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Today I lost 250 € by trying to buy an iphone on ebay-kleinanzeigen. Since I am not an experienced online buyer I easily accepted seller's request to transfer the money through "friends and family" option. When it was already too late I received a warning message from ebay-kleinanzeigen doubting about seller's solvency. Even if the user has a two years old ebay-kleinanzeigen account by reporting the case ebay-kleinanzeigen unfortunately doesn't provide any kind of security-protection method for avoiding scammers. But they kindly advise people who lost their money to report the case to the police since this is the only way to keep hope alive. I know it was a big mistake to transfer money through "friends and family" option to a stranger and I took my lesson not to do it again. But I am still wondering if there is any chance for a refund or this is just an inexcusable mistake? I have spend my whole day searching to find a solution to my problem and I found out this is a very common way for online buyers to lose their money. So I am coming to the conclusion to ask PayPal. When so many people continuously losing money through friends and family transactions why this not something would have been concerned for security improvement?
German translation follows...
The same for me here. I lost 590 euros 😞 . MY stupidity. I have never ever had a problem with online buying on Ebays etc.
Do you have any solution of this ?
Unfortunately there is no way to have your money back when you pay through "friends and family". That's why from now on you must avoid paying someone you don't know via paypal "friends and family".
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.