posted on May 15, 2001 04:46:07 PM new
debit card do allow for charge backs the bank is not the place to ask though the card is either master charge or visa if there is no number on the card ask the bank or credit unoin who to contact.
if your bank told you that you cant charge back its time to find a new bank.
Also its time to stop placeing blame on others for damaged items buyer and sellers are at the mercy of the people who ship the items.
I have shipped items to buyers that got damaged in shipping that in most cases you could toss loose in the truck of a car travel from coast to coast once or twice and still would have no damage yet the PO managed to destory the item just haveing it in there hands less then three full days.
Just to give you some Idea I shipped a small cast Iron Toy in the mail it was even overly packaged and double boxed the cast iron arived Broken.
Also the #1 rule in mail order is if there is ant doubt always insure.
as a seller many times if im selling some Item I ffear could get broken in shipping and the buyer refuses to insure I always cover my butt and insure then item myself.
posted on May 15, 2001 05:01:59 PM new
I know this won't help the buyer here, but...
The P.O. WILL pay insurance claims even with bad packing. That's not the fault of the insurer. I know from personal experience. It took 4 months and 1 week, but I just received a check from USPS for $999.00. )
Sometimes it depends on the Postmaster. If one won't do it, take it to another P.O. Like mine says, they don't really know if it was packed right or not. Check out the USPS on eBay sometime. Yes, they do have a site. 77 neutrals and 56 negs as of 2 weeks ago. A lot for bad packing!!!!!! ALWAYS insure.
posted on May 16, 2001 08:10:58 AM new
Its not that I can't afford it, maybe its the principle of the situtation.
Since my card does have a visa logo, does anyone have a telephone number direct to VISA so I can call and see if indeed, my credit union is giving me correct info?
posted on May 16, 2001 08:25:06 AM new
A warning on debit cards
There was a incident locally where a waiter used a handheld device and swipped debit card somone used to pay for a meal he sold these numbers to somone in Miami who used the number to clean out the diners bank account . Suddenly the diner had checks bouncing right and left and a negitive balance in his bank account.
Much better to get a real credit card if they scam that you are not out the money immediatley you just get a bill and you have a chance to contest charges .....With the debit card your money is gone and you have to fight to get it back.
For online purchases I use a credit card that I have kept at a low credit limit. This particular company also offers online fruad protection.
Who did you talk to at your credit union ?
I would make a appointment with the branch manager and see them in person I find that when you are sitting across the desk they will try harder to help you out.
posted on May 16, 2001 08:49:53 AM new
Things are looking a little better, I spent most of the morning on the VISA web page and everything on there "implies" that debit cards have the same rights as credit cards as far a chargebacks.
I called the credit union and spoke to a supervisor and started from scratch. The supervisor thinks that the representative I spoke to before thought I was referring to "buyer protection insurance" which IS only available through credit cards.
Then she said, I would need to provide proof that I had contacted the company. I told her the copy of all the emails was in the packet. She was quiet for a minute and said, "OK, we will send through the chargeback", but if it is denied, you will need to provide proof that you have returned the item.
Thanks to whoever reminded me about the Visa logo on the card, that seems to be the key to this situation.
Not my name on ebay.
posted on May 16, 2001 12:28:58 PM new
Valleygirl -- it doesn't help on this one, but I always insure anything breakable that costs more than $20, even though insurance could be denied due to the seller's poor packaging. (I have had a postal insurance claim denied for "inadequate packing" and am currently appealing the decision and don't know what the outcome will be.) However, IF you paid for insurance then the onus is on the seller -- they can't claim it's your fault because you didn't insure. You'd have more leverage in demanding that they refund. It doesn't guarantee that they'd refund, but for $2.00 you'd have a stronger position against them in any avenue that you'd pursue redress.
Violetta
(Not known by this nickname anywhere but here.)
posted on May 16, 2001 12:30:38 PM new
Does U-Pic allow the Buyer to insure a package coming to them??
But I think a Billpoint chargeback will be a more effective learning tool for your seller than any insurance claim ever would be.
[ edited by Zazzie on May 16, 2001 12:31 PM ]
)
[ edited by Zazzie on May 16, 2001 12:31 PM ]