Am I covered if I don't have a receipt?

[Matthew58]

I recently made a private payment to someone to buy a TV for the mount of £300

Am I covered for buyer protection if I don't have a receipt as they didn't give me one?

[kernowlass]

@Matthew58 

Depends how you sent the payment / depends how you funded the payment / depends on the description of the item put on the payment request.

[Matthew58]

I sent the payment via Paypal using my credit card and I put in the description it was for a TV I didn't want to pay any fees so I put it as a product / service

[kernowlass · Accepted solution]

@Matthew58 

Trouble is that if you file a dispute for item received but not as described (if that does happen) then if the seller sent you a toy TV they may win as all you put on the description was TV !!!

How do I open a dispute with a seller when a purchase goes wrong?

You can open a dispute in the Resolution Centre of your PayPal account within 180 days of payment if:
•You don’t receive the item OR service
•You receive an item but it’s significantly different than the description on eBay or on the seller’s website

By opening a dispute, you can communicate directly with your seller to work out a problem transaction.

If you reach an agreement with the seller you can close the dispute. If you're still not happy with the result, you can escalate the dispute into a claim. Paypal will review the claim and decide on reimbursement.

These steps apply to Personal accounts. If you have a Business account, please log in to see the steps that apply to you.

To open a dispute:
1.Log in to your PayPal account.
2. Click on the transaction and use the resolve a problem option at the bottom of that details page.

Note:
•Generally buyers must wait at least 7 days from the date of payment to escalate a dispute for an item not received
•Where an item has not been received, please ensure you have given the seller enough time before opening a dispute

DO NOT CLOSE THE DISPUTE UNTIL YOU HAVE A CLEARED REFUND OR YOUR ITEM WHATEVER THE SELLER SAYS. ALSO DON'T FORGET TO ESCALATE THE DISPUTE TO A CLAIM WITHIN 20 DAYS IF THE SELLER DOES NOT REFUND.

If you lose because seller provides a fake tracking number (likely) then post back for more advice.
If the item arrives and its tat the make sure you CHANGE the dispute quickly before it closes to 'not as described'.
If that does not work then if you funded your paypal payment via a card then contact your card issuer and see if they will do a chargeback for you.

Also make sure you have activated the below link in case you have to return it if it does arrive and is misdescribed.
https://www.paypal.com/uk/webapps/mpp/refunded-returns

[Matthew58]

Thanks for all your help and yeah I see your point hmm will keep a note for future @

"Trouble is that if you file a dispute for item received but not as described (if that does happen) then if the seller sent you a toy TV they may win as all you put on the description was TV !!!"

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[Matthew58]

One point to note the fake tracking must also show that it was delivered to my house is that easy?