Quote Originally Posted by paypalreallydoessuck View Post
Hi,

I doubt this post will remain here for very long but I'm hoping that Paypal stumble across it whilst browsing through this site and I may send them a copy to have a browse through.

The main reason for this post is to explain how I a) got my money back from paypal for a scam I was subjected to, b) to try and push them to make some changes and c) to show how easy it really is.

Yes, I understand that most of the people on this site will dislike my views and give the old "your the reason we made this site blah blah" but so be it. To be honest I think drastic action is needed for them to make any changes, it's been so long and nothing seems to have changed.

It all started when I was subject to a scam involving an item sold on ebay. I sent the item happy as larry and the next day a chargeback had been initiated. I was relatively new to selling and had no idea that if I'd sent to an unverified address I wasn't covered by Paypal. You've heard it all before I know but it really was unacceptable and they even took the money from my bank to cover the negative balance!

I wanted my money back, no matter what (£500 worth) so I started investigating the scams. It turned out to be a lot easier than I first expected. Basically it goes like this:

Opened a new paypal account (they didn't even pick up on the same name & address)
I sell an item of high value
Someone buys it and pays via paypal
I make sure my paypal address IS verified

Now the tricky part...

DON'T SEND IT!

...sounds to easy?

Well, as I'm verified the buyer gets their money back, takes a few weeks but they do get it all back as I made sure I was verified.

This leaves my paypal account in a negative balance.

Paypal will then try to get their money back but you just send that good old 'debt collector template letter', you know the one that asks for evidence of debt etc? Well that was over 3 years ago. Paypal stopped asking after the first letter I sent, they won't bother following it up unless its over 5K. I lost my paypal account but did I really care? Google Checkout runs rings around it in my opinion.

So, paypals negligence cost me £500, yeah so it was the scammers fault at the end of the day but paypal have a responsibility to look after us as customers and they did not want anything to do with me when I needed their assistance the most. I obviously couldn't get the money from the scammer but they should never have passed the blame onto me.

I got my £500 back doing my scam, the buyer got their money back and paypal have been left out of pocket. That works out fine by me.

I urge anyone who's been subject to a scam through paypal to take this route. Most of you won't agree and that's fine, you carry on playing by the rules and letting paypal walk all over you and govern what happens to your money but if you really want to see results you're going to have to play dirty.

The only way paypal are going to make a change is if things start getting serious, people have been complaining for years about how secure it is(n't) and nothing has changed. They clearly think very little of their customers and the only way I believe they will make changes is if their system starts becoming utterly ridiculous, they need to be forced into making a change.

Leave them out of pocket, then maybe they'll take responsibility.
That's horrible!