Fraud and Paypal Chargeback

[charmaine]

i sold a new mobility scooter (over the phone and delivered in person) to someone might be a credit card fraudster and now ive been given a £1700 chargeback on my paypal virtual terminal account by the customers credit card company whilst they investigate bringing the balance to negative1600ish. which means whilst they sort it out between the banks (which can take 75 days would you believe!) , and the police look into it (no comment how long they take, they've already lost my report), i can't take any cards because any monies which go into the paypal virtual terminal account, getting swallowed by the negative fund balance and I cant order their stock. All paypal said was that they dont offer protection for sellers, they wont tell me which credit card company is investigating so i know what's going on and told me to fund my account myself so i can trade - which i cant do.... duhhh.... i swear, my head nearly imploded earlier .

What protection can i get against chargebacks like this happening again? because i dont think the business can survive another hit, if i can even get through this one..
Anyway, I thought i'd see if you knew anything about chargebacks and protection for retailers. thanks guys x x x x x:D

[entertaintoday]

not sure what advice to give you, but I think you'll be covered if th security checks came through as OK. ie, address, poscode and CVC match ok If any fail, you are not covered.

I recently got hit with a fraudster, and to reduce the chances of this happening again, I now only supply to UK addresses, as that's all Paypal are able to check.

[KayJay]

I'm not how it works with Paypal, but with our card payment provider, we can make a Code 10 call to them if we suspect a card is fraudulent. You need the full card number, exp date etc and they then check the delivery address to the address supplied and whether any lost or stolen reports have been made. This can help you decide if a transaction is genuine, but obviously only works if you are suspicious of the deal in the first place. You can also do this for foreign transactions but I seem to remember there is a nominal charge for that service.

[mikeyred]

Have the facility but hardley use it - so you can restrict Paypal to the UK ..... how is best to do this???

[entertaintoday]

I've restricted my whole service to uk, not just paypal payments. The calling code 10 is good if you get the card details, but we don't when using paypal.

[Neil]

I have to say that i'm surprised that you are using payapl when dealing with orders of that value.

What fraud checks they do? If you know where it is i'd claim it back.

[entertaintoday]

that crossed my mind too, you delivered in person right? so go round with a baseball bat in person haha :)

[the funky fairy]

If you delivered it yourself and the proper checks were carried out you should be ok, however you might want to contact a bailiff agency and retrieve your goods as the item is not paid for it still belongs to you until payment is made.

[john]

If you delivered it yourself and the proper checks were carried out you should be ok, however you might want to contact a bailiff agency and retrieve your goods as the item is not paid for it still belongs to you until payment is made.

Not unless you get a court judgement against the buyer and then if not paid up to the court you then employ a bailiff, if you try and retrieve the goods yourself you can be charged with theft, legally the goods belong to the person that has them and you are just an ordinary creditor, been all through this in our B & M days.
Unless you have proof that there was no prior intention to pay the police regard it as a civil matter which you must pursue yourself.

The law and its upholders are all complete asses, just like our unelected Scottish idiot Prime Minister.