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	<title>Comments on: Fraud</title>
	<link>http://www.kieranoshea.com/2007/03/31/fraud/</link>
	<description>A little spot on the web all about me, my work and my life in general!</description>
	<pubDate>Wed, 16 May 2012 11:49:36 +0000</pubDate>
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		<title>by: Kieran</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19628</link>
		<pubDate>Mon, 02 Apr 2007 21:47:32 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19628</guid>
					<description>Unfortunately its the willingness of the card guys to refund money that is part of the cause of the problem. What goes on behind the scenes when your money is refunded by the credit card company is they start to try and recoup the funds. Even if the buyer was just being an arse and got a refund from the card company because "he could" the company diligently goes about demanding money. Organisations like PayPal, rather than defending their corner, receive a claim like this from a credit card company that has issued a refund to one of their customers and just hand over the cash and leave their sellers of business account holders to foot the bill (aka taking their money).

As you can see the actual seller or business is so far removed from the initial action that caused the chain of events they haven't got close to a fighting chance to say "Oi!, thats not how it happened, the money is rightfully mine."

By all means buy and sell on eBay, but most certainly consider the methods of payments you accept. In future for anything much more than £50 I intend to demand cash if they intend to collect, or a cleared cheque if they want it posting. That was my contact with the buyer is direct and I have a fair chance with getting my money or compensation should anything go wrong.</description>
		<content:encoded><![CDATA[<p>Unfortunately its the willingness of the card guys to refund money that is part of the cause of the problem. What goes on behind the scenes when your money is refunded by the credit card company is they start to try and recoup the funds. Even if the buyer was just being an arse and got a refund from the card company because &#8220;he could&#8221; the company diligently goes about demanding money. Organisations like PayPal, rather than defending their corner, receive a claim like this from a credit card company that has issued a refund to one of their customers and just hand over the cash and leave their sellers of business account holders to foot the bill (aka taking their money).</p>
<p>As you can see the actual seller or business is so far removed from the initial action that caused the chain of events they haven&#8217;t got close to a fighting chance to say &#8220;Oi!, thats not how it happened, the money is rightfully mine.&#8221;</p>
<p>By all means buy and sell on eBay, but most certainly consider the methods of payments you accept. In future for anything much more than £50 I intend to demand cash if they intend to collect, or a cleared cheque if they want it posting. That was my contact with the buyer is direct and I have a fair chance with getting my money or compensation should anything go wrong.
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		<title>by: Paul</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19620</link>
		<pubDate>Mon, 02 Apr 2007 21:04:52 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19620</guid>
					<description>You can take Otis with you as well if you like ;-)  if he's there my dog will sort him out!!

Unfortunately it's going to get a lot worse before it gets better. The frustrating this is, the credit card companies do seem to be willing to help when this happens, I know plenty of people caught up in the card fraud thing and the card guys seem to be on the ball, ring up if they think something suspicious is going on, credit the money back to you etc...Its a shame paypal dont take the same stance but thats probably getting into legal stuff I know nothing about...but surely they cant just leave you high and dry. If the money wasn't in your account, you would not have given the laptop to him.

Will make me think twice before I sell something else on ebay, thats for sure.</description>
		<content:encoded><![CDATA[<p>You can take Otis with you as well if you like <img src='http://www.kieranoshea.com/wp-includes/images/smilies/icon_wink.gif' alt=';-)' class='wp-smiley' />   if he&#8217;s there my dog will sort him out!!</p>
<p>Unfortunately it&#8217;s going to get a lot worse before it gets better. The frustrating this is, the credit card companies do seem to be willing to help when this happens, I know plenty of people caught up in the card fraud thing and the card guys seem to be on the ball, ring up if they think something suspicious is going on, credit the money back to you etc&#8230;Its a shame paypal dont take the same stance but thats probably getting into legal stuff I know nothing about&#8230;but surely they cant just leave you high and dry. If the money wasn&#8217;t in your account, you would not have given the laptop to him.</p>
<p>Will make me think twice before I sell something else on ebay, thats for sure.
</p>
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		<title>by: Kieran</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19585</link>
		<pubDate>Mon, 02 Apr 2007 16:39:10 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19585</guid>
					<description>Thanks for your support Paul, I certainly see what you mean about taking a trip over there. I'll have a chat with some of my mates and see if we can't get something sorted.

I'm sorry to hear you got done in the past. The more people talk to me about this incident the more I realise that being defrauded isn't something that only happens to a few people - it happens a lot.

eBay, PayPal, the whole family, stink of just doing the bare minimum and towing the crap policy line. Its a miracle they are as successful as they are; you would think they could afford to assist fraud victims better seeings as how many good transactions they must have to have such a high user base.</description>
		<content:encoded><![CDATA[<p>Thanks for your support Paul, I certainly see what you mean about taking a trip over there. I&#8217;ll have a chat with some of my mates and see if we can&#8217;t get something sorted.</p>
<p>I&#8217;m sorry to hear you got done in the past. The more people talk to me about this incident the more I realise that being defrauded isn&#8217;t something that only happens to a few people - it happens a lot.</p>
<p>eBay, PayPal, the whole family, stink of just doing the bare minimum and towing the crap policy line. Its a miracle they are as successful as they are; you would think they could afford to assist fraud victims better seeings as how many good transactions they must have to have such a high user base.
</p>
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		<title>by: Paul</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19508</link>
		<pubDate>Mon, 02 Apr 2007 08:40:47 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19508</guid>
					<description>Unbelievable...You must be gutted

I know I'd most certainly take a few mates round there, you are probably correct, he's given an incorrect addr as he did give a duff tel no but for the sake of knowing I take a trip out there to be sure!

I got done years ago when buying my first house and it sure leaves a nasty in your mouth.  

It is disappointing that ebay aren't prepared to assist you, closing his account, well that wouldn't work as he'll just sign up under a different name but surely there is something they can do to protect future purchasers?</description>
		<content:encoded><![CDATA[<p>Unbelievable&#8230;You must be gutted</p>
<p>I know I&#8217;d most certainly take a few mates round there, you are probably correct, he&#8217;s given an incorrect addr as he did give a duff tel no but for the sake of knowing I take a trip out there to be sure!</p>
<p>I got done years ago when buying my first house and it sure leaves a nasty in your mouth.  </p>
<p>It is disappointing that ebay aren&#8217;t prepared to assist you, closing his account, well that wouldn&#8217;t work as he&#8217;ll just sign up under a different name but surely there is something they can do to protect future purchasers?
</p>
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		<title>by: Kieran</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19405</link>
		<pubDate>Sun, 01 Apr 2007 15:56:01 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19405</guid>
					<description>Thanks for the number, just what I was after :)

I'm not going to be more wary of buying and selling, I'm just going to be wary of PayPal and how they offer sellers no protection. In future I'm going to demand payment by cash for collection and cheque for posted items, waiting for the latter to clear of course. Because unlike a "cleared" PayPal payment, a cleared cheque truly means you have the money safe. Cash, well, that speaks for its self.

Being wary of buying and selling in a community environment after such an incident would be letting the cretins win and we just can't be doing that.</description>
		<content:encoded><![CDATA[<p>Thanks for the number, just what I was after <img src='http://www.kieranoshea.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>I&#8217;m not going to be more wary of buying and selling, I&#8217;m just going to be wary of PayPal and how they offer sellers no protection. In future I&#8217;m going to demand payment by cash for collection and cheque for posted items, waiting for the latter to clear of course. Because unlike a &#8220;cleared&#8221; PayPal payment, a cleared cheque truly means you have the money safe. Cash, well, that speaks for its self.</p>
<p>Being wary of buying and selling in a community environment after such an incident would be letting the cretins win and we just can&#8217;t be doing that.
</p>
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		<title>by: Norman Ralph</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19404</link>
		<pubDate>Sun, 01 Apr 2007 15:50:37 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19404</guid>
					<description>I know what you mean, there just isn't any trust these days. It's a vicious cycle too, as i am sure you will now be even more wary about buying and selling.

I can't see a way round the form filling. If you are going to report them to West Yorkshire Police, start by giving them a ring on 0845 6060606. I had to go and give a statement and provide a couple of bits of paper (bank statements in my case). They should let you know over the telephone what the procedure is, so if its too long winded then I guess you could knock it on the head then.

Norm</description>
		<content:encoded><![CDATA[<p>I know what you mean, there just isn&#8217;t any trust these days. It&#8217;s a vicious cycle too, as i am sure you will now be even more wary about buying and selling.</p>
<p>I can&#8217;t see a way round the form filling. If you are going to report them to West Yorkshire Police, start by giving them a ring on 0845 6060606. I had to go and give a statement and provide a couple of bits of paper (bank statements in my case). They should let you know over the telephone what the procedure is, so if its too long winded then I guess you could knock it on the head then.</p>
<p>Norm
</p>
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		<title>by: Kieran</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19402</link>
		<pubDate>Sun, 01 Apr 2007 15:43:46 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19402</guid>
					<description>I'm gathering the information I need from various sources and then I'm reporting him to the police. Do you know the best way of getting in touch with them? Id rather not have to spend ages down the station filling in forms if it can be helped but if thats the only way then I'll have to.

Sorry to hear you have fallen victim to fraud in the past too - it seems like its happening to more and more people these days. Whatever happened to good old fashioned trust *sigh*</description>
		<content:encoded><![CDATA[<p>I&#8217;m gathering the information I need from various sources and then I&#8217;m reporting him to the police. Do you know the best way of getting in touch with them? Id rather not have to spend ages down the station filling in forms if it can be helped but if thats the only way then I&#8217;ll have to.</p>
<p>Sorry to hear you have fallen victim to fraud in the past too - it seems like its happening to more and more people these days. Whatever happened to good old fashioned trust *sigh*
</p>
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		<title>by: Norman Ralph</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19400</link>
		<pubDate>Sun, 01 Apr 2007 15:22:11 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19400</guid>
					<description>They say caveat emptor (let the buyer beware) but if nothing else this proves caveat venditor (let the seller beware).

It is a really nasty thing for anyone to go through - I have been the victim of fraud myself. I hope you get something back, even if it is only the sight of him behind bars.

As commented before, at least file a complaint of theft.

Norm</description>
		<content:encoded><![CDATA[<p>They say caveat emptor (let the buyer beware) but if nothing else this proves caveat venditor (let the seller beware).</p>
<p>It is a really nasty thing for anyone to go through - I have been the victim of fraud myself. I hope you get something back, even if it is only the sight of him behind bars.</p>
<p>As commented before, at least file a complaint of theft.</p>
<p>Norm
</p>
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		<title>by: Kieran</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19397</link>
		<pubDate>Sun, 01 Apr 2007 15:15:31 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19397</guid>
					<description>&lt;blockquote&gt;
What did PayPal say to gip you our of their seller protection or whatever it’s called?
&lt;/blockquote&gt;
The way they got out of it was because the buyer collected the item. They require that the item is posted to a "confirmed" address and is trackable using an online tracking number such as royal mail track and trace.

Essentially the majority of eBay transactions are not covered in one way or another. They are as good as frauds themselves :(</description>
		<content:encoded><![CDATA[<blockquote><p>
What did PayPal say to gip you our of their seller protection or whatever it’s called?
</p></blockquote>
<p>The way they got out of it was because the buyer collected the item. They require that the item is posted to a &#8220;confirmed&#8221; address and is trackable using an online tracking number such as royal mail track and trace.</p>
<p>Essentially the majority of eBay transactions are not covered in one way or another. They are as good as frauds themselves <img src='http://www.kieranoshea.com/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' />
</p>
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		<title>by: Chris Worfolk</title>
		<link>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19396</link>
		<pubDate>Sun, 01 Apr 2007 14:43:13 +0000</pubDate>
		<guid>http://www.kieranoshea.com/2007/03/31/fraud/#comment-19396</guid>
					<description>What did PayPal say to gip you our of their seller protection or whatever it's called?</description>
		<content:encoded><![CDATA[<p>What did PayPal say to gip you our of their seller protection or whatever it&#8217;s called?
</p>
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