Need help paying though friend / family — link to credit card

[Esasamaybe]

Hi I purchase phone from the seller on Facebook and paid 250£ used friend / and family but link to my credit card But the seller not provide me the tracking number. Can I make report and get back my money? Any one help me

[Anonymous_User]

As Personal payments are not for the purchase of goods, there is no buyer or seller protection offered on these transactions and as such, a buyer dispute cannot be opened.

You could always communicate with the seller to resolve the problem or contact your local Consumer Purchase council and ask for advice.

[kernowlass]

@Esasamaybe

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 his paypal fees and negates your buyer protection at the same time. That is also why you would be unable to open a dispute apart from an unauthorised transaction (if your account was hacked and used without your consent).

You also risk having your account limited for using this option when you are purchasing goods as its against Paypal rules.

Your only hope is if you funded your paypal payment via a credit card then contact your card issuer and see if they will help you but unfortunately again as it was a 'gift' of money they may decline as well.

[Esasamaybe]

How about chargeback? So I have to contact my credit card or Paypal?

[kernowlass]

@Esasamaybe

A chargeback is done directly via your card issuer, paypal can't help you as you negated your buyer protection.