incorrectly repayment Recall

[sq_professional]

ended up using father’s card which was saved in our family eBay account instead of my father did not recognise the transaction and reported it to the bank

seller threatening me how do I send him his £4 

it’s a genuine mistake But bank not willing to send the money back 

seller is rude and I have a gent not providing bank details calling me lots of things

offered to purchase a Quillivant priced product which you would not need to send out but I’m not willing to agree to this, just been stupid. How can I resolve this?

[sq_professional]

So he is not willing to agree to me purchasing a product of equivalent price, but he does not need to send out

[john1297576]

Does not make sense, if bank not willing to send back, which does not surprise me, then presumably seller has been paid, so how can he threaten you?

Even if he has not been paid, sellers do not need to threaten buyers, after 4 days they simply cancel the sale and use reason buyer has not paid. Buyer gets an unpaid strike.

If it was really necessary to pay seller, then it has to be arranged between buyer and seller using PayPal or Bank Transfer.

However it is done, seller could not mark as paid, and you would have no satisfactory proof of payment.

The idea of buying another item and paying for it without it being sent, would no doubt work, but could lead to problems which are best avoided, or should only be done if satisfied that seller has not already been paid.

[*vyolla*]

If the payment has been reported as unauthorised then the seller has lost out and this is a false claim with the bank. 

Have you received an item from this seller?

If so, and they sent it by a trackable method showing delivery then they haven't lost out, eBay will cover them via their Seller Protection. 

If the item wasn't sent via a trackable method then the seller may have lost the payment and been charged a £16 fee.

[jckl1957]

As stated by @*vyolla* it isn't just the cost of the item, there is a fee which Ebay charge sellers when a case is opened against them by the buyer's payment institution, so the seller is out of pocket by the cost of the item, the postage - which they will have paid and had to refund - and the fine of over £16.

There is also the stress of having a payment dispute opened against them.  While making threats is never justified, I am not surprised they are angry.

Maybe send one more message, explaining you understand their anger, and ask them if there is any way you can put this right.  In this case, as you are at fault here, even though this person has been unpleasant, I would offer to send them cash through the post.

If they don't respond positively to a genuine apology and an offer to compensate them, I don't think there is anything you can do.

As a buyer, you must make sure you fund your own payments for purchases so such an error doesn't happen again.