Bank Transfer Protection

[peanutsmumma]

If you buy from a business and pay by bank transfer, do you automatically get buyer protection?

I know you can do it via PayPal but the seller then incurs the fees

 

[honetpot]

I think you are only protected under the sale of goods act or if its a scam. I would pay by credit if you can.
https://www.moneyhelper.org.uk/en/e...ases/how-youre-protected-when-you-pay-by-card

 

[Tiddlypom]

Can you pay at least part of the total by credit card? That gives you protection.

 

[peanutsmumma]

They only accept PayPal or bank transfer, they want friends and family for PayPal though so that they don't incur the fees.
Im sure this lady is legit because she sells a lot on Facebook but i dont trust anyone these days

 

[JBM]

They only accept PayPal or bank transfer, they want friends and family for PayPal though so that they don't incur the fees.
Im sure this lady is legit because she sells a lot on Facebook but i dont trust anyone these days

I never trust anyone who asks me to use friends and family
The PayPal charge isn’t that big to be bothered about

 

[Tiddlypom]

You are right not to trust her.

Is it a small value item(s)?

 

[peanutsmumma]

You are right not to trust her.

Is it a small value item(s)?

Its a few items totalling £30

 

[Cortez]

I never trust anyone who asks me to use friends and family
The PayPal charge isn’t that big to be bothered about

That depends on the amount, and it certainly bothers me when I'm trying to sell something.

 

[Dexter]

Its against paypals terms and conditions to pay F&F when its not. Theyve been cracking down and more than a few people have had their accounts closed. If you want to risk it, then you can add a small amount on top to cover the fees.

https://wise.com/gb/paypal-fee-calculator/

 

[greenbean10]

That depends on the amount, and it certainly bothers me when I'm trying to sell something.

Then just slightly increase the price to cover the cost.

I would never ask a stranger to pay friends and family if I was selling something, just as I'd never buy anything from someone I didn't know using friends and family.

 

[Polos Mum]

I would ask her if you can pay paypal but send £31.00 (or whatever it is) to cover the fees - she should have no problem with that.

Think of the £1 as the cost of your insurance

 

[Hormonal Filly]

I would ask her if you can pay paypal but send £31.00 (or whatever it is) to cover the fees - she should have no problem with that.

Think of the £1 as the cost of your insurance

This is what I offer if they’re not keen on PayPal because of the fees. I tried to buy some hoof boots last week and the seller demanded bank transfer or family and friends PayPal. I offered to cover the fees on PayPal ‘goods’ but she refused. I think she was a scammer.

 

[donkeyindisguise]

I use this to calculate how much fees will be, it's pretty accurate and goes both ways the fees are rarely as much as people think/try charge you when they do a 'price is £x if F&F or £Y if G&S'

So for them to receive £30 you'd need to send £31.20

https://www.clothnappytree.com/ppcalculator/

Hope that helps

 

[peanutsmumma]

Thanks Everyone. I've paid the extra £1.25 to cover me

 

[criso]

Can see you've agreed to pay fees. I've had sellers offer 2 prices depending on which you choose.

However given the choice, I would use f and f above bank transfer. If it's a scam, neither will help and the bank or PayPal account will disappear. If the seller is genuine, then if there's a problem, going back to PayPal will cause them all sorts of issues if they've used f and f when they shouldn't and be an incentive to resolve.

 

[Sossigpoker]

They only accept PayPal or bank transfer, they want friends and family for PayPal though so that they don't incur the fees.
Im sure this lady is legit because she sells a lot on Facebook but i dont trust anyone these days

That's not a legit person
A legit person will include the PayPal fee in their item for accepting payment as goods and services
I'd seriously walk away.
And join the Facebook group 'Equestrian scammer disputes ' and search for their name. There are some prolific scammers out there, a lot of them use different names to try and scam people who might only know of their previous names