Help

[Aaliyahlynn]

So last night I was on Facebook market place and I was going to purchase something from a guy named <Removed>. I sent him 171 $ for the phone I was supposed to receive. He told me to send the money so I did. I asked him when he was going to ship the phone and he blocked me! I called him on everything and he blocked me on everything I just want my money back! But I clicked family/friend as he told me to so it was personal instead of the other option. Help!?

[kernowlass · Accepted solution]

@Aaliyahlynn 

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.

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.