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Re: Re: Have I been burned!? (Wed Feb 5 01:23:02 2003 )
Michael [View profile ]
http://Michaels.rubberslug.com
m_lisser@hotmail.com

You can claim the money back, but you will have 
to do it through the Credit Card company (I can't 
imagine Pay Pal will be much help). There are 
basically two approaches you can take.

1. Claim that the payment wasn't made by you, 
simply ask your bank what the payment was and 
query it stating that you never made the payment 
(or at least you don't think you did). This 
forces the Cred Card company to query the 
merchant (be that Pay Pal or the third party) who 
then must produce evidence (generally a receipt) 
showing that you did make the payment (generally 
within a fixed time period of about 6wks, 
depending on the CC company) if they fail to 
produce the evidence that it was your payment 
then they must refund the money. 

2. If they do show that it was your payment then 
the next step is to state that the payment was 
made for goods which were never delivered, hence 
it was fraud. Again they go to the company making 
the claim and ask for proof (and around we 
go ...). If they fail to prove they delivered the 
product they must refund the money of face being 
cut off (actually the CC company pays you and 
then goes after them). 

Its kind of strange, and something that isn't 
widely advertised, but you are reasonably 
protected using a Cred Card. However you may get 
stuck as "Drac" (I think) pointed out that it was 
PayPal making the transaction and not the third 
party (but its worth a try). 

A final note, think of all the "over the phone" 
transactions people make which can later never 
prove to be made by the shop.....IMHO it leaves 
this wide open to abuse....

Oh a final note, they generally like you to make 
an effort in resolving it yourself before the CC 
company steps in (and they may charge a fee 
depending on the company). 

Hope this helps.

Cheers

Michael



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