Found 18th Sep 2016
What's the safest payment method to use when purchasing an expensive item [£400]?

I have been using my credit card thinking my money was safe but it seems cc protection does not include paypal.

Any advice please?

Cheers.

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15 Comments

Just use PayPal

paypal

Original Poster

eslick

Just use PayPal



Is there any difference between paypal balance, bank account or bank debit card linked to paypal.

I don't have £400 in my paypal account.

If the seller accepts any other form of payment that is acceptable to you then use that method.
If not, either use paypal or don't buy it.

when you say

but it seems cc protection does not include paypal.


where is your source for this statement?

ssabres

Is there any difference between paypal balance, bank account or bank … Is there any difference between paypal balance, bank account or bank debit card linked to paypal.I don't have £400 in my paypal account.



Just link your credit card to it if you want to use the card, PayPal will take it off a credit card if you have one lined or a bank account if that's linked.

Original Poster

tardytortoise

If the seller accepts any other form of payment that is acceptable to you … If the seller accepts any other form of payment that is acceptable to you then use that method.If not, either use paypal or don't buy it.when you saywhere is your source for this statement?



MSE forum.

Warning! Don’t use PayPal to pay on a credit card

What’s the problem with PayPal?

Section 75 applies where there is a ‘direct relationship’ between a debt and the product.

If you’re just putting your credit card details into PayPal to pay, it counts as an agency, the path is broken, therefore you don’t have Section 75 protection.

ssabres

MSE forum.Warning! Don’t use PayPal to pay on a credit cardWhat’s the pro … MSE forum.Warning! Don’t use PayPal to pay on a credit cardWhat’s the problem with PayPal?Section 75 applies where there is a ‘direct relationship’ between a debt and the product.If you’re just putting your credit card details into PayPal to pay, it counts as an agency, the path is broken, therefore you don’t have Section 75 protection.


Do you think PayPal still covers your purchases though if things go wrong? A quick look at the T&Cs suggest they do. But as I say, if you are worried then either buy using a different method or do not buy.

The MSE Forum article you refer to is this one
moneysavingexpert.com/cre…621
which prompts me to ask you if you are buying something from ebay from a well known retailer or business seller or private individual. Because as the article says whilst Section 75 may not apply "chargeback" will in certain circumstances.
And you may find this page useful.
paypal.com/uk/…ity

Edited by: "tardytortoise" 18th Sep 2016

ssabres

MSE forum.Warning! Don’t use PayPal to pay on a credit cardWhat’s the pro … MSE forum.Warning! Don’t use PayPal to pay on a credit cardWhat’s the problem with PayPal?Section 75 applies where there is a ‘direct relationship’ between a debt and the product.If you’re just putting your credit card details into PayPal to pay, it counts as an agency, the path is broken, therefore you don’t have Section 75 protection.



​I once sold a phone on ebay. Accepted money via PayPal, sent the phone recoded post. About 3 months later got a message from PayPal looking for the £250 I had been paid as the buyers credit card company had done a charge back.

Reason for the charge back is they claimed their card was stollen and used fraudulently.

So credit card companies can do charge backs via PayPal.

As 3 months had past, I had thrown out proof of postage.

I lost money due to this - had I retained the proof of postage, PayPal would have taken the hit.

This was a few years ago now, not sure if the law changed.

Robj1

​I once sold a phone on ebay. Accepted money via PayPal, sent the phone r … ​I once sold a phone on ebay. Accepted money via PayPal, sent the phone recoded post. About 3 months later got a message from PayPal looking for the £250 I had been paid as the buyers credit card company had done a charge back. Reason for the charge back is they claimed their card was stollen and used fraudulently. So credit card companies can do charge backs via PayPal. As 3 months had past, I had thrown out proof of postage. I lost money due to this - had I retained the proof of postage, PayPal would have taken the hit. This was a few years ago now, not sure if the law changed.



That is not claiming under section 75. They are claiming their card was compromised and therefore the other rules doesn't apply. Chargebacks will still work if you claim it was fraudulently used.

However in such cases PayPal should have requested proof of postage from you and providing you could supply that information they cover. Happened to me once and luckily I had the receipt. That was a few years ago, now I keep all my receipts no matter how old.

Cash on collection for expensive items that can be collected locally. However, PayPal at one's peril.

joshp

That is not claiming under section 75. They are claiming their card was … That is not claiming under section 75. They are claiming their card was compromised and therefore the other rules doesn't apply. Chargebacks will still work if you claim it was fraudulently used. However in such cases PayPal should have requested proof of postage from you and providing you could supply that information they cover. Happened to me once and luckily I had the receipt. That was a few years ago, now I keep all my receipts no matter how old.



​that's surely PayPal ripping u off they should have checked if the card was stolen or not what has that got to do with wether u have the receipt of postage or not as the dispute wasn't over the item being posted rather there and the credit card and police issue of the funds being stolen they take commission on offer protection if it's funded by stolen payment I don't see that has having anything to do with u posting item or not if they claimed it wasn't received then that would be your fault did you complain about this I assume u did but they always try and get others pay for there mistakes body rip offs

muddassarsardar

​that's surely PayPal ripping u off they should have checked if the card … ​that's surely PayPal ripping u off they should have checked if the card was stolen or not what has that got to do with wether u have the receipt of postage or not as the dispute wasn't over the item being posted rather there and the credit card and police issue of the funds being stolen they take commission on offer protection if it's funded by stolen payment I don't see that has having anything to do with u posting item or not if they claimed it wasn't received then that would be your fault did you complain about this I assume u did but they always try and get others pay for there mistakes body rip offs



Paypal make up their own laws and does what it likes, this has happened to me many times with chargebacks months later. Not only do they refund in full, they also further charge £14 for 'dealing' with the chargeback.

muddassarsardar

​that's surely PayPal ripping u off they should have checked if the card … ​that's surely PayPal ripping u off they should have checked if the card was stolen or not what has that got to do with wether u have the receipt of postage or not as the dispute wasn't over the item being posted rather there and the credit card and police issue of the funds being stolen they take commission on offer protection if it's funded by stolen payment I don't see that has having anything to do with u posting item or not if they claimed it wasn't received then that would be your fault did you complain about this I assume u did but they always try and get others pay for there mistakes body rip offs



​Completely agree, fought it as much as I could, I eventually got a bailiff letter due to refusing to refund - where I paid up straight away, could do without the hassle of that!

Original Poster

After reading up on more info, decided to pay via credit card [through paypal].

Thanks for suggestions.

ssabres

After reading up on more info, decided to pay via credit card [through … After reading up on more info, decided to pay via credit card [through paypal]. :{Thanks for suggestions.


hope it all goes well for you.
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