!!!
