THIS IS NOT A THREAD FOR YOU TO TELL "YOUR STORY" OR HOW MUCH YOU HATE PAYPAL. READ THE INFORMATION I'VE COLLECTED AND TAKE IT ON BOARD OR DON'T. IF YOU HAVE SOMETHING CONSTRUCTIVE OR ADDITIONAL TO ADD, PLEASE DO SO. "**** PAYPAL" IS NOT CONSTRUCTIVE. IT'S TAKEN ME A COUPLE DAYS TO WRITE THIS UP AND I THINK IT'S PRETTY MUCH INCLUSIVE OF WHAT YOU "NEED TO KNOW" TO HAVE HAPPY PAYPAL EXPERIENCES. DO NOT FILL THIS THREAD WITH "SCAM" STORIES.
Here's my QUICK little take on Paypal.
Paypal is a great tool... but like any tool, if you're not using it properly, the chances of getting hurt by it are pretty good.
The first thing to understand is that Paypal is not your friend. They don't care about you. They don't care if you're lying in a hospital dying or were out of town on vacation and didn't get their emails. THEY DON'T CARE ABOUT YOU!
Most people who think they've been scammed by Paypal simply made the mistake of assuming Paypal cared. Do yourself a big fat favor before you ever make your first transaction. READ THE PAYPAL POLICY! If you ever got "scammed" by Paypal, the chances are probably about 99.9% that YOU didn't do something you should have that was clearly spelled out somewhere in the POLICY. People just simply send money or ship an item and assume you're covered if anything goes wrong. Paypal is not an insurance or warranty source... they're just a mediary for money transfers and their RULES are very clearly spelled out.
"USER AGREEMENT" should be something you read end-to-end.
Some of the **** in there is unbelievable and I guarantee you'd never think about.
If you choose to read only a few things:
Section 10: SELLER PROTECTION POLICY
Section 13: BUYER PROTECTION PROGRAM
Section 14: DISPUTES WITH PAYPAL (basically if there's even the slightest little thing you've done anything wrong with section 10 or 13, you'll neve win).
NOTE: The full PAYPAL "BUYER PROTECTION PROGRAM" SPECIFICALLY ONLY APPLIES TO ITEMS PURCHASED ON EBAY. ITEMS PURCHASED OUTSIDE EBAY (forum classifieds, etc...) ARE COVERED ONLY THROUGH THE "BUYER COMPLAINT POLICY". SECTIONS 13.7/13.8/13.9 SPELL THIS OUT VERY CLEARLY!!!
Policy Updates Page:
A few things you might not know about Paypal:
You agree that you will not receive interest or other earnings on the funds that PayPal handles as your agent and places in Pooled Accounts.
You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method.
Sellers may not communicate to buyers that they only accept, or will not accept, specific forms of PayPal payment.
Except as otherwise agreed by the parties or as described in section 14.3, you agree that any claim or dispute you may have against PayPal must be resolved by a court located in either Santa Clara County, California, or Omaha, Nebraska.
PayPal Buyer Complaint Policy - Our best efforts program to reimburse Users for losses only to the extent we are able to recover the funds from sellers.
RULES TO LIVE BY WHEN SELLING WITH PAYPAL!
1. ALWAYS ALWAYS ALWAYS ALWAYS use some sort of "trackable" shipping service. Paypal will always require you to submit proof that the package was delivered.
2. Take pictures of the products you're selling, including any serial numbers... and take pictures of the item in the box you're shipping it in to prove it was packaged well.
3. Archive the ad you placed online so you can prove exactly what you told the seller about the item.
4. Be very specific about the shipping timeline and stick to it.
5. Print/Save all emails/PM's.
6. Never ship to a P.O.Box.
7. Be very specific about your RETURN POLICY.
RULES TO LIVE BY WHEN BUYING WITH PAYPAL!
1. When you "send money", be very specific in the comments section. Things to include: a specific description of the item, including condition, color, application, age, and a shipping timeline.
2. Always try to send money from you bank account.
3. Never send more money than the user agreement states you're covered for.
4. File a complaint the INSTANT you have recieved a bad product, or a specific timeline is not met. File a complaint, then send an email to the seller. Sellers will drag buyers on (or vice-versa) until their statute of time has passed... FILE A COMPLAINT!
5. Open the box carefully, remove the item carefully, do nothing with the item other than place it back in the box if it isn't exactly as described... file complaint immediately.
If you read through all of this stuff, visit the websites I've linked, and understand exactly how Paypal operates, it will start to sink in that it's a complete crap-shoot every time you use the system. You are extremely vulnerable and the decision-making-process is heavily weighted in favor of the seller.
When you send money through Paypal, there are absolutely ZERO guarantees. Any seller who knows the USER AGREEMENT can beat any buyer who doesn't, 100% of the time. If you know the rules, and follow them, you stand a good chance of being able to recover at least some (if not all) of your funds. But if you violate even one of the clearly spelled out rules/conditions/clauses/steps/lists/etc... then you're screwed, you have no leg to stand on, and Paypal won't give a **** because they told you how to do it right.
That's my advice... check the pic for an example of how I write my "send money" subject box. Hope this helps some people.
(check out the links page)