posted on September 3, 2000 09:17:13 AM
This response (below) is an email I received from a bidder who is coming up on 30 days with no payment (owes around $100.00) Her history shows that she bid on 436 items within 3 weeks of registering but was NARU'd for non payment negative feedback. The sellers gave the negatives within two weeks of auction close though - so, I think they saw the # of items she was bidding on and jumped the gun. So, I gave her the benefit of the doubt. Her check didn't arrive this week as promised, so I emailed her and requested payment through Paypal and got this response from her this a.m.
"Check is already on the way, and if you want to do Paypal, have to wait 3-5 business days (around WEdnesday) for money to transfer from bank to Paypal account.
Let me know what to do -- check should have been there by now, and am worried it is lost or someone else took it. I can resend registered mail per my husbands suggestion, tho.
Let me know what to do, I don't know how to track payments, and I don't want to take up any more of your time. I am reliable and am more than willing to pay for these books, but Paypal has advised green light on Wednesday or Thursday for sending payments."
If she registered with Paypal is there any reason she would have to wait til Wednesday to get a green light to pay? I thought it was automatic once you signed up? Maybe I'm forgetting something about their policies?
posted on September 3, 2000 09:21:34 AM
It sounds like she is transferring money from her checking account to her PayPal account, which I assume would take 5-7 business days, since sending money from PP to a bank account takes that long.
I've never done that, I used my CC to pay for auctions via PP.
Why would she want to pay via PP if she already mailed a check?
posted on September 3, 2000 09:25:12 AM
Yes, you're getting "yanked" around.
But don't let your self get too involved in bidder's excuses. The bottom line for you should be: Bidder sends payment, Seller sends stuff. Don't let her suck you in.
There is no check in the mail, I'll bet. I'd have her fish or cut bait using PayPal by Thursday. She won't, of course, and then will probably continue with some lame excuse, and blame you for being impatient.
This is a deadbeat bidder's classic profile.
Give her till Thursday (unless your terms offered more time), do the NPB thing, and then the FVF thing 10 days later. And neg if you want.
posted on September 3, 2000 09:30:25 AMMeya I thought that Paypal required credit cards for payment? If they're waiting for a bank transfer - that may explain the wait. When I didn't get the check this week I emailed and told her I either had to have the check this week or a Paypal payment.
Magazine_Guy I'm betting you're right. I'm giving her til Friday to get a payment to me one way or another.
I've been so lucky with no deadbeats/hot checks, etc. But have had a slew of them lately. Guess it's my turn in the barrel.
posted on September 3, 2000 09:36:20 AM
Heck- I just reread your post. She's already NARU (apparently for non-payment)- I think I'd just flip all the cards on Thursday or Friday when no payment arrives, and skip straight to the FVF request (there's a way of doing this)- and relist. No sense waiting 10 days for more bogus excuses.
posted on September 3, 2000 10:12:34 AM
She's NARU. Case closed. File for credit and relist.
There's nothing she can do to retaliate. IF and that's a big IF you get payment by check, mark it void and send it back. IF you get a PayPal payment, send it back. I wouldn't deal with someone who was NARU.
posted on September 3, 2000 10:16:34 AM
WOW Its thankfully been more then a year since I had a buyer like this one.
can you even fund your paypal account now with your checking account when I signed up they required a credit or debit card to do this.
paypal only says it can take 3 to 5 day for the direct deposit but I find that if I tranfer dureing the middle of the week it hapens second day they are getting far faster with tranfers.
eBay allows you to skip the 10 day "workout" period and get your FVF credit immediately in cases where buyer and seller mutually agree not to complete the transaction. In a case like this, where it's obvious the transaction won't be completed, seller can send buyer a note stating that she will assume that buyer doesn't want to complete the transaction of payment isn't received by a date certain. From the NPB screen, choose: "Buyer and seller mutually agreed not to complete transaction." You get immediate credit- no 10 day wait. Relist and move on.
Probably not a good idea to neg if you use this option- but in this case, negging isn't an option anyway. I'm not sure how the NARU status affects the NPB alert process- I assume it works with NARU users.
posted on September 3, 2000 10:22:08 AMmtnmama I think it's a better use of my time to give this one another week. I'm considering the fact that the negs that left her NARU were given by people who barely waited to weeks from auction close til they negged. I don't think that's reasonable, so am not too swayed by the NARU - yet. For the moment - I believe her - subject to change by this coming Friday.
If what she says about Paypal is true and I do receive a payment this week - I can ship this out and it's done with.
posted on September 3, 2000 10:28:44 AM
mybiddness:
Don't wait too much longer, or you'll lose your ability to request credit for your fees. Folks like this will string along believing sellers for weeks.
Look at the facts- not the excuses. Multiple non-payments resulting in NARU. Non-payment for nearly 30 days in your auction. A promise that check would be send was unkept- now claiming likely lost in mail. And now an unlikely excuse for inability to pay immediately via PayPal.
Benefit if the doubt is OK...but at some point, with no payment received, you need to close the books on this one, or it will cause you continued aggravation, IMO.
posted on September 3, 2000 10:33:32 AMmagazine_guy I'm knocking on wood here - In well over 500 sells I haven't ever had a NPB - I'm sure that record is ending here.
What is the deadline for receiving credit? I don't plan on waiting past Friday - but that would put the transaction just past 30 days. I thought I had 60 days to get credit?
Guess I'll be learning the ropes on deadbeats now, darn it.
posted on September 3, 2000 10:51:41 AM
Hi i have my bank account with paypal instead of a credit card and when i make a payment it is sent right then. THere is no wait for transfer at least not with mine.
Mine is set up with my x.com checking account and it is charged just like a credit card as soon as i fill out paypal pay form and hit send the payment goes immediately to the seller.
posted on September 3, 2000 10:53:57 AM
mybiddness:
You have 45 days to get into the NPB pipeline. If you don't do anything by the 45th day, you're out of luck. Then no more than 60 days to request the FVF credit (which requires that you did the NPB thing within 45 days from auction close).
posted on September 3, 2000 10:59:00 AM
Huge Thanks Steve
I've emailed the buyer again asking her when she set up her PayPal account - It may be that she just registered and I seem to remember that they snail mail a confirmation. Maybe that's what she's waiting for.
posted on September 3, 2000 11:17:36 AM
Re: papaswindy comment --
Great!! But, let's say your account runs dry at X-Com or you have no outstanding balance sitting at PayPal - can't send any payments; right? Must have to transfer funds from another source into X-Com or PayPal and, sure enough, it can take up to 7 business days to transfer funds from another bank or funding agency - it could be that is what the accused non-payer is trying to do.. Just my opinion, of course...
Cheers! Herb
posted on September 3, 2000 12:02:17 PM
It may be that I'm being too patient with this particular bidder. I'll know soon enough. But, here's another one that I just knew wasn't going to pay up. Hers was also coming up on 30 days. Was there something in the water 30 days ago?
Since she's telling two different stories I'd already decided she wasn't going to pay. Surprisingly I got Bidpay notification for payment this a.m.
I received this one on August 27
Apolgies from me, I haven't sent the $ yet, I had an accident in that I fell over on to my hands backwards, I have not been able to keyboard, my knee is badly damaged and I may have to go into hospital to have that done, I am not too happy at the moment as you can imagine, this is a two finger typing job, hope it's ok. I will get my husband to send this during this week and I will email when he has done that. I still want the books, absolutely no worries on that score.
I received this follow-up on Sept. 2
I know you won't have received the payment yet, everything has gone haywire here, I have broken my leg and all hell has been let loose. The family cannot do with me being out of action. I was going to email you today anyway just to make sure you have
still got the items and that they are ready to post on receipt of my payment. You should receive it next week. Thank you for your patience.
Another bidder told me her daughter's husband died and she had to go to Colorado - the next email a week later said that her daughter's husband died and she had to go to California.
I guess the bottom line is as long as they pay, I don't really care how many times the story changes.
posted on September 3, 2000 06:36:11 PM
mybiddness-
I, like you, used to give around 30 days for buyers to come through with the payment, but a rash of NARU's and the tedious process of filing NPB's and FVF's got ot me. So now, I've changed my policies.
I require an acknowledgment to my EOA within 3 business days. If I hear nothing a duplicate EOA goes out on the 4th day with a note attached asking for a response. No resopnse=automatic NPB on the 8th day.
If they respond to the EOA and I haven't received payment within 12 CALENDAR days after that, they get a reminder email asking for a response within 24 hours. No response=NPB.
This may sound tough, but I have found that honest buyers who make an honest oversight respond and do pay. Those that respond with a story I give another 7 calendar days before I go the NPB route. In any case, I save myself nearly 8 days of frustration with non-payers.
posted on September 3, 2000 06:50:13 PM
mybiddness
Your terms don't sound tough to me.
I have noticed though that a lot of people never respond to our EOA but do send payment. Sometimes payment is later then it should be and it makes you wonder.
