Well what a palaver
Buyer eventually returned item.
I checked it and went to refund her immediately
eBay refund wouldn’t work, kept telling me to refund through PayPal, the money was still in my PayPal account.
I refused as I could just imagine PayPal and eBay not talking and myself getting lumbered with full and final.
Spoke to eBay .. they suggested that I raise a case and they would find in the buyers favour would refund the buyer and then reclaim from me.
They said I would need to ring the next day to ensure I didn’t get a black mark against my account.
I wasn’t sure about this as it sounded extremely confusing and there was a possibility for error.
But the CS had already put the wheels in motion.
I messaged the buyer to let her know exactly what was going on. After three days and multiple calls by me, the case was eventually closed in the buyers favour and my black mark was taken off.
I in the meantime phoned PayPal ... apparently they had taken their commission immediately.. this left the amount due to the buyer short .
I just presumed that if there wasn’t enough in the PayPal balance they would just take the extra out of my connected bank account but this is not the case.
Anyway the commission taken by PayPal was refunded and the full amount was waiting untouched in my PayPal account. The full amount had also been frozen by eBay so I couldn’t touch it.
Fast forward a month later eBay decide to reclaim the amount due to their billing cycle .. but I received notification that ebay had taken the full amount out of my bank account. Having tried my linked CC first.
Why hadn’t they taken it out of my PayPal balance where the full amount was frozen... well
eBay released the hold of the money in order to take it.
Immediately the hold was released it appeared in my PayPal balance .. Paypal saw it as commission and took their commission again, they didn’t see it as part of the refund process.
This meant that the full amount was short .. so as eBay can’t take from from the PayPal balance and a bit from my bank account .. they took the full amount from my bank account.
This obviously all happens at midnight last night.
Phone call to PayPal this morning ensures that the commission is refunded and I then transfer the full amount into my bank account.
As a result I look at my PayPal account and find I have the option to cancel the automatic taking by eBay for disputes/ refunds and preapproval payments. The amount that they are authorised to take as a preapproval is £166,000
They are not competent to have that amount of power over my bankaccount ... so I have cancelled all automatic pre approved payments and automatic refund and dispute payments.
Obviously I know I am liable and will always pay .. but I will choose when and where the payment is taken and where from
Phew sorry for the rant