Tell me how I would get scammed...

[bananabar]

And that's my point about the T&Cs covering PayPal, not you.

How the hell is a seller supposed to know that a CC is stolen?! That should lie entirely with PayPal and if it turns out to be stolen, PayPal should foot the bill.

Check out http://www.paypalsucks.com/ - some of the stories on there are simply amazing and it has some great tips on using (or not using) PayPal.

Something from the site:

1. According to PayPal, accepting their ToS (Terms of Service) in effect means you waive your rights to credit card consumer protection laws if you want to use their service, and that you may not issue a chargeback for unauthorized use of your credit card and PayPal account, or if you do, then they have the right to limit your account.

 

[Blue Velvet]

I think a seller can follow the rules 100% and still get hit with a chargeback from a stolen credit card.

Not if your transaction is covered under Seller Protection. It has to meet several conditions.

Sellers who meet the Seller Protection terms and conditions will not be held liable for activities relating to reversals or chargebacks for up to £3,250 GBP (or equivalent in the currency of the relevant transaction) per year. Examples of the type of activities resulting in a reversal or chargeback include the unauthorised use of credit cards or debit cards or false claims of non-receipt. Qualified transactions will be displayed as 'Seller Protection Policy Eligible' in the Transaction Details page for a given transaction.

Read and learn


Under Paypals general terms and conditions, which are clearly accessible to all:

When you receive a payment, you are liable to PayPal for the full amount of the payment plus any Fees if the payment is later invalidated for any reason. In addition to any other liability, if there is a Reversal, or if you lose a Chargeback or Claim and you are not entitled to a payment under the Seller Protection Programme, you will owe PayPal an amount equal to the Reversal, Chargeback or Claim and our Fees per section 8 (including a Chargeback Fee if applicable) and PayPal will debit your Balance to recover such an amount.

 

[Babiipiink]

I have sold a lot of items on craigslist and I always get those people who are "on vacation in Europe" but need the item to be shipped to their "home in Africa", or to their "son who is graduating as a present." People send fake paypal verification emails, from an account that they sent up and they change the display username to some nonsense, posing as paypal. The email usually says something to the effect that "this person has a verified address" and blah blah blah. Now, if you're a complete idiot and don't log on yo your paypal account an verify that the money is indeed there, you will be fooled into sending the item to the address they give you, thinking you have been paid. Don't get me wrong, people can still send you payment , but tell payapl that they haven't received the item, when they actually have, and payapl may charge your account and hold you liable for the item that the customer "didn't receive" (yea right). I NEVER ship and item to some on craigslist, I meet locally and in PUBLIC during the daytime, and with a weapon in case they try some funny business. Some may think that is still unsafe, but I don't trust paypal with my life.

(Sorry for the long post)

 

[grandmachar2002]

I have sold a lot of items on craigslist and I always get those people who are "on vacation in Europe" but need the item to be shipped to their "home in Africa", or to their "son who is graduating as a present." People send fake paypal verification emails, from an account that they sent up and they change the display username to some nonsense, posing as paypal. The email usually says something to the effect that "this person has a verified address" and blah blah blah. Now, if you're a complete idiot and don't log on yo your paypal account an verify that the money is indeed there, you will be fooled into sending the item to the address they give you, thinking you have been paid. Don't get me wrong, people can still send you payment , but tell payapl that they haven't received the item, when they actually have, and payapl may charge your account and hold you liable for the item that the customer "didn't receive" (yea right). I NEVER ship and item to some on craigslist, I meet locally and in PUBLIC during the daytime, and with a weapon in case they try some funny business. Some may think that is still unsafe, but I don't trust paypal with my life.

(Sorry for the long post)

yes always check your account and make sure its there and only send to a verified address

 

[bananabar]

Under Paypals general terms and conditions, which are clearly accessible to all:

But if you've had troubles with PayPal you'll know that PayPal themselves certainly are not clearly accessible.

When it's all gone wrong it's all too late. I got the police involved and threatened PayPal with small claims court but to no avail (thankfully for me, I got my item back off the 'buyer' - long story)

Read PP's T&Cs all you want Blue Velvet, they mean next to nothing. There's something about the fact that they're based in Luxembourg too, and therefore laws don't have much weight on them and so even taking them to court can achieve next to nothing.

 

[Blue Velvet]

Read PP's T&Cs all you want Blue Velvet, they mean next to nothing.

I don't just read them. I follow them. All my expensive sales have been covered perfectly and Paypal have been a pleasure to deal with in correspondence. I don't think many of you understand the difference between their policies and how to ensure that your transactions are covered. A lot of blame gets thrown Paypal's way but it's almost always because people didn't read and follow the terms and conditions correctly...

Always read the fine print and follow it to the letter. Keep documentation, correspondence and photos. Get confirmation from Paypal that your expensive item is covered under Seller Protection Policies. Note that this is only available to Premier account holders and Verified Business accounts and is only available on certain transactions.

RTFM

 

[bananabar]

You missed my point - keep all the documentation etc etc., but they won't look at it. Not until it ends up in court.

They are their own laws and their own adjudicators.

For example, let's say I as a seller sends something and they say it was 'not as described' - I'd have my money taken off me and PayPal would close the case. Only in a court of law would they look at all the documentation I'd carefully kept.

 

[grandmachar2002]

its just not worth it

 

[andyblila]

Now hear me out...

I am selling something..a computer, on craigslist. I got one of those crazy i live here ...out of country...buying for a friend..blah blah blah ect.. emails.

Since Iam selling the computer, and I can wait to send it until i get the money, tell me how i would get scammed.

She is using paypal. If i dont get the money, i aint gonna send the computer.
So, here is the email. Please tell me how i would get scammed.

There is no way for her to get my information, and i have no money in my paypal account.

Thanks guys!

Hello Tim,

Sorry for my tardy response, I have been pretty busy, i am presently out of the country on a national assignment here in the middle east and will need your atmost assistance in sending it to my brother who works in west africa. I want to get it for him as his Xmas gift. I will provide the shipping information as soon as possible, and i am also willing to pay an additional $200 usd to cover the shipping fee by usps express mail. I have an online PayPal account that i can use to pay you.
Let me know if it can be arranged or you can send a money request to my PayPal account (sweeteve101@gmail.com) for the payment. I will be waiting to hear from you so that we can work on how best to send it...Thanks for your time

Evelyn

I know its probably a scam, i guess i am just curious as to how she would scam me.

I got the exact same email from an Evelyn in May. It's a scam. If you call "her" on it....she'll quit contacting you. Tell her you accept cash only.

 

[grandmachar2002]

I got the exact same email from an Evelyn in May. It's a scam. If you call "her" on it....she'll quit contacting you. Tell her you accept cash only.

i deal with so many that I now just ignore them