basically i paid someone for a service upfront (because hes done work for me before, i trusted him) he said by a set date however it wasnt done so i extended the deadline twice, after this i said it has to be done the next day or im contacting paypal, to which i got no response, so i contacted paypal, however ive been reading and paypal dont guarentee your money back, its been about 5 of the 10 days before paypal will step in. My question is, under what circumstances will i not get my money back? The person i paid is about 15-16, i knew this in advance but like i say because ive worked with him before i trusted him, tony
File a dispute with paypal. Click on Resolution Center from the My Account page. Paypal will issue a notice to the seller, the seller has to respond in 10 days and provide the tracking number. In your case, since you paid for service, the seller cannot provide a tracking number. Paypal will award the claim in your favor and will recover the money from the seller's account.
Solaris that might not be the case, as pay pals policies are a bit off on services. Services do not have the protection of physical goods do, I have had this happen in the past to me and Pay Pal's response is that they 'at that time' did not offer protection for faulty service.
If tony files a dispute, the seller has to provide a tracking number, which they cannot do when non physical goods are delivered. I have been in tony's position several times where the seller promised to deliver services but never did. Paypal did recover my money. The best course of action is to file a dispute with paypal.
Solaris you have that backwards.............................'this before solaris edited' still not always the case as he stated Yes the best thing to do is to dispute it, but of course pay pal will look at it as a 'service' and in many cases because they make no guarantee of services WILL NOT refund for such. I have been in this boat before, paid for service, not gotten, or got bad service yet pay pal did not refund.
Solaris yes the best option is to file a dispute.. This however does not guarantee a refund for a service, I have had services refunded and others not, it depends on the situation. Your 'tracking number' however is not the case because of course pay pal knows there is no tracking for a service. As such that realy only applies to physically delivered goods.
Once you try to file a dispute with Paypal and you input that it was a service, you get an automated response that the complaint is acknowledged but that is as far as it goes. I am afraid you are out of pocket. As someone already mentioned Paypal doesn't protect you even when a fraud has been commited. As a matter of fact that same person can go on and get paid for services and never provide them and there is nothing can be done about it. I do feel Paypal will get hit with a class action suit on this one as Paypal users are getting suckered left, right and centre on fraudulent services and by not allowing a proper recording of the fraud, this allows the fraud to continue, which in turn allows new consumers to be defrauded. There has to be something here about negligence on Paypal's behalf of not protecting the consumer. I tried to report a fraud through Paypal and my complaint was answered by an automated bot. Had someone taken my complaint in person, a lot more consumers would have not been defrauded in the same manner. At least with a credit card you can file a chargeback.
It is not Paypal's legal responsibility to keep you from being the victim of fraud or to remedy your situation based on hearsay. Also, saying "fraud" and proving "fraud" are two different things. If you where the victim of "fraud", then you need to contact the proper authorities. As to the incident, never pay a minor upfront for anything and for everyone of legal consent, get it in writing first. Does it suck? Sure does. I would recommend that you switch you paypal payments to use a CC. You can do this with each payment sent. That way you have some extra recourse.
My only point is that when a fraud takes place and by being not able to report it to Paypal, that same fraud can be perpetrated over and over again by fraudsters on unsuspecting Paypal consumers as a result of Paypal's inactions to record such crimes. I just can't see it going their way if it ever goes to a court of law. I think they are negligent by not recording patterns of abuse of their own system. I think there has to be some form of protection/monitoring to protect consumers as a whole. I guess we will have to wait to see if it is tested in a court of law. Credit card company's offer pretty good consumer protection, chargeback for instance, I don't know if it because it is enacted in law or a benefit that is underwritten by the company as an incentive for the consumer. I don't think it would be that hard of a problem to provide some form of feedback and arbitration system for services bought and sold through paypal. The consumer would just have to pay it as a collective though their fees.
Why are you assuming that Paypal does nothing to stop fraud? It sounds like you are applying the details of your experience globally. Having spoken to Paypal in the past, I know they are around. I am not saying their support is great, but they have a lot going on and your experience, or mine for that matter, is not necessarily global. There is a huge difference between Paypal and credit cards. First of all, Paypal is basically a bank account. When you send money to someone, via Paypal funds, you are in essence writing them a check. There is no recourse for that. You can't chargeback because it is not credit nor processed as credit. Try writing someone a check from your bank account and telling the bank the person did not provide the services they intended. See what the bank does. It will be up to you to facilitate a civil suit. If you send money through Paypal via your CC, then Paypal is not involved on a monetary level, with the exception of providing the infrastructure to facilitate the action. Should fraud happen in that case, you would contact your bank and begin to work with them. If you were in fact ripped off, the next call, after your bank, should be to the proper authorities. Those are the people who are legally responsible for recording crimes and trying to thwart them--not the private sector.
to be honest i work for rbs group and i work in the credit card operations department, i should have done it through a credit card but just did it through paypal as ive worked with him before, he lives about 90minutes from me i could go round and knock on his door and tell his parents or something, i have his address and all his details from of his domain names , although i think that may be a little excessive
Well, it's a lesson learned then. I bet most of us, myself included, have been ripped of at some point on the Internet. The most important thing that can be done is to learn from it. Good luck with your resolution.