Bank charge back

[lloydim31]

Hello, I had a eBay case that the buyer said they never received the item this case was opened many months after the delivery. I showed proof of postage and never heard back from the buyer again. eBay closed the case. They have now asked their bank for a charge back and this was approved via PayPal. Does the eBay agreement not allow a buyer to do this as there are terms and conditions to the sale.

[rusticrye · Accepted solution]

To clear up the obvious confusion:

Ebay didn't close the case in your favour as such.  Sellers can only win Item Not received cases if they have tracking proving delivery to the correct address.  Cases auto-close after 30 days of non-activity, with neither party winning or losing, and that is what happened here.

A buyer can open a chargeback on PayPal for Item Not Received for up to 180 days from purchase date.

To contest this, the seller needs proof of delivery.

Proof of postage is completely useless for such a claim as it does not prove delivery. Obviously. The seller must refund the buyer in full, and use the proof of postage receipt to lodge a claim for loss in transit with the carrier. That's what the proof of postage receipt is for.

A chargeback for an Unauthorised Account Use claim can be made for up to 13 months from purchase date.

The only way to contest  such a claim is with a proof of posting receipt. 

Proof of delivery is completely useless, as an account hacker or other unauthorised user will hardly have the item sent to the account holder's address.

As you lost the PayPal case when you uploaded proof of posting, and you say you definitely sent the item to the correct address, ie. the one supplied by PayPal on the payment confirmation email, the chargeback must have been for Item Not Received.  You had no proof of delivery as required for this type of chargeback, so you naturally lost the case.

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@lloydim31 

@*knight-rider* 

@61stephenuk 

@*****sonny***** 

@ruby*tuesday 

[61stephenuk]

Proof of delivery is required to have protection against a chargeback as suggested by *knight-rider*

Item Not Received additional requirements

To be eligible for PayPal Seller Protection for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below:

• Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal Seller Protection on the "Transaction Details" page.
• You must provide proof of delivery as described below.
• https://www.paypal.com/uk/webapps/mpp/ua/useragreement-full#pp-seller-protection

[ruby*tuesday]

Yes a Bank Chargeback can be raised by the Buyer up to 12 months through PayPal. You need to provide PayPal with your Proof of Postage.

[lloydim31]

I gave PayPal my proof of postage and the bank approved in their favour and gave the money back to to buyer plus added £15 in charges?

[ruby*tuesday]

Did you Post to the Address sent to you on the PayPal Confirmation Email? The £15.00 is PayPal 's Processing Fee!

[lloydim31]

Yes it was posted to the confirmed address. Both on eBay and PayPal

[*knight-rider*]

`You need to provide PayPal with your Proof of Postage.`

i thought it was proof of delivery required Ruby, not postage, because if this was the case, tracking would`nt be needed.

[lloydim31]

Yes it was not proof of delivery as it was advertised as 2nd class only. However I had proof of postage postcode and house number.

[*knight-rider*]

well, as far as i`m aware, proof of postage is and never has been sufficient on ebay or paypal, it needs to be proof of delivery, because as i said, if proof of postage was enough, we would`nt need to post anything tracked. Whether this is the case with bank chargebacks, i`m not sure, but given it`s paypal who allowed the refund, i`m guessing they have`nt accepted your `proof of postage`.

[ruby*tuesday]

I do believe it is Proof of Postage for Charge Backs @*knight-rider* I stand to be corrected though 🙂

[*****sonny*****]

I was under the impression, for sellers to win a case, eBay required Proof of Delivery and Paypal only required Proof of Postage providing the item was sent to the address provided by Paypal.

[*knight-rider*]

wow, i did`nt know that! Just seems crazy to me that does, but hey, what do i know 🙂