Questions Of Cash: 'Pay fraud on eBay left me £560 out of pocket'
Saturday 14 August 2010
Q. I recently listed a camera for sale on eBay. The item sold to a bidder in Lithuania and I received a PayPal payment. I telephoned eBay to check the transaction was legitimate: the operative told me everything was in order and it was OK to send the camera to Lithuania.
I asked if a PayPal payment could be reversed: she said the only reasons were if the item was faulty or did not arrive. There was no mention of fraud. PayPal now says the payment was unauthorised and has been reversed. This has left me with a negative balance of £560.08 on my PayPal account, for which it is demanding payment.
Apparently, there is a further check I could have done when I received the PayPal payment. However, the eBay representative did not mention this despite my concerns about the transaction. PayPal tells me it is not responsible for the advice that eBay gave me. AF, by email.
A. You were the victim of a fraud: the payment to you was not authorised by the holder of the PayPal account used to buy the item. PayPal says that all sellers must follow certain rules in order to be covered by its seller protection guarantee. Those rules are that goods should only be posted to the address that appears in the transaction details; caution must be exercised if the seller is asked to post the items to a country that is different from the address of the PayPal account; recorded delivery, or another form of trackable delivery, should be used; proof of delivery by signature should be obtained.
You sent the camera to an address in Lithuania not listed on the transaction details screen and therefore lost your eligibility for seller protection for this transaction. However, given the misleading advice given to you by the representative of eBay (which owns PayPal), PayPal has credited your account with £610.09 as a goodwill gesture, which includes an extra £50 to compensate you for distress. Debt collectors who were instructed to take action against you shortly after you wrote to us have been told to take no further action.
Q. I cannot retrieve £650 from Smile bank. I overpaid my landlord by £650, so she arranged to transfer the money back to me on 19 April. Unfortunately, there was a wrong digit in the sort code and the money was transferred to an incorrect number. She contacted the bank immediately and reported this.
Since then, the bank has still been unable to retrieve the cash. Smile has been contacted numerous times to make some progress, but without success. I have tried speaking to them via their complaints department, but they say they will not deal with me or even update me, even though my landlord has specifically asked them to do so. She is speaking to them every week but they have made no progress. IT, Glasgow.
A. It has taken us several months to get to the bottom of this, but eventually this has been resolved. The original mistake was by you, when you made an overpayment. You compounded this by giving your former landlady the wrong sort code to transfer the money back to you.
Your landlady was under the impression that the money had not been returned to her. But, after speaking to both your bank, Lloyds, and your landlady's bank, Smile, we have established that the funds were returned to your landlady's account six days after she sent them using the wrong account information.
Your landlady failed to notice this at the time, but she now accepts the money was returned to her account. There is therefore no reason for her to not make the refund to you – this time using the correct account details.
Q. I have my gas and electricity supplied by EDF Energy. I received a letter from the company headed "Great savings with EDF Energy". This explained that EDF was aligning the prices on my Online Tariff Version 5 with its "competitively priced standard tariff" from 1 August 2010. On examination, these prices are substantially higher. I queried this with EDF and was told that it had cheaper products available if I wanted to check its website. I have three issues with this: the misleading heading on the letter; being moved to a more expensive tariff than my current deal, even though the same company is offering cheaper deals, and the lack of notice before the change was implemented. MW, Milton Keynes.
A. EDF has now spoken to you and discussed your tariff options. As a result, it has moved you to a tariff cheaper than the Online Tariff Version 5. A spokeswoman for EDF explained: "We are unable to transfer customers on to other online products for legal reasons, as a customer must opt-in to these products [because of] potential cancellation fees. Online prices are often time-limited to better reflect wholesale market movements and to allow customers to choose regularly what tariff they want to be on.
"These time periods are typically a year and customers can make significant savings compared to our standard prices during these periods. A typical customer will have saved £445.96 compared to our standard prices since the tariff was launched on 5 January 2007."
Q. I set up a standing order with my bank, Lloyds TSB, in June 2006 for repayments on a car loan. This arrangement was supposed to cease on 10 June this year with a final payment of £241.
Despite me reminding the bank before then and checking that this would happen, the bank made a further standing order payment on 12 July. I have spent two weeks trying to get Lloyds to repay me the money. I am so angry I will move my account. RB, Cumbria.
A. Lloyds says that shortly after you set up the standing order in 2006, you changed the payment date. This had the effect of missing one of your monthly payments. Consequently the final payment was due in July this year, not June. You have accepted this explanation.
Questions of Cash cannot give individual advice. But if you have a financial dilemma, we'll do our best to help. Please email us at: firstname.lastname@example.org.
Independent Partners; request a free guide on NISAs from Hargreaves Lansdown
- 1 Nigel Farage: Me vs Russell Brand on Question Time – he's got the chest hair but where are his ideas?
- 2 Harry Potter fans can apply to the Hogwarts-inspired College of Wizardry
- 3 Jessica Chambers: 19-year-old woman 'doused with lighter fluid and burned alive' in the US
- 4 Russell Brand calls Nigel Farage 'poundshop Enoch Powell' in BBC Question Time debate
- 5 Orange Wednesdays are no more
Disgruntled RBS worker writes hilarious open letter to Russell Brand after anti-capitalist publicity stunt leaves him hungry
Nigel Farage defends Kerry Smith 'ch***y' comment: 'If you are going for a Chinese, what do you say you’re going for?'
Nigel Farage's approval rating hits 'record low' as popularity suffers in wake of Ukip sex scandal
Pakistan school attack live: Taliban kill at least 132 children in 'horrifying' massacre
Sony hack: Angelina Jolie branded 'seriously out of her mind' in further embarrassing leaked email saga
Panic Saturday: 13 million Britons spend £1.2bn – while 13 million others across the country live in poverty unable to afford food
iJobs Money & Business
$200 - $350 per annum: Carlton Senior Appointments: Managing Producer Office...
$125 - $225 per annum: Carlton Senior Appointments: San Fran - Investment Advi...
Up to £70,000 per annum + benefits: Sheridan Maine: Are you a qualified accoun...
Up to £65,000 per annum + benefits: Sheridan Maine: Are you a qualified accoun...
Day In a Page
A three-bedroom villa with self-contained flat, minutes from Lake Windermere
A deceptively spacious, beautifully presented Georgian home with 3000sq ft of living space and five reception rooms
A five-bedroom Victorian home with four receptions, superb gardens and paddock in Pembury
An eight-bedroom house on the south side of the The Green with cinema, wine cellars and summer house
This 17th century beauty is full of rustic cosiness, while the detached home office means you can also run a business
This five-bedroom red-brick beauty overlooks the village green and sits in just under two acres of land
Four exclusive apartments in a Grade II-listed former medical school with 2,275 sq ft of living space and 18ft ceilings
A five-bedroom terraced house on the popular Peterborough Estate, ideally located for both Eel Brook Common and South Park
A state-of-the-art farm-building conversion on the former Cliveden Estate, with 11,420sq ft of internal space, cinema and wine cellar
A three-bedroom, 15th-century cottage with original features in the picturesque village of Sissinghurst
A six-bedroom terraced house with large south-facing roof terrace, cinema room and wine cellar
A new seven-bedroom home built in Queen Anne-style with swimming pool and parkland views in Mortimer
A listed, four-bedroom farmhouse in the rural hamlet of Rushall with detached barn, four acres of gardens and paddocks
A first-floor flat with two bedrooms, a spacious reception room and communal grounds in a leafy part of London
A three-bedroom flat with a spacious rootop terrace and balcony, accessed from a private gated courtyard
A Grade II-listed pile with six bedrooms, stables and 39 acres of grounds in Standlake
A two-bedroom flat with boutique hotel-style interiors, close to the foodie haunt of West End Lane
A two-bedroom flat in a beautiful old vicarage, with many original features, close to the city centre
A three-bedroom 16th-century home with an aga kitchen, private gardens and heated outdoor pool, in Hadleigh
A three-bedrom home in sought-after Queen's Gate Mews, with Italian marble-finished bathrooms
Surrounded by glorious countryside in the village of Udimore, sits this impressive four-kiln oast and barn conversion
A five-bedroom house in the picturesque village of Kettlewell, north Yorkshire
An 18th-century former coaching inn with original staircase, open fireplaces and beams throughout
A Grade II-listed Georgian town house with three bedrooms and a south-facing courtyard, near Arundel Castle
Feel on top of the world at this über chic penthouse on the 37th floor of one of Europe’s tallest blocks.
A Grade II-listed Victorian villa with six bedrooms and two further cottages, all with spectacular sea views
A grade II-listed, Georgian cottage with mature 50ft garden, perfect for summer entertaining
A magnificent Georgian pile with turrets, seven bedrooms, a heated pool and four acres of gardens
Fairoak Farm has five bedroom suites, gym, outdoor swimming pool and golf course
Chic two-bedroom river-fronted flat with a private lift that delivers you directly to your home
A spectacular seven-bedroom Tudor pile, once owned by Henry VIII, with 18 acres of land
A seven-bedroom Georgian property previously used as a picturesque wedding venue
A split-level flat in a church conversion with two en suite bedrooms and 1,200sq ft of living space
A three-bedroom bungalow situated behind an impressive stone wall, £645,000
Windsor Castle overlooks this three-bedroom Victorian cottage located on one of Windsor's smartest roads
Chapel House is a former vicarage with nine bedrooms in the beautiful Upper Wye Valley
A five-bedroom B&B and separate owner's accomodation with potential for conversion
Enjoy summer by the Thames in this two double-bedroom converted warehouse in Rotherhithe village
A one-bedroom, luxury apartment with private gym and concierge service in Moorgate
A four-bedroom house in Hermitage Gardens with three reception rooms and landscaped gardens