Any chance of getting your money back through Payal on a bad purchase?

First let me say I have not been swindled

I was thinking of entering into a deal for a lens from a forum member here in the trader section. But neither of us have any trader feedback. My instinct tells me he is an honest guy who has been a forum member here for 6 years.
But if I am wrong and I pay in paypal (i dont have a credit card) any chance of getting a refund if something did go wrong?

Any input would be great

Don't do GIFT!!!

Scoobert wrote in post #17034592
First let me say I have not been swindled

I was thinking of entering into a deal for a lens from a forum member here in the trader section. But neither of us have any trader feedback. My instinct tells me he is an honest guy who has been a forum member here for 6 years.
But if I am wrong and I pay in paypal (i dont have a credit card) any chance of getting a refund if something did go wrong?

Any input would be great

Yes, there is a very good chance of getting your money back. Just make sure you follow Paypal's rules for seller protection. Verified address; signature confirmation if over the limit; etc.

mpix345 wrote in post #17034660
Yes, there is a very good chance of getting your money back. Just make sure you follow Paypal's rules for seller protection. Verified address; signature confirmation if over the limit; etc.

Why would Scoobert (the buyer) have to follow rules for seller protection?

Do not do the gift option as mentioned above. If you have to add the 3% for whatever reason then just do it so you have some protections.

moose10101 wrote in post #17035352
Why would Scoobert (the buyer) have to follow rules for seller protection?

That's a helluva good question moose. Not sure what that mpix guy was thinking...

I guess agreeing that "don't do Gift payment" was too simple.

You are alright, sir

I know you mean "make sure the seller is verified."

mpix345 wrote in post #17035902
That's a helluva good question moose. Not sure what that mpix guy was thinking...

I guess agreeing that "don't do Gift payment" was too simple.

Buckeye1 wrote in post #17035999
You are alright, sir

I know you mean "make sure the seller is verified."

How would one do that?

Great input guys.

Thanks


And yes I only pay with regular paypal.


Also: at one point it was against the terms of service to accept money as a gift for goods. And paypal would enforce this. Doesn't seem to apply to camera gear based on here and FM.

I have many friends to who work for paypal as I am in the town with the home of paypal. I will ask them what happened to this enforcement.

Note that a gift isn't a payment. So how can Paypal enforce anything if they only see a donation of money and not a purchase? They see no article being bought. Which is also why you can't get the money back - there isn't expected to ship any working item in the other direction.

pwm2 wrote in post #17038459
Note that a gift isn't a payment. So how can Paypal enforce anything if they only see a donation of money and not a purchase? They see no article being bought. Which is also why you can't get the money back - there isn't expected to ship any working item in the other direction.

Because at that point you are defrauding paypal of funds. Funds you agreed to pay when you signed up for an account with them.

Scoobert wrote in post #17038499
Because at that point you are defrauding paypal of funds. Funds you agreed to pay when you signed up for an account with them.

Sure. But that is irrelevant to the case of the visibility of this fraud to Paypal. They can't see if you send a PM on a forum somewhere and agree to buy an object and pay with Paypal gift. And what they can't see, they can't enforce. The seller and the buyer may know that it is breaking Paypals legalese, but Paypal doesn't know what you did agree with any seller.

If you have many friends who work at Paypal, why wouldn't you just ask them? Very odd.

Scoobert wrote in post #17038499
Because at that point you are defrauding paypal of funds. Funds you agreed to pay when you signed up for an account with them.

https://www.paypal.com …Q638&topicID=PA​YING&m=TCI

1) Paypal offers Personal payment as an option, and the only way they don't get a fee is if you have the money already in your account (or bank account) before you send it.

a) paypal created this mode of payment for use by its customers and thus isn't some back door, they do get fees each time you use something like a CC or debit card,

b) they may not have external fees when the transaction is very simply 2 electronic records in the system, and no CC is involved, it is just an electronic debit/credit record in the system so it's nice that they provide this option (or an ACH transaction between a bank and a paypal account), and

c) the money in your account is really in a various set of paypal money funds, and short-term interest can be pulled from these various accounts, so they are really actually making some money from those float accounts, albeit small, most likely around .15%.

2) Agreed that if you are exchanging money for goods, it is not a gift or personal payment, however people do abuse that, and eventually, if paypal's checks and balances kick in an exception, that account will no longer be given the option to accept gifts.

I am also pretty sure Paypal is managing their business and their users quite well, despite the implementation of personal payments.

As to your original question, if both parties follow the paypal policies exactly, and there is an issue, there might be some paypal recourse. However, claims like "not as advertised" generally get ruled in favor of the seller, because paypal cannot really make objective decisions based on the input they receive from both parties, and assume the seller's description was good enough. If there is something egregious and obvious, then perhaps the buyer will win that claim.

TeamSpeed,

It was my impression that "not as advertised" claims were typically ruled in favor of the BUYER not seller...