Scammers on friends and family
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Fraud & Phishing
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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.
Lastly even if you had paid using goods/services you would not be covered by buyer protection as it does not cover items personally delivered or collected unfortunately.
Advice is voluntary.
Kudos / Solution appreciated.
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You pay a fee for a friends/family payment only if you fund it via a credit card.
If you used a bank account/debit card OR funds in your balance it is free.
The fee is the c.c. charge and is not to enable buyer protection which is a given as long as you use goods/services and don't use it for items personally collected or delivered.
Try a chargeback as you used your c.c but you may find they won't refund either as it was an f/f payment.
Advice is voluntary.
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Do you mean paypal credit OR credit of funds in your balance?
If the latter then you would not have been charged a fee unless the funds were in another currency so that sounds a tad odd?
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