John, Excellent idea in a very well written post, I would have never thought of it.
Steve >Packing aside, here is the lesson I learned: When you purchase an >expensive >item from Ebay or any other online source I recommend paying through PayPal >and here is why. Most sellers aren't set up to except credit cards, but if >they except PayPal the buyer has the option of using his credit card or >bank >account to pay for an item. Choose the credit card option. This was the >only way I was able to get my money back. The seller refused stating it >wasn't their fault because it was insured. UPS denied the claim. PayPal >only covers the first $1,000 if you are lucky, plus they are almost >impossible to get in touch with. > > > >However your credit card company will go to bat for you. They can do what >is called a chargeback. A chargeback is where the money paid to the >retailer is reversed out of their account and refunded to yours. Of course >you have to have good reason and facts to back up your case. I am still >going through the process but have been credited. Paypal actually always >takes the side of the seller. They are in the process of disputing the >charge back with my bank, but don't think they have a case.
