Instagram scam

[Lxaurence]

Hello, I live in France. Someone contacted me on instagram selling a fake product who then scammed me and made me lose 200€ by sending me fake Paypal emails, how can I get my money back? According to the application, there's no scam, so I can't get my money back.

[kernowlass]

@Lxaurence 

Did you use your paypal account to send the funds or did they request payment another way?

If you used your paypal account then did you send it using goods/services or friends/family?

[Lxaurence]

I used PayPal and i was new so i didn’t know that they have two options so it was the first family&friends that was chosen…

[kernowlass]

@Lxaurence 

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), which 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.

[Lxaurence]

Yes i didn’t know that so they didn’t want to refund me. I used all the tool in my bank account but i don’t think it will work…