I got scammed and the payment was via F&F how can I file a dispute?

[JakeSquid]

Hey there!

I payed a "website developer" to code a website for me, after paying I realised that the website was copy and pasted AKA not coded as seen it was pre-made via a plugin which we found soon after. Upon telling him I was filing a dispute he calls me a "scammer" and refuses to send a refund also he deleted the 2 TEMPLATES he put there which can easily be replaced.

I am looking for a refund to pay an actual coder to code for me but here's where my issue goes down. This was indeed a payment intended for business but he demanded F&F or he wouldn't go through with the website. I am sure its a violation of ToS to use F&F for business. Someone please tell me how I can file this without getting my bank involved.

[kernowlass]

@JakeSquid 

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.