Fraud

[Foolishmum]

So I got pulled in thinking I would get a big pay out from a person on Facebook in Kansas, USA. I was so sucked in that I gave my money and payment was never returned, she advised me not to put insurance on and instead use as trusted person. I had collected all the evidence and put in a complaint to PayPal and in return they thought it was legit. I'm so shocked that they wouldn't consider seeing evidence. I was so foolish to even consider doing this and how or where do I start. I've never meet this lady nor live in the same country and yet she still continues to contact me for my money to be sent.

[kernowlass]

@Foolishmum 

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.