Looking for an opinion ...

[dyanni]

John - I HAVE beaten myself up about not using a CC! I added one to PayPal - but just had it as a backup to checking. I liked knowing I was only spending what I had on hand. I got his email last night from a different ebay member ( someone I didn't know ) who offered this advice ...

Hi,

I noticed your post about your unforunate experience on eBay. I have a Merchant Account, I proccess Credit Card orders, and know that your Best recourse is thru Your credit card company. I Sure hope you used a credit card when paying via PayPal??? Any way, if you did, contact your credit card company and file a Dispute. Tell them that you were billed for products/services you never received. They will ask you for proof and information regarding this transaction and I'm sure you will get your money from them. In turn they will go back to PayPal for their money....PayPal is just a Large Merchant Account like me and every other company that proccesses credit cards. Then PayPal will have to chase this guy.

I am President of a Online Marketing company and 99% of all our receipts are from Credit Cards. We, from time to time, have people trying to dispute their charges even after they receive the goods. There is Always someone trying to get Something for Nothing!!

Always pay with a Credit Card online, don't get fooled when using PayPal and send an eCheck or let them debit your account, you Always have recourse with you Credit Card company. Run it thru your credit card company...I think they All offer online fraud protection and on top of that, you have been defrauded, you never received your goods!!

And if by chance you did use PayPal's option of eCheck or Debit I think you still have cause with your Bank. It has been my experience, that a person like this does not have the ability to repay so "Putting him Up Against the Wall" will not put cash in your pocket!! (I have been there...Done that!!)

Good Luck and Best regards,
Woofer Smith

Nice Guy - to take the time out to send that to someone he doesn't know.

Despite the length of this thread - it only happened Oct 25th ( payment date ) So I will see what Bank of America can do for me today.