Fraud

Julian_8515
Contributor
Contributor
I fell victim to 2 fraudsters yesterday on Instagram I really didn't know what came over me, they made me believe in money double I wasn't in my sense when I fell for them I pay some money to them before I realized that I 'm been scammed.i paid the money to them through payal, total I paid was $ 180..please help me I would like to get this money back but I don't know how
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kernowlass
Esteemed Advisor
Esteemed Advisor

@Julian_8515 

 

A friends / family (or gift payment) is intended as a transfer of funds from family or friends to one another. For this reason, there is no processing fee when payment is made with bank or PayPal balance.
However as it is a gift payment, there is also no Buyer protection as no goods or services should have been exchanged.

If he was not a close mate or family member you should never use that option as it enables the seller to evade paying his paypal fees and negates your buyer protection at the same time.
You would also not be able to open a dispute apart from one citing an unauthorised transaction but that would be automatically closed as you did authorise the initial payment.

Be careful as using that option for purchasing goods is against Paypal rules and can lead to account limitation.

If you funded your paypal payment via a credit card then contact your card issuer and see if they will help you but unfortunately they may decline as well as it was a gift payment.

 

HOWEVER if you funded x1 sale using the goods/services option then file a dispute for non receipt of item or whichever option applies and if that fails then contact your card issuer and see if they will help you.


Advice is voluntary.
Kudos / Solution appreciated.

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4 REPLIES 4

kernowlass
Esteemed Advisor
Esteemed Advisor

@Julian_8515 

 

Would help if you said how you sent the funds ie which paypal transaction type.

Also how you funded that paypal payment.


Advice is voluntary.
Kudos / Solution appreciated.
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Julian_8515
Contributor
Contributor
I funded it with a debit card and 2 out of the 3 transactions was to friends and family because that's what I was asked to do while the other as business
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Solved

kernowlass
Esteemed Advisor
Esteemed Advisor

@Julian_8515 

 

A friends / family (or gift payment) is intended as a transfer of funds from family or friends to one another. For this reason, there is no processing fee when payment is made with bank or PayPal balance.
However as it is a gift payment, there is also no Buyer protection as no goods or services should have been exchanged.

If he was not a close mate or family member you should never use that option as it enables the seller to evade paying his paypal fees and negates your buyer protection at the same time.
You would also not be able to open a dispute apart from one citing an unauthorised transaction but that would be automatically closed as you did authorise the initial payment.

Be careful as using that option for purchasing goods is against Paypal rules and can lead to account limitation.

If you funded your paypal payment via a credit card then contact your card issuer and see if they will help you but unfortunately they may decline as well as it was a gift payment.

 

HOWEVER if you funded x1 sale using the goods/services option then file a dispute for non receipt of item or whichever option applies and if that fails then contact your card issuer and see if they will help you.


Advice is voluntary.
Kudos / Solution appreciated.
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Julian_8515
Contributor
Contributor
Thanks alot
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