I`ve been done on paypal!

[r5 rich]

People just to give you a heads up but when I woke up yesterday and checked my emails I had a nice one saying that I had spent 1270 euros on a Nikon camera lense

Someone had bid and won it on ebay on their account in a different country and hacked my paypal account to pay for the item. Since then I have opened a dispute about the transaction with paypal but they say it can take up to 10 working days before I hear a response

I have informed the police but to what help this will be I do not know but with anyluck I will hope to see the money again. So the moral of my story is make sure you have extra security procautions in place before you get done

[tiff_lee]

Did the money come from your bank account via paypal?

[HULK]

I get spoof emails all the time from paypal saying someone has bought something with my money

but if you look at the address that has sent the email its from pavpal with a V

They then send you a link to click on that tells you that you must click on it to sort out the payment or disbute it, when i did it came up as an advertisement for foreign floor tiles.

The lengths people go to

the only way of being safe is add a card when you use paypal and remove the same card when you have finished

[r5 rich]

Did the money come from your bank account via paypal?

yes it did, I did phone my bank but they said I had to get onto paypal as it was nothing to do with them.

[Ricardo]

Aaah man you don't have much luck, hope you get it sorted

[tiff_lee]

yes it did, I did phone my bank but they said I had to get onto paypal as it was nothing to do with them.

Ok was it via a bank/credit card? visa debit etc or straight from bank account.

[r5 rich]

Ok was it via a bank/credit card? visa debit etc or straight from bank account.

sorry it was through my debit card linked to my paypal account so the money came straight out of my bank account

[tiff_lee]

What debit card is it? please say visa debit

[r5 rich]

What debit card is it? please say visa debit

Maestro debit

[tiff_lee]

Ah damn, I know with visa debit you can do a chargeback and the bank has to honour that but i'm not so sure with maestro.

[Scoff]

did you contact the person who was selling the goods ? if it's not too late it'll be wise to contact them and ask them not to send the goods to this person. He'll thank you for it, and the scum won't get his goods. win win

[r5 rich]

just got a email back from paypal and they have transfered the money back into my account but it is short by 50 quid prob due to the exchange rate but I will try and fight it and see what happens but I am happy at the moment that I have not been fully had

[tiff_lee]

You might want to scan your pc for malware/keyloggers etc as well as they got your login details somehow

[Ricardo]

just got a email back from paypal and they have transfered the money back into my account but it is short by 50 quid prob due to the exchange rate but I will try and fight it and see what happens but I am happy at the moment that I have not been fully had

Mine's a pint tomorrow

Thank god that was sorted fairly quickly

[r5 rich]

Mine's a pint tomorrow

Thank god that was sorted fairly quickly

well its 2 times i have been done for the sum of around 1300 in around 2 months now.

LOVE IT

[Ricardo]

well its 2 times i have been done for the sum of around 1300 in around 2 months now.

LOVE IT

I know, i couldn't believe it reading this thread earlier

[r5 rich]

I know, i couldn't believe it reading this thread earlier

I love it really, the number must be very lucky for me being 13

[Scoff]

did you contact the person who was selling the goods ? if it's not too late it'll be wise to contact them and ask them not to send the goods to this person. He'll thank you for it, and the scum won't get his goods. win win

Too late to do this ?

[r5 rich]

Too late to do this ?

I could not contact the person as they didn`t speak english so paypal have done it for me and taken the money from their account and placed it back into mine

[tiff_lee]

I could not contact the person as they didn`t speak english so paypal have done it for me and taken the money from their account and placed it back into mine

So what happened to the £50 exactly? surely if the transaction was reversed you would get it all back.

[r5 rich]

So what happened to the £50 exactly? surely if the transaction was reversed you would get it all back.

Not sure if it was done on an exchange rate but I am going to follow it up as the full amount that was taken was £1135 and I received back £1085 but can`t touch the money for up to 30 days until the case has been fully resolved and sorted

[Tony Walker]

You should always pay for internet items with a credit card, offers you much more protection. Dont have your bank card linked. Even if you just buy it with your credit card then pay the full balance straight away you'l be charged no interest (as long as it was a zero balance in the first place) plus it will improve your credit rating.

[r5 rich]

I`ve always tried to live by my dads mistakes with credit cards and getting into thousands of debts run up on them but I have to be honest I think it is the only thing to go for at the minute and be sensible with it as it can save me alot of problems

[TrixNFlix]

Hi guys, you lot have scared me now, so I've just removed my bank account from my paypal account. My credit card is still linked so If I use paypal to pay for something will the money still come out instantly. I remember years ago having problems with my paypal sending out e cheques that took weeks to clear.

[Scoff]

thats the problem, if you don't have a bank account attached you're in e-cheque teritory I think.

[TrixNFlix]

thats the problem, if you don't have a bank account attached you're in e-cheque teritory I think.

Feck

[r5 rich]

I have a 2nd bank account set up on my online banking so all I am going to do is transfer the details over and have them source the funds from that account which I will only fund when I want to buy items which seems the only way then!

[TrixNFlix]

I have a 2nd bank account set up on my online banking so all I am going to do is transfer the details over and have them source the funds from that account which I will only fund when I want to buy items which seems the only way then!

Is this our only option? sounds like a ball ache.

[r5 rich]

Is this our only option? sounds like a ball ache.

better then getting done again

It will be worth it as it still means I will not have a credit card to my name which alot of my friends have maxed out and to the limit as I am on the verge of getting my 1st property and being 21, being in debt and having a mortage and bills to pay won`t go down well!

[TrixNFlix]

Fair play Rich, but have you considered getting one to give you a credit history, which in turn can make it easier to get a morgage?

[r5 rich]

Fair play Rich, but have you considered getting one to give you a credit history, which in turn can make it easier to get a morgage?

My cousin is a mortage adviser and the type of property I will be going for is well in my budget as I have a nice wedge of money saved up already so not a problem

[TrixNFlix]

My cousin is a mortage adviser and the type of property I will be going for is well in my budget as I have a nice wedge of money saved up already so not a problem

Good stuff.

[tiff_lee]

Fair play Rich, but have you considered getting one to give you a credit history, which in turn can make it easier to get a morgage?

Bloody hell i'm done then my credit history is a shambles thanks to my 'champagne lifestyle' and irresponsible spending a few years ago.