waiting

[cecelia1800]

i paid for an item a week ago and i asked the seller to let me knopw once they got the payment and to let me know when they posted the item and i havent heard a thing from them and i dont think they have posted the item how long do i wait? and any ideas on what to do as i sent the seller 2 emails

[2011.narelle]

Since you don't have PayPal protection to get your $ back for this transaction take any details of this with you to the bank so that they can reverse the payment or get you $ back.I think chargeback is more the term if someone has used your card without your permission,not sure on that.

The fb for this seller is terrible for not sending items & JMO i would not buy from them.When you are looking at an item also check the seller's fb to see if there is a risk/problem & if you are unsure buy elsewhere or pay by PayPal.

Post an update about what your bank says or does about it ok.

I really hope it goes well for you

[cecelia1800]

i will let u know how it goes when i get back from the bank, thanks for the advisw

[cherry*135]

You have to have paid for the item by credit card to try and get a chargeback.

[2011.narelle]

Just my advice,others may have different ideas/advice/experience that may be better.

i will be curious to read what your bank says & it's handy to have it up here if anyone  else needs to know.

I had my bank account misused for a car parts purchase on engine mounts that were not posted (non eBay) a couple of years ago.My Newcastle Permanent really fought to get my $150+ back & did about 1 month later.

[cherry*135]

You can open a item not received case (probably won't lead to getting your money back as you didn't pay by Paypal).

If you didn't receive an item you paid for, open a case in the Resolution Centre. (If you paid with PayPal, you'll be directed to file a dispute at the PayPal Resolution Centre.)

http://pages.ebay.com.au/help/buy/questions/item-not-received.html

[cherry*135]

Yes, no harm in going to the bank.

Chargebacks are only for credit card payments.

What is a chargeback?

Chargebacks occur when buyers ask their credit card company to reverse a transaction that has already been approved. Common reasons for chargebacks include:

• Item not received. Buyer pays for an item but never receives it.
• Item significantly different. Buyer pays for an item but receives item significantly different than expected.
• Unauthorised use. A buyer's credit card number is stolen and used fraudulently.

A chargeback must be filed within credit card association regulations and timeframes.

https://www.paypal.com/au/webapps/mpp/security/sell-chargebackguide1

[2011.narelle]

Sorry,probably dumb question(don't yell at me I'm drinking bourbon),but how does she go if it's a normal bank debit card like mine NAB  savings account that is also a Visa card ?Anyone?

As a buyer i only use PayPal so i don't know this,As a seller i haven't had any problems with bank deposit& I didn't want to give her bad info & no-one else was answering.

[bakeandfry]

Ok if your debt card is also visa, then yes you can use it in place of normal credit card. As long as funds are in account. Take card and look at the back of it were you sign your name, if its got 3 little numbers on it your in luck, hay presto, credit card ( now I wonder how many members are pulling there cards out to look)

[cherry*135]

Debit card is using your own money in bank account... no buyer protection. 

You get given the following option from memory, when going through eBay resolution, for an item not received. 

Report Online Auction Fraud

​​​Are You The Victim Of Online Auction Fraud?

All police jurisdictions throughout Australia have agreed to streamline their procedures to make it easier for members of our community to report incidents of online auction fraud.

There are several popular online auction websites. The largest of these, and thereby the most common source of complaints, involve eBay.

To make a complaint of online auction fraud please follow the steps outlined below:

• Step One: Reporting Your Dispute to the Online Auction Website.
• Step Two: Determining the Country/State of the Offender.
• Step Three: Lodging Your Complaint with the Correct Jurisdiction.​

http://www.police.qld.gov.au/programs/cscp/eCrime/internet/report/

[lyndal1838]

A VISA debit card acts the same as a credit card....you can do a chargeback just as you do for a credit card.

It also has the same effect as a credit card as it makes your payments instant, even though the money is coming from your bank account.