Am I entitled to a refund??

41 replies
Hello warriors,

I am not one to moan but I bought a mortgage plr package and it was kak had one mortgage book of 27 pages and then the rest of the package was bulked up with all I describe as litter.

The companies website says that it does not do refunds..... is that correct?

Cheers

Danny
#entitled #refund
  • Profile picture of the author Writing Warrior
    If they made it clear before the order process that they do not issue refunds I doubt that you're "entitled" to a refund.

    Maybe you can contact them about it anyway and let them know you were disappointed. If they're decent people they'll make it right.
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  • Profile picture of the author Steven Carl Kelly
    Personally, with very rare exceptions, I wouldn't buy anything from anyone online where a refund isn't an option.
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  • Profile picture of the author warriorprocessing
    If you paid with a credit card, there is no such thing as no refund.

    Todd Sumrall
    Merchant Accounts with Free Authorize.net
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    • Profile picture of the author affhelper
      Originally Posted by warriorprocessing.com View Post

      If you paid with a credit card, there is no such thing as no refund.

      Todd Sumrall
      Merchant Accounts with Free Authorize.net
      Unless you paid using Moneybookers....lol

      They clearly say no chargebacks and if you do then Moneybookers always
      wins the case for you. They are much better than paypal from the vendor
      point of view.
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  • Profile picture of the author grumpyjacksa
    if you paid with a credit card, you could always do a reverse charge. but if they warn against refunds beforehand, it doesn't say much for credibility.....
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    • Profile picture of the author Tom B
      Banned
      Originally Posted by grumpyjacksa View Post

      if you paid with a credit card, you could always do a reverse charge. but if they warn against refunds beforehand, it doesn't say much for credibility.....

      I hope people do the same to you even when you are up front about your refund policy. Maybe after losing money on fees you won't be so quick to tell others to reverse their credit card charge. I would wonder what you would tell the credit card company regarding the transaction to get that reversal.
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      • Profile picture of the author Michael Oksa
        Originally Posted by Thomas Belknap View Post

        I hope people do the same to you even when you are up front about your refund policy. Maybe after losing money on fees you won't be so quick to tell others to reverse their credit card charge. I would wonder what you would tell the credit card company regarding the transaction to get that reversal.
        Thomas, I understand where you're coming from, and there are definitely too many people who are quick to do chargebacks.

        This apparently isn't the case, and I think he should ask for a refund. It sounds like he got a piece of crap product, and that's not right.

        My suggestion is this: Ask for a refund, and then if they don't give you one, go the chargeback route.

        ~Michael
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  • Profile picture of the author Danny Cutts
    Hmmm, It was on a seperate page in the disclaimer.

    I paid via paypal but the payment came off my credit card....

    Danny
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    • Profile picture of the author Tom B
      Banned
      Originally Posted by Danny Cutts View Post

      Hmmm, It was on a seperate page in the disclaimer.

      I paid via paypal but the payment came off my credit card....

      Danny

      Chalk it up to experience Danny. Why don't you take the responsibility that you made when you decided to purchase the product knowing it had no refund policy.
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  • Profile picture of the author Marcus Paul
    Request a refund through Paypal.
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  • Profile picture of the author IMer
    Yep, put a request in through PayPal.

    The product should be of "merchantable quality" i.e. something worth buying for the price offered.

    If they're in the UK too (like you & me), then get trading standards onto them.

    Depends how much it was in the first place, though.....
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  • Do they offer a refund, because unless someone offered a refund, I wouldn't do business with them in the first place.
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  • Profile picture of the author Danny Cutts
    Hello,

    Well I have sent them email explaining that I was disapointed.... I will give hem benefit of the doubt and hope.

    The product was $69 anything less and i would take it on the chin.

    We shall see

    Danny
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  • Profile picture of the author Debbie Songster
    ah refunds - my favorite topic

    Luckily I haven't had to deal with too many. The few that I have had dealings with have been horrible people I never want to deal with again.

    Here's the problem with refunds and digital products - specifically PLR products. There is nothing to return to the vendor so how does anyone know you aren't using the product?
    A plr product is designed to be molded, manipulated, altered, changed, re written - etc. You could easily change the product and still use it and the vendor wouldn't know. So based on that - I wouldn't give you a refund and thats probably the reason why they have a no refund policy.

    Take that plr product and turn it into something you feel good selling. Not all plr products are going to meet your standards - so change them. Thats what they are for.

    As for doing a charge back - I wouldn't do it. Contact the vendor first and discuss it with them. Most people will give a refund if you ask nicely - don't demand.

    I'm sure most of us on this forum have been scammed out of products by habitual refund seekers. I know I have - both digital and physical products.
    Personally I try to make sure I'm accessable to answer questions before someone buys. I don't give refunds on all my products.

    I like this one - lol
    The product should be of "merchantable quality" i.e. something worth buying for the price offered.
    And who determines this???
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  • Profile picture of the author warriorprocessing
    rest of the package was bulked up with all I describe as litter.

    Here is the situation. Obviously what you purchased was different from what you thought you were purchasing, e.g. poor quality product advertised as something else. If the vendor does not offer a refund you would be justified contacting paypal or your cc company to resolve the matter.

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    • Profile picture of the author macknox
      Junk is junk regardless of refund policy.

      If the sales pages say one thing and you get a pile of rubbish... there has to be recourse.

      A "No refund policy" can only be effectively used if you have already sold the product... then you offer PLR rights... come on surely you have read all the ebooks on how to upsell

      Top PLR sellers give 100% 30 days refund no bother... because they are thinking long term. They also know the value of PLR is short-lived... then they move on to the next batch.

      No matter how great you think your product is... the next day it is fish and chips wrapping paper as they say (UK reference!)... digital fish and chips paper!

      Sad fact is a lot of PLR products are just junk. Most of it is just googledegook particularly article stuff. You can't even use it as a basis for rewriting... it's that bad.

      There are a few good examples but there is so much churn that you might as well write out yourself.... go for quality

      Refunds & chargebacks are simply the cost of business... like pilerage and stock damage in the retail world.

      We are businesses right?
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  • Profile picture of the author Debbie Songster
    if you paid with a credit card, you could always do a reverse charge. but if they warn against refunds beforehand, it doesn't say much for credibility.....
    Thats not very nice.
    Why does it not make them credible?

    Not everyone is honest - this is a 2 way street. There are plenty of dishonest vendors but I believe a lot more dishonest buyers.

    So why shouldn't a vendor take precautions to protect themselves?

    I'm not saying that this particular vendor on the mortgage product was right but you are making a blanket statement about credibility as it relates to a refund policy?

    Poor credibility would be the site that says they give a refund and then refuse to honor it.

    For a $69 product, Danny is doing the right thing - ask for a refund and see what happens.
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  • Profile picture of the author GarrieWilson
    1. Did the site have examples/samples displayed?
    2. Did you ask for samples of the work?

    If you say no to either of the above, chalk it up as a lesson and take personal responsibilty for your actions.

    Would you buy a house or used car w/out an inspection?

    Garrie
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    • Profile picture of the author Dixiebelle
      Originally Posted by GarrieWilson View Post

      1. Did the site have examples/samples displayed?
      2. Did you ask for samples of the work?

      If you say no to either of the above, chalk it up as a lesson and take personal responsibilty for your actions.

      Would you buy a house or used car w/out an inspection?

      Garrie
      ************************************************** *****

      That is ludicrous. I have never heard of anyone allowing you to sample a digital product before you pay for it, and I doubt that anyone else has.

      Danny: I would bypass everyone, and go straight to my credit card company, and tell them I had just purchased a piece of junk, and I want my money back. And then, let that be a lesson to you.

      If a person does not offer an iron-clad money back guarantee, it is a clear indication that they have no intention of standing behind their product. It also means that they know their product is so bad that they can expect a lot of refund requests.

      If this happens to you again, all I can say is "shame on you".

      Dixie
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      • Profile picture of the author GarrieWilson
        Originally Posted by Dixiebelle View Post

        ************************************************** *****

        That is ludicrous. I have never heard of anyone allowing you to sample a digital product before you pay for it, and I doubt that anyone else has.
        Guess you don't buy often or sell often for that matter.

        Here are two examples for you:

        1: I have had articles written, videos, graphics and programs made and instead of jumping in, I did research and asked for samples. I then determined f it was worth it. One designer had a great portfolio but delivered crap - I asked for a refund because it wasn't up to the same quality as the examples.

        2: A guy emailed me today about an article spinner and ask if I had examples of before and after. He wanted to see the quality before he invested his time.

        3: I was looking at a PLR pack and asked for excerts from it. I got them with no problem.

        And since it is digital, the can't take it back so why should he get a refund and be able to keep the product?

        Danny: I would bypass everyone, and go straight to my credit card company, and tell them I had just purchased a piece of junk, and I want my money back. And then, let that be a lesson to you.
        *sigh* I wish credit card companies would start charging people like you for every chargeback you file.

        If a person does not offer an iron-clad money back guarantee, it is a clear indication that they have no intention of standing behind their product. It also means that they know their product is so bad that they can expect a lot of refund requests.
        LOL No. It doesn't indicate anything of the sort.

        I sell some software with a "no refund" guarantee but I have spent HOURS upon HOURS helping people with them.

        One guy, couldnt get it to install on his server so I paid my programmer to rewrite it so it would work on his server. The product was $10 and I paid my programmer $50 to "fix".

        Guess that shoots your theory out of the water.
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  • Profile picture of the author warriorprocessing
    Definately contact the vendor and try to work it out first. I once bought a software program from a vendor with a no refund policy. I in stalled it and kept getting an xml error message. I contacted the vendor let him know the problem. He worked with me to try to resolve the problem. No fix. He refunded the money.
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  • Profile picture of the author Adam Kenzington
    Hey Danny,

    Because it is a digital product, you will have a very difficult time getting a refund from PayPal. They don't play that.

    I was scammed with a product I purchased from Ebay, this year. The seller was from the United Arab Emerance. I was leary, except I was offered a 90 day DOUBLE YOUR MONEY BACK guarantee. The product was junk, created in 2003! Most of the links in the program (given so you could do the program) were dead. The info was outdated and absolutely worthless. I contacted the seller, who told me I obviously wasn't able to follow directions and he wasn't returning my money. (I wasn't looking for double my money back. I only wanted what I had paid for this piece of thrash)

    Ebay banned him 1 day after I purchased, and even sent me an email (2 days after purchasing) telling me to beware this seller. (I had favorited the listing) But Ebay told me to contact PayPal for any refund. PayPal wasn't interested in the problem because it was a digital product.

    I persisted with my complaint and they eventually offered me a 50% refund. But only grudgingly!

    Your best bet is going to be your Credit Card company.

    Good Luck
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    • Profile picture of the author FrankRumbauskas
      Here's the issue with doing a chargeback:

      Many online merchants - myself included - send chargeback customers to an external collection agency which then reports to all major credit bureaus, severely damaging the customer's credit for 7 years.

      So keep in mind that if you do the chargeback, you are running this risk.

      I had it happen to me once after buying a $600 shopping cart package that did NOTHING as advertised. They refused to refund so I did a chargeback and they sent me to collections but luckily I disputed with the collection agency and they deleted the account after I showed documentation that I was ripped off. So you *can* get out of collections, but some agencies (like the one I use ... lol) will not delete the account no matter what the customer says.

      Frank
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      • Profile picture of the author Adam Kenzington
        Originally Posted by FrankRumbauskas View Post

        Here's the issue with doing a chargeback:

        Many online merchants - myself included - send chargeback customers to an external collection agency which then reports to all major credit bureaus, severely damaging the customer's credit for 7 years.

        So keep in mind that if you do the chargeback, you are running this risk.

        I had it happen to me once after buying a $600 shopping cart package that did NOTHING as advertised. They refused to refund so I did a chargeback and they sent me to collections but luckily I disputed with the collection agency and they deleted the account after I showed documentation that I was ripped off. So you *can* get out of collections, but some agencies (like the one I use ... lol) will not delete the account no matter what the customer says.

        Frank
        Damn Frank!

        What are you selling that has people doing these chargebacks? Why are they having to go that route? Don't you do any customer service activity?

        And then ruining someone's credit for 7 years, while using a Collection Agency that won't consider any facts the the buyer might have, justifing their actions in having to resort to the chargeback to get satisfaction (AND YOU LAUGH ABOUT THAT!)

        You even admit that it's possible a customer could have a case (after all, it happened to you).

        What the hell's your user/business name you use to sell this product? I'll stay WAY far away from doing business with you.

        Sounds like you offer a product people might not be happy with, they don't seem to be able to resolve the problem talking with you, and then you take delight in ruining their credit for 7 years.

        That's Twisted, Baby!
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        • Profile picture of the author Tom B
          Banned
          Originally Posted by Adam Kenzington View Post

          Damn Frank!

          What are you selling that has people doing these chargebacks? Why are they having to go that route? Don't you do any customer service activity?

          And then ruining someone's credit for 7 years, while using a Collection Agency that won't consider any facts the the buyer might have, justifing their actions in having to resort to the chargeback to get satisfaction (AND YOU LAUGH ABOUT THAT!)

          You even admit that it's possible a customer could have a case (after all, it happened to you).

          What the hell's your user/business name you use to sell this product? I'll stay WAY far away from doing business with you.

          Sounds like you offer a product people might not be happy with, they don't seem to be able to resolve the problem talking with you, and then you take delight in ruining their credit for 7 years.

          That's Twisted, Baby!

          What is twisted is how the very first thing people think is CHARGEBACK. They don't even consider contacting the vendor but to chargeback.

          This thread is a great example of how twisted people are.
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  • Profile picture of the author lacraiger
    if it clearly states no refunds then you are out of luck
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  • Profile picture of the author Debbie Songster
    Damn Frank!

    What are you selling that has people doing these chargebacks? Why are they having to go that route? Don't you do any customer service activity?
    You know the customer is NOT always right. I don't know what Frank sells but let me tell you a few of my horror stories with refunds and charge backs and maybe you will change your tune.

    Let me say up front - I bend over backwards for my customers - always have and always will. However, not everyone out there is honest and the anonymity of the internet just makes it easier for people to do things they wouldn't normally do face to face.

    So here's a good one for you
    A woman places 2 orders with me -- about a week apart. Not unusual as most people will order a few products and then find more they like and place another order.
    I sent her 2 orders in 3 separate mailings. The address was weird and I called and left a message with her to verify the mailing address. She called back and left a message on my voice mail that it was indeed correct. (so she has my phone number)

    I send EVERYTHING with delivery confirmation. Long story short - she gets the products. All were confirmed by the postal service that they were delivered to the address she provided. Less than 30 days later I receive 2 charge backs (remember she did 2 orders). To make matters worse she claimed she never received the packages AND that she had tried to contact me about them not arriving and I never responded. She even stated that she sent me a letter but I refused to resend the goods. Now most of my items are sent insured as well so its no big deal for me to resend stock.

    This woman was lying - scamming me and I was furious. Not only did I lose the products, I lost the funds as the CC company drew that out of my account because they sided with her (did you know that delivery confirmation is worthless? unless a person signs for the item they can claim they never received it and win the case)
    Plus CC companies charge the vendor a fee when a charge back is initiated. Anywhere from $15 - $25 per case.

    Total loss on that case was $160

    ----------------------------------------
    Here's a few more for you.
    Did you know that people will do a charge back when they don't recognize the merchant listed on their CC statement.
    I would get a couple per month because people were too lazy to call the number on their CC statement to see what the charge was about. I have several stores but they are all under our corporate name which is what shows on a customers CC statement.
    I now send full color sales receipts (not packing slips) that show their payment information and the name that will show on their CC statement.

    Its cut down the charge backs but I still get a few just for this reason "customer doesn't recognize the charge"

    -------------------------------------------------------
    How about this one.
    Woman orders glass flowers - we ship them. A couple break. (I just love the postal service!)
    Not a problem - everything is sent insured so I send her a couple more. I tell her when they will ship. The day after I ship them I get the charge back in the mail from her CC company.
    This one was completely rediculous as the replacements were on their way and we had discussed the entire case over the phone. I called her and asked HER to call her CC company and withdraw the charge back. Why should I waste my time answering the charge back on an unfounded claim when it was easier for her to call them and cancel it.

    She did as I asked but - good grief she must have filed the darn thing the same day she got her original order. I think people like that should be fined for wasting everyone's time.
    ------------------------------------------------------

    Here's a refund story
    Woman orders a pair of sunglasses and wants to return them. Says she got them from her husband for her birthday and thats why she was contacting me several weeks after our 3 day return time frame.
    She assures me they are in new condition - wants to return them because they are too big for her face. No problem - I do it.

    Well I get them back and not only are they dirty but they are scratched and damaged. Certainly not in new condition

    Cost of doing business? maybe - but keep in mind that for every scam and charge back and lost item, it raises the price of the items the consumer wants to buy.

    So the customer is NOT always right and not every charge back or refund request is legit. There are 2 sides to every story.

    Those are stories related to physical products. I haven't had issues with my digital ones but I am careful what I sell.

    That is ludicrous. I have never heard of anyone allowing you to sample a digital product before you pay for it, and I doubt that anyone else has.
    I'm going to try this on some of my digitals. You can offer heavily watermarked pages as sample of the work for people to view. I'm going to try this and see how it works.
    I really like people to be happy with their products but I really hate processing refunds for people who get buyers remorse or come up with some stupid story why they need a refund.

    Its a waste of my time.
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    • Profile picture of the author Adam Kenzington
      [quote=Debbie Songster;244798]
      So the customer is NOT always right and not every charge back or refund request is legit. There are 2 sides to every story.
      quote]

      What set me off on Frank's post, was that he doesn't allow for "2 sides" to every story. He sends them to a collection agency that refuses to consider that the buyer might have a legitimate grevience, and will ruin a person's credit for 7 years because they "crossed swords" with Frank.

      And then he laughs about it!

      And on top of it all, he brags that he had to do the same thing (chargeback an item) and didn't have to suffer any consequences.

      I take my credit very seriously. I don't do unfounded chargebacks. And if someone went screwing with my credit for 7 years...all I can say is they better hope they don't live within day's drive of me. We'd have a face to face.

      Pardon me, but if someone delibrately screwed my credit for 7 years...That would be an ass whippin', bought and paid for! He'd have a couple sides of his mouth he could laugh out of when I was done with him.

      I'm not missing your point here. I know that there are alot of people who aren't as honest as I am. It was just the tone he took (...LOL) that burnt my biscuits.

      Hey Frank, that being your first post, here, just a word of advice. I'd keep my snickering to myself. You may have thought it was clever, bragging about how you burn people, leaving them no recource...but it just made you sound like an ass.

      Let's just say, I won't be sending you a "friends request".

      PS. In case I seem overly-sensitive, here, I've just been a victim of identity theft. They took all my money and have screwed my credit. So, yea, this post touched a nerve.
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      • Profile picture of the author Chris Lockwood
        Originally Posted by Adam Kenzington View Post

        What set me off on Frank's post, was that he doesn't allow for "2 sides" to every story. He sends them to a collection agency that refuses to consider that the buyer might have a legitimate grevience, and will ruin a person's credit for 7 years because they "crossed swords" with Frank.
        You must be thinking of a bankruptcy or something. A collection case as discussed here is not going to ruin someone's credit for 7 years. Especially on a digital product where the only info the seller has is your name and email address - would a collection agency even take a case like that?

        I agree with those saying to contact the merchant first. That's only fair before you consider doing a chargeback... every single chargeback I've had against me was from someone who did NOT bother to contact me first, and they all involved products that had guarantees.

        Last thing we need is more people rushing to do chargebacks just because they don't like something, without even bothering to ask for a refund first. Just how is the seller supposed to know you are unhappy?
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        • Profile picture of the author Adam Kenzington
          Chris Lockwood;246335]You must be thinking of a bankruptcy or something. A collection case as discussed here is not going to ruin someone's credit for 7 years. Especially on a digital product where the only info the seller has is your name and email address - would a collection agency even take a case like that?


          Hey Chris,
          I was just repeating back (reacting to) what Frank said.

          "Many online merchants - myself included - send chargeback customers to an external collection agency which then reports to all major credit bureaus, severely damaging the customer's credit for 7 years."

          I wasn't thinking of bankruptcy, I was thinking of what an A#%hole move that was to pull on people. Especially when he mentions that the collection agency he uses doesn't care what the facts were, they will hound you until you pay the bill.

          I mentioned before that I will go to a vendor first thing if I have a problem. But if I can't get satisfaction, I will look to other means. Also, having just had my total life savings disapear in one fell swoop (identity theft) and having my credit ruined with purchases I would have never have dreamed of making, Yea, I'm a little sensitive to the idea of screwing with someone because they couldn't come to a mutually satisfactory solution with you...

          But bottom line, I was referencing Frank's statement when I mentioned damaging someone's credit for 7 years.
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  • Profile picture of the author Tim_Carter
    You need to watch out about chargebacks.

    I have won every one that has been filed against me (only 2 though in 3.5 years).

    There are certain things you must do first before filing it - and if the vendor can prove you got it (which he can with emails) you will lose.

    You are also committing fraud by charging back something that you received.

    I won my chargebacks through Paypal and I know exactly how to do it so the financial institution finds in my favor (and the fraudster pays a bank fee) every time.

    People think they can get anything back with a chargeback - but if the vendor knows the rules be prepared for a nice bank fee.
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  • Profile picture of the author Debbie Songster
    Adam - I hear ya

    We all react more passionately when it happens to us. Sorry to hear about the identity theft.

    Of the charge backs I have done (which is very few thank goodness) there is only one that I would even consider sending to a collections agency. The woman who scammed me with the 2 orders. That one was completely deceitful. Thankfully that is the only charge back I have lost

    99.9% of the time there is a better way to handle unhappy customers without the charge back process.

    With some of the advice given here -
    Danny: I would bypass everyone, and go straight to my credit card company, and tell them I had just purchased a piece of junk, and I want my money back. And then, let that be a lesson to you.



    Going to right to the charge back process is not good advice. If you ever want to work with that vendor again - don't do charge backs. I ban people from my stores who do charge backs. I can't be bothered to work with them if they don't work with me.

    We are now going into the busy holiday season where fraud is rampant. Merchants have to take steps to protect themselves.
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  • Profile picture of the author dsmpublishing
    Ive sold a lot of digital products via paypal both now and over the last 4 years and there is no protection really over digital products.

    If you put a claim in saying that item is not as described paypal being the gits they are will just throw it out as it is a digital product as ive had it happen to me when ive purchased digital goods online. Even though they did find in my favour.

    Once the amount was pretty large (approx £200) and after paypal refused to help i went to my bank and they issued a chargeback straightaway.

    Paypal then took the money from the sellers account and it was finished with. there was no further problems as the seller had never responded to paypal and i had proof they hadnt delivered.

    i also had someone asking for a chargeback once as they said it wasnt a real product even though it clearly said digital and ebook in it and i actually claimed my money back from them plus costs.

    i would suggest asking for a refund and say that you dont want to be forced to issue a chargeback as you dont want it to affect there credibility on paypal.
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    • Profile picture of the author Adam Kenzington
      Originally Posted by dsmpublishing View Post

      i would suggest asking for a refund and say that you dont want to be forced to issue a chargeback as you dont want it to affect there credibility on paypal.
      Good reframe! Always show them the advantage of doing what is right/what you want them to do.
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      "I can" is much more important than I.Q.

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  • Profile picture of the author jimcal
    Hi,
    Try the vendor direct and let them know you feel the product is not what you expected and you would like your money back. They may do it.
    Thanks,
    Jim
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    Index Annuity Guide
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  • Profile picture of the author SteveJohnson
    I worked in the auto parts industry for years. You'd be astounded at the number of people who would buy something, install it, then bring it back saying, "this wasn't the problem". Then be pissed off when we wouldn't buy the product back from them.

    Notice I didn't say, "give them their money back." Once they bought the part, it wasn't "their money". It's "our money". If you want us to buy the product back from you with our money, you'd damn sure better have a very good reason -- like it was the wrong part or the new part was defective. But we don't sell new parts just so you can troubleshoot your problem by switching stuff out. Take it to a mechanic.

    To the OP - you aren't entitled to any refund, unless you can prove a clear case of fraud.

    That said, as merchants there are times to stick to your guns and times to just refund it and move on. Pick your battles, if you have to have battles.

    If you don't want to deal with refunds, sell for cash only. If you don't want to do that, then a certain amount of loss/fraud has to be built into the cost of doing business. Keep what you can, cheerfully give back what you can't, and move on.
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    Gun control means never having to say, "I missed you."

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  • Profile picture of the author Frank Ayres
    I have had chargebacks agains me and never heard from the buyer to try and sort the problem, and it has put me out of pocket everytime.
    I wonder how many people that do a chargeback realise that it costs the seller a fee everytime?
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  • Profile picture of the author Nick Doyle
    Chargebacks offer you some kind of buyer-protection. If you feel you have a case then go for it ... but if you agreed to their T&C then they can (legally) collect their debt from you.

    In practice, a lot of companies won't do that if its for such a small amount. Gyms do that a lot in the UK if you cancel your membership before your contract expired.
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  • Profile picture of the author affiliateppc
    Originally Posted by Danny Cutts View Post

    it was kak
    You are either an expat from South Africa or you have been spending a lot of time with Afrikaans speaking South Africans :-)

    AffiliatePPC
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  • Profile picture of the author Charles Harper
    What was wrong with the Mortgage PLR?

    I was about get it?

    Do you have other sources that you have found?

    You and I will not be in compettion as I am just doing a blog for a mortage broker here in my local market.

    CTHarper
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