Did they specifically ask you to use a personal payment rather than as a purchase?
Did they specifically ask you to use a personal payment rather than as a purchase?
Is there no way to revert the transaction?
Most of the times you see some address of this person when paying (don't know if this also applies to personal payments)
What is his email? You should tell PayPal to see if he has more transactions. Also, you should tell them that you did not know about it. (Their last sentence is also "Please let us know if you require any further assistance."
So you should ask for help.
What was it that you wanted to buy anyway?
There is no address, only have his email.
130$? Damn, I think it's not your fault at all. There are heartless people, it's really sad.I had the option for both, yet being a dick I went with Gift. It was a impulsive buy and I cheaped out not paying the 4%, because shipping was more than expected.
For the sake of 4% I should have paid it to protect the $130.
Update:
Basically, I'm screwed, which I already thought so. Here is PayPal Response:
Dear ........
Thank you for contacting PayPal.
I've reviewed the transaction ID (............................) on your account and I can see that this payment is a ‘Personal’ payment.
Personal payments are not intended for the purchase of goods or services from sellers and therefore cannot be disputed.
Personal payments can be used for the following:
As Personal payments are not for the purchase of goods, there is no buyer or seller protection offered on these transactions and as such, a buyer dispute cannot be opened.
- Sending a gift
- Sharing a lunch bill
- Paying your share of the living expenses
- Sending money to friends and family.
Purchase payments are for paying for an item, such as something won on eBay. You can open claims for these payments, as they might be eligible for coverage under PayPal Buyer Protection.
We encourage you to communicate with the seller to resolve the problem.
Please let us know if you require any further assistance.
Yours sincerely,
Anna Poorani
PayPal
Oh, you'll need to do this then without delaying it.I did speak with my bank before and they said can open a dispute next week as they have to wait 15 days after the money cleared. I'll try Paypal again and hope the bank steps in.
I did speak with my bank before and they said can open a dispute next week as they have to wait 15 days after the money cleared. I'll try Paypal again and hope the bank steps in.
Be careful with that, since paypal already denied a refund they're likely to close your account if you reverse bank funds.
It didn't get robbed, you gifted it to this guy, there is no way he could give back your money if he didn't want to. Plus if PayPal said no (because it's their right to do so, you refused their protection) and you try to find your way with your bank you can face serious issues with PayPal.Sounds like Paypal are legal crooks themselves. It's silly as it's your money at the end of day that was basically robbed.
if you don't care about that paypal account, you mighjt try to ask your bank to charge back.. try to provide proof about the scam (like messages)Update:
Basically, I'm screwed, which I already thought so. Here is PayPal Response:
Dear ........
Thank you for contacting PayPal.
I've reviewed the transaction ID (............................) on your account and I can see that this payment is a ‘Personal’ payment.
Personal payments are not intended for the purchase of goods or services from sellers and therefore cannot be disputed.
Personal payments can be used for the following:
As Personal payments are not for the purchase of goods, there is no buyer or seller protection offered on these transactions and as such, a buyer dispute cannot be opened.
- Sending a gift
- Sharing a lunch bill
- Paying your share of the living expenses
- Sending money to friends and family.
Purchase payments are for paying for an item, such as something won on eBay. You can open claims for these payments, as they might be eligible for coverage under PayPal Buyer Protection.
We encourage you to communicate with the seller to resolve the problem.
Please let us know if you require any further assistance.
Yours sincerely,
Anna Poorani
PayPal
It didn't get robbed, you gifted it to this guy, there is no way he could give back your money if he didn't want to. Plus if PayPal said no (because it's their right to do so, you refused their protection) and you try to find your way with your bank you can face serious issues with PayPal.
Hopefully you learned your lesson and you won't cheap out when you deal with this kind of stuff again.
if you don't care about that paypal account, you mighjt try to ask your bank to charge back.. try to provide proof about the scam (like messages)
this will likely get you "banned" from paypal if the bank succeeds.. (but i guess you can create an account in other bank and a new paypal if you really need to)
or:
"dear paypal, you can have the dollahs, but don't get this guy go away with it"
You don't really have to worry about debt collectors. Put a fake phone number in so they won't call you, and if they email you send it to junk mail. If they find a way to contact you then just deny that you're the person they are after. They can't do anything.Paypal can do a whole lot more than just terminate your paypal account if you gave them access to your bank info, which 99% of people using paypal have done.
They can pursue your ass because they're the one that gets screwed, not the scamming seller. Ever had debt collectors on your ass? Not fun.
You don't really have to worry about debt collectors. Put a fake phone number in so they won't call you, and if they email you send it to junk mail. If they find a way to contact you then just deny that you're the person they are after. They can't do anything.
How? They have no idea who you are. You don't have to provide a driver's license or anything. Or are they going to damage the credit rating of every Mary Smith (or whoever) on the face of the planet?and your credit rating gets the shit kicked out of it, and ruins your financial stability for life.
Awesome.
This.and your credit rating gets the shit kicked out of it, and ruins your financial stability for life.
Awesome.