Refunding a bank transfer payment....

[mcbaj]

Hello.

I recently sold and item to a customer, and they have paid, via bank transfer. The payment has not come thorugh as of yet,  maybe Tuesday it will arrive in my account.

 But. Since their purchase, the buyer has sent me numerous emails which are rather nasty and the last was threatening to give me negative feedback. I don't really care about the neg, most people can see though the neg comments anyway, plus the comments this buyer has left for others, they will see straight through it...

Anyhow, I want to refund their money and NOT send their goods. As I said, the neg I don't care about, what I do care about is being treated like this.

So, I may have to contact my bank about this tomorrow about this, but can i reverse or block their payemnt coming through to my account, with having their account details?

I have had a couple of bad customers over the years but this customer has really gotten my goat and I'd rather lose a sale than giving them the items they bought.

Cheers.

[cherry*135]

Yes, bank deposit is not covered under eBay MBG. Only safe payment methods are covered, which are the 3 in pj's post above.

Bank deposit is not a safe payment method.

[cherry*135]

Is the buyer getting nasty because you haven't sent the item? With the threats of negs sounds like they are trying to force you to send the item.. they haven't done the bank transfer and voila.. free item for them.

[black*poppy]

I think it can be read differently. There have been cases of buyers claiming not as described thru MBG following DD.  Maybe depends on the CS rep on the phone that day. I'm only going by what I've read.

[cherry*135]

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@black*poppy wrote:

Covered

Purchases are covered by the eBay Money Back Guarantee when all of the following are true: An item isn't received or it isn't as described in the listing. A buyer reports that they didn't receive an item or requests a return within the eBay Money Back Guarantee timelines. The buyer made the purchase on eBay.com.au via checkout or an eBay invoice with one of the following payment methods: PayPal Credit card or debit card Paymate

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Bank deposit isn't covered as it is not a safe payment option, the other three listed above are.

[cherry*135]

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@black*poppy wrote:

I think it can be read differently. There have been cases of buyers claiming not as described thru MBG following DD.  Maybe depends on the CS rep on the phone that day. I'm only going by what I've read.

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No, eBay don't rule/refund if a buyer pays by bank deposit. 

[cherry*135]

Note under other payment methods there is no mention of cover by eBay MBG.  

Accepted safer electronic payment methods

PayPal, Paymate and merchant credit card are eBay's accepted safer electronic payment methods. All sellers on eBay.com.au are required to offer at least one of these, and most purchases using these methods are covered by eBay Money Back Guarantee*. Payment is fast and easy – just click Pay Now.

PayPal

www.paypal.com.au

Paymate

www.paymate.com

Credit card

 *For full details, terms, conditions and exclusions, see eBay Money Back Guarantee.

  Other payment methods

As long as they offer one of the safer payment methods above, sellers can also offer these options.

Payment on pick-up

Bank transfer / bank deposit

Cheques, money orders

Cash on delivery (C.O.D.)

[i-once-was-bump]

The buyer made the purchase on eBay.com.au via checkout or an eBay invoice with one of the following payment methods

That is very poorly written because the "or" makes it read in two ways. One that the payment methods listed only apply to the purchase method that follows the "or" and the second way that the payment methods apply to both purchase methods.

As usual ebay have failed to check and check again that their policy is airtight and indisputable.