05-02-2007, 01:20 AM
[quote M A V I C][quote Plumbking] If buyer wins judgement will Paypal withdraw from my bank account?
Yep, or your credit card. Wrong. PayPal lost a nice little lawsuit over this practice a few years ago, and has not yanked funds without authorization since then.
If you do lose a dispute, then the buyer is generally instructed to send the item back to you. Once tracking shows that you have received it, Paypal refunds the buyer. They'll take any funds in your paypal account to do so. If there is not enough to cover it, your account will go negative. Any incoming payments will be used to fulfill the refund. You will not be able to send any payments (including payment of ebay fees) until your account is brought back to zero. They can and will "piggyback" the owed amount onto any payments you might make, but there is full disclosure as to the total amount you are authorizing to be pulled form your selected funding source, and you do have the option to decline to make any payments.
Regarding the dispute itself, assuming that it has been more than 6 weeks since the payment was made, you should prevail in a SNAD claim. If it's a chargeback, things are iffier. Are you subject to a PayPal claim, or a CC chargeback?
Yep, or your credit card. Wrong. PayPal lost a nice little lawsuit over this practice a few years ago, and has not yanked funds without authorization since then.
If you do lose a dispute, then the buyer is generally instructed to send the item back to you. Once tracking shows that you have received it, Paypal refunds the buyer. They'll take any funds in your paypal account to do so. If there is not enough to cover it, your account will go negative. Any incoming payments will be used to fulfill the refund. You will not be able to send any payments (including payment of ebay fees) until your account is brought back to zero. They can and will "piggyback" the owed amount onto any payments you might make, but there is full disclosure as to the total amount you are authorizing to be pulled form your selected funding source, and you do have the option to decline to make any payments.
Regarding the dispute itself, assuming that it has been more than 6 weeks since the payment was made, you should prevail in a SNAD claim. If it's a chargeback, things are iffier. Are you subject to a PayPal claim, or a CC chargeback?