Assassin's Creed IV Black Flag Collector's Editions set sail straight into your living room

[LowlyAssassin]

Originally Posted by SwiftDeath

In the US, you can file a chargeback with your credit card company if something goes terribly awry and it gets you your money back

It's kind of a worst case scenario solution as it takes the money back from paypal so paypal no like

But because of laws here paypal has to accept it although sellers have recourse actions and such

It usually works out ok so long as your reasoning was justified

Its the same here in the UK but I was told that if PayPal was involved that the rules that apply to allow a charge back to happen would not be acceptable, probably for the reason that PayPal have there own methods in place
But I don't have a credit card so have not researched the issue
Although I am also in aware if a bank /debit /current account can also do a charge back

[SwiftDeath]

Originally Posted by LowlyAssassin

Its the same here in the UK but I was told that if PayPal was involved that the rules that apply to allow a charge back to happen would not be acceptable, probably for the reason that PayPal have there own methods in place
But I don't have a credit card so have not researched the issue
Although I am also in aware if a bank /debit /current account can also do a charge back

Hmmm I know numerous occasions when people just chargeback if paypal try to screw them or takes too long (chargebacks have a time limit as well but longer think its 60 days here)

Anyways so I know several people who only make large purchases through paypal via credit card as it's another layer of protection

[MadMan5]

Originally Posted by SwiftDeath

Hmmm I know numerous occasions when people just chargeback if paypal try to screw them or takes too long (chargebacks have a time limit as well but longer think its 60 days here)

Anyways so I know several people who only make large purchases through paypal via credit card as it's another layer of protection

After trying to get a pre-order policy amendment with PayPay this is were we stand with PayPal on their PayPal Buyer Protection Policy.

Thanks for contacting us. Based on your selection, the following FAQs may assist you faster than we can:

A. How do I open a dispute on a transaction?
B. Why was my dispute closed?
C. What?s the status of my claim?

(Don't worry. These links won't redirect you to another webpage.)

If these do not answer your question, please reply to this email with as much information as possible.

Yours Sincerely,
PayPal


A. How do I open a dispute on a transaction?

If you haven't received your item or the item you received doesn't match the original product description, we have a dispute process to help you and your seller resolve the issue as amicably as possible. Where possible, you should always try contacting your seller before disputing a payment through PayPal but do bear in mind that you have 45 days from date of payment to open a dispute.

Here's how to open a dispute:
Log in to your PayPal account.
Click Resolution Centre.
Click Report a problem.
Click Report a problem.
Select I have a problem with an item I purchased, and then click Continue.
Click Find Transaction ID.
Click the Transaction ID next to the transaction you want to dispute, and then click Continue.
Select the reason for your dispute, and then click Continue.
Enter additional information on the Provide Additional Information page, and then click Continue.
After you've opened a dispute, you have 20 days to communicate with the seller. Disputes automatically close after 20 days. If you can't resolve the problem, you can ask us to investigate by escalating your dispute to a claim within the 20 days. We won't investigate disputes filed after 45 days, but we will take note of your problem.

To learn more about your rights through PayPal Purchase Protection, click Legal Agreements on any PayPal page, then click User Agreement for PayPal Services.

B. Why was my dispute closed?

When you open a dispute in the Resolution Centre, you must follow some specific guidelines. We automatically close or defer cases that don't follow these guidelines.

If you?re not satisfied, we encourage you to work directly with your seller to resolve the problem. (You?ll find their contact information on the Transaction Details page.) Most sellers welcome the opportunity to make their buyers happy.

Here are the most common reasons a dispute is automatically closed:

The dispute was filed over 45
You have to open a dispute within 45 days of the transaction date. You opened your dispute more than 45 days after the transaction date, so it was automatically closed.

The dispute was not escalated within 20 days
If you can?t resolve the problem with the seller, you have 20 days from the date you opened the dispute to escalate it to a claim. Your dispute was automatically closed because it wasn?t escalated within 20 days.

You already closed the dispute
According to our records, you resolved the problem and closed the dispute in the Resolution Centre. We don?t re-open cases that are canceled or closed.

The dispute was for an intangible or virtual item
We can only investigate transactions that involve items that can be shipped. Your dispute was closed because your item is virtual or intangible.

You filed the dispute through eBay
Since you have already opened a claim with eBay, your PayPal claim has been closed. Please continue to work with eBay to resolve this issue.

To learn more about how we investigate transaction problems, click Legal Agreements at the bottom of any PayPal page, then click User Agreement for PayPal Services.

C. What?s the status of my claim?

You can check the current status of your claim at any time by visiting the Resolution Centre.

To view the status of your transaction dispute:
Log in to your PayPal account.
Click Resolution Centre at the top of the page.
Select Open Cases in the drop-down on the Resolution Centre page.
Click the Case ID number under the Case column to view the status of the transaction in question.
If the dispute is escalated to a claim, PayPal seeks to resolve the claim within 30 days of the date the claim is filed, though such time frame can be extended, if appropriate, to accommodate the investigation.
If additional information is required, we will email you with the specific information we need along with the steps to provide us with that information.

PayPal Australia Pty Limited.
Copyright(R) 2013 PayPal Australia Pty Limited ABN 93 111 195 389 (AFSL 304962). All rights reserved.

Any general financial product advice provided in this email is provided by PPA and has not taken into account your objectives, financial situations or needs.

Thanks for getting back to me but my question is still not answered:

Game company's and game seller sites have items you have pre-order in advance of release date so we pay for the Item upfront under the PayPal Buyer Protection Policy in all cases it is more than 45 day to months till the item is sent out.

If the item is not in a satisfactory condition (damage to item etc) when it is received and the place where the item was brought including overseas transaction and postal service does not give much help in replacing the item.

Ok this is getting hard so I will put it in questions:

1. I have brought a game on a games seller site, it's a pre-order in February 2013 the game is not released untill November 2013.

2. ''PayPal but do bear in mind that you have 45 days from date of payment to open a dispute.''

3. It is now November (more than 45 days since transaction) and the pre-order has been released and posted and it is not in a satisfactory condition (damaged in transit including from overseas transport say) when it has been received.

4. So my question is it looks like we are not covered under the Paypal Buyer Protection Policy because it is more than 45 days from transaction is this right?

5. If this is so what can be done to rectify the problem as it looks like no one will take responsibility. Item not covered under the buyer policy the company were the item was brought will say item was fine when posted and the postal company will say is the item insured when posted.

6. If the item was not insured who's fault is that? The sellers because there is no way to insure item on site when buying item or the buyers.

7. So my point is, Items brought that fall under a pre-order transaction and paid upfront are not under the Paypal Buyer Protection Policy because the item was received after 45 days.

8. If this is so is there anyway we can be protected when buying items on pre-order?

A pre-order policy I can not see why there should not be one as there is a binding agreement between parties it is just the time the buyer has to wait to get the item that is the problem.

Thank you

Thank you for contacting PayPal with your concern.

If you buy something that never arrives, or if it arrives significantly different than described, you're eligible for a full refund through PayPal Purchase Protection.

You are eligible for PayPal Purchase Protection if:

You used PayPal, an eBay invoice or clicked the Pay Now button to purchase the item.
You paid for the item with one payment (items purchased with multiple payments are not eligible for Purchase Protection).
You paid for the item by sending a payment for goods. Personal payments are not covered under PayPal Purchase Protection.
The dispute is for tangible, physical goods (excluding customer made goods) that can be posted and are not prohibited by PayPal. Payments for intangibles, services, licenses, items that violate eBay's Prohibited or Restricted items policy, and other digital content are not protected.
You open a dispute in your PayPal account via the Resolution Center within 45 days of the payment. You can work with the seller in the Resolution Center to resolve the problem.
If you can?t resolve the problem with the seller, you can ask us to investigate by escalating the dispute to a claim.

To learn more about PayPal Purchase Protection, click ?Legal Agreements? at the bottom of any PayPal page, and then click PayPal User Agreement.


PayPal Buyer Protection only applies to PayPal payments for certain tangible, physical goods that can be shipped. We are unable to grant you a refund because your payment was for one of the following items:

Intangible items, including Digital Goods
Services
Real estate, including residential property
Businesses
Vehicles, including motor vehicles, motorcycles, caravans, aircraft and boats
Deposits made for vehicles or other items
Custom made items
Travel tickets, including airline flight tickets
Items prohibited by the PayPal Acceptable Use Policy
Items which you collect in person, or arrange to be collected on your behalf
Items that violate eBay?s Prohibited or Restricted Items Policy
Industrial machinery used in manufacturing
Items equivalent to cash, including prepaid or gift cards
PayPal Direct Payments
Virtual Terminal Payments
Personal Payments

Sincerely,
Wanee
PayPal

PayPal Australia Pty Limited.
Copyright ? 1999-2013 PayPal. All rights reserved. PayPal Australia Pty Limited ABN 93 111 195 389 (PPA) holds an Australian Financial Services Licence, number 304962. Any general financial product advice provided in this email is provided by PPA and has not taken into account your objectives, financial situations or needs.

So at the end of this I still have no answer to my question of cover after 45 days?.

Looks like to me this has to change not sure how but there has to be some form of protection when paying for goods that are on pre-order and are not is a good condition when received.

[SwiftDeath]

Originally Posted by MadMan5

So at the end of this I still have no answer to my question of cover after 45 days?.

Looks like to me this has to change not sure how but there has to be some form of protection when paying for goods that are on pre-order and are not is a good condition when received.

Yep no real protection through paypal when you order/pre-order 45 days or more before date you will receive the item (note it's not the shipping date of the item, very important)

You can open a paypal claim at the 44 day mark which extends it for another 20 days but doing so usually adds a red flag to your paypal account in a lot of these big companies online stores

Some stores will block your paypal account if you open a claim escalate it and then get your money back even if they were at fault

Therefore credit card is far preferred for pre-ordering

[MadMan5]

Originally Posted by SwiftDeath

Yep no real protection through paypal when you order/pre-order 45 days or more before date you will receive the item (note it's not the shipping date of the item, very important)

You can open a paypal claim at the 44 day mark which extends it for another 20 days but doing so usually adds a red flag to your paypal account in a lot of these big companies online stores

Some stores will block your paypal account if you open a claim escalate it and then get your money back even if they were at fault

Therefore credit card is far preferred for pre-ordering

If your pay by PayPay my card is linked to it so is there some cover then after 45 days.

[SwiftDeath]

Originally Posted by MadMan5

If your pay by PayPay my card is linked to it so is there some cover then after 45 days.

Ah ok if you payed through paypal, but with a credit card then you should be covered under the credit card policy

I would look up your CC policy on charge backs as it should give you the time limit on that

Most US cards are 60 days to my limited knowledge