So Livid right now! What to do now?

[beached_life]

Hi Guys,

I posted a thing here a while back about a chargeback with Paypal.

Buyer lodged chargeback for two $2.95 items plus $2.00 postage for each, so two charge backs of $4.95.

Upon eBay messaging her, she admitted that she did recieve them and was sorry! Yet, I forwarded Paypal the email reference and and a copy of her admitance.

Today Paypal email me, saying I am at fault, took, the two lots of $4.95 and charged me two $15 fees! I called them and they said it is my problem unless I can even show a reciept for postage. How do you do that when 3 stamps were put on an envelope. YET, wouldn't a buyers admission of saying they got them outweigh a postal reciept?Her admission was sent through ebay!

I just requested her details and called her, and told her she had better contact her bank and paypal, she said she doesnt care now as she doesnt have to pay!

This is wrong, I have the email that was sent through ebay, 3 actually, with her admittance that she did get them!

What can I do now, now I am out of pocket $40, nd I want this back! As clear that I am in the right!

I will go to the effort of lodging a small claims in court just in principle of the matter,

Any advise would be great

Thank you!

[punch*drunk]

The $15 is not a paypal fee.  It is the fee imposed by the buyers bank for implementing the chargeback.

There is is no mention of any fee for chargebacks in my merchant account's terms and conditions, and for the only chargeback I have ever had, I was not advised there would be a fee if I chose to fight it.

[jensmanchester-australia]

There is is no mention of any fee for chargebacks in my merchant account's terms and conditions, and for the only chargeback I have ever had, I was not advised there would be a fee if I chose to fight it.

Under the Paypal fees policy, which forms part of the Paypal User Agreement.

Chargeback Fee

To cover the cost of processing chargebacks, PayPal assesses a $15.00 AUD fee to sellers for credit and debit card payment chargebacks. (A chargeback occurs when a buyer rejects or reverses a charge on his or her credit card through the credit card issuer).

[lyndal1838]

The last time I did a chargeback I was told by my bank that there would be a $15 fee...if I was successful and the money was returned to me then the fee would be paid by paypal who would in turn pass it on to the seller.

If I lost then I would have to pay the fee.

[punch*drunk]

Under the Paypal fees policy, which forms part of the Paypal User Agreement.

Chargeback Fee

To cover the cost of processing chargebacks, PayPal assesses a $15.00 AUD fee to sellers for credit and debit card payment chargebacks. (A chargeback occurs when a buyer rejects or reverses a charge on his or her credit card through the credit card issuer).

That doesnt mention that its a fee passed on by the bank at all, its clearly states that its a paypal fee. Even if some banks have a fee for chargebacks, its unlikely they would all be the same amount.

In my earlier post I was referring to my merchant account, not paypal. There is no mention of any fees at all for chargebacks in my banks merchant account terms and conditions.

[wishuponastarcelebrationsandgifts]

An old boss used to let me loose with his personal credit card that was somehow tied to the truck dealership to the tune of 80k a month. I used to buy new old stock truck parts from GM  and then bulk resell them to other Isuzu dealers. 

I bought and signed daily on that card for 5 odd years for everything from employee safety gear to a 70 odd k  NSW RFS second hand fire truck 

... I am not doubting you though

.................... was I technically breaking the law way back when???

I have not read the legislation, and it has been quite a few years since I studied banking law, so I am only quoting what I have been advised by 2 banks when I asked.

It makes sense, as the cardholder is typically not permitted to give out their PIN numbers etc. Im practise it would only become an issue if there were unauthorised purchases on the card I would imagine. If you give out your credit card details to a third party and they go on a spending spree buying items you did not authorise them to buy, then I doubt there would be much recourse for the cardholder.

As for PayPal they should make it a requirement that you can only link a credit card that belongs to the PayPal account holder.