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I have tried to open a dispute about a payment I sent more than two months ago for two bespoke dog coats that I have not received. I then found out that there is no buyer protection for a personal payment. The woman I sent payment to is giving me the run around and I need to get my money back. Surely there must be a way to do this. Please help. Thank you.
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.