Refund from F&F transaction

[e_lancs]

I paid money last week for an item and the seller asked if I could send the money through F&F rather than business. I have asked for updates over the past 2/3 days and been ignored and asked for my money to be refunded as it’s not a small amount of money. Am I still entitled to a refund if I am being ignored by the seller?

[kernowlass]

@e_lancs 

Sadly not ...

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.

You also 'risk' having your account limited as using that option for purchasing goods is against Paypal rules.

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.