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Last Post Nov 25, 2009 10:03 PM by: beachgal707
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sandypurins
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 5:49 PM
You can't cancel the payment through PayPal... PayPal cannot stop the payment. You "may" be able to stop the payment through your bank. Contact your bank.

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the*glammed*diva
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 8:45 PM
I wouldn’t advise contacting your bank. They will charge you a fee of nearly $30 to do a stop payment on your check, and I’m sure that’s more then you paid for the shirt. your best off to receive the shirt, and if it looks counterfeit to you, open a paypal claim for “item not as described” and return to seller for a full refund. It's better then paying a $30 stop payment bank fee as sandy has recommended you do. There are not to many banks out there that will stop a check payment, without charging you a large fee.

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sandypurins
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 8:57 PM
My bank doesn't charge me a fee for stop payments. If they did, I would find another alternative and/or close that bank account and open a new account.

If a buyer thinks the shipped item is counterfeit, the buyer can refuse to accept the shipment. This way the buyer can file an INR (Item Not Received) claim and will not incur return shipping costs which would be the likely result of filing a SNAD (Significantly Not As Described) claim.

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the*glammed*diva
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 9:27 PM
Again, most banks DO charge a fee. Also, most packages can not be refused if they are left in your mail box when you are not at home to intercept the delivery. that would make it impossible to refuse a package. This would only work IF your seller used signature conformation or insurance that requires a signature and they can not leave the package in your box. chances are, they did not use sig conformation. Most only use delivery conformation and the package is NOT hand delivered to your door, giving you the option to refuse it . I dont know about you, but i would not be willing to make that gamble as Sandy suggested you do ;)

im sure someone will come up behind me YET again and try to "one up me" on every stinkin word i ever post on these boards, since she seems to enjoy doing this...but im sure she is looking out for paypals best interest and not the buyers best interest (wink wink)

its funny, every time i post something here (which is not very often) i come back ten minutes later because im am certian Sandy had to follow right behind me and correct me on what i have said. I so look fwd to your pearls of wisdom Mrs. Purnis. It’s always a pleasure!

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the*glammed*diva
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 9:36 PM
by the way, your seller has 117 pos feedbacks for Ralph Lauren products, 2 neutrals and one neg. the neg is the only feedback out of 117 that states item counterfeit. the 2 neutrals have nothing to do with the item being a knock off or counterfeit. chances are, if 117 people think the shirt is authentic, and only one person thinks its not, then it is probably an authentic item and I wouldn’t be to worried about it. :)

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sandypurins
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 10:06 PM
Again, most banks DO charge a fee.

Again... my bank does NOT charge a fee, AND... the other alternative is to close the bank account. The echeck will fail if the bank account has been closed. I have first hand experience with this when my PayPal account was hijacked and used to send a $3,000.00+ bank account funded payment.

Also, most packages can not be refused if they are left in your mail box when you are not at home to intercept the delivery.

A package which has been delivered and which is unopened can be taken to the local post office and refused. I have first hand experience with this... the Delivery Confirmation showed the package as delivered and then refused, and... I won my PayPal INR claim... I was the buyer and I refused the shipment.

I dont know about you, but i would not be willing to make that gamble as Sandy suggested you do ;)

There is no gamble... Delivery Confirmation which shows the package as refused and returned to the seller is a shipment which does not qualify for INR seller protection. The buyer will win the INR claim and receive a refund.

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sandypurins
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 10:15 PM
chances are, if 117 people think the shirt is authentic, and only one person thinks its not, then it is probably an authentic item and I wouldn’t be to worried about it.

That is a whole other issue... the OP was asking about how to cancel or stop an echeck payment.

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the*glammed*diva
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 10:27 PM
So, let me get this -- you are suggesting it would be easier for them to just close their bank account that I’m sure they have had for several years then to send the package back to the seller for a refund and/or possible SNAD claim if need be? Most sellers will be willing to refund w/out a claim to avoid a neg. Chances are a claim wouldn’t even be necessary, but is always a last resort option. Your advice is truly priceless! (not to mention a lot of trouble to go through all over a stupid shirt). Seems like a lot of trouble for a shirt that most likely is not counterfeit in the first place.

I’m curious where you bank, but It’s not really worth asking - ha ha. I bank with Chase and B of A....which are pretty well known reputable banks.

I will ask you though Mrs. Prunis, since you seem to be the voice of wisdom....why not give the seller a chance before closing bank accounts, and doing a stop payment/refusing the package and all these other crazy things you have suggested? Why jump the gun? Just because you refuse packages, does not mean It’s an honest tactic and at this point seems pretty extreme. I would think giving the seller a chance would be good advice. Not ALL sellers are dishonest, and most will refund to avoid a neg without even having to go through the trouble of filing a paypal claim, if you are not happy with your purchase! JMO (but what do i know)



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the*glammed*diva
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 10:30 PM
That is a whole other issue... the OP was asking about how to cancel or stop an echeck payment.


Yes, i realize that. I also realize you advised them to do a stop payment through their bank, and i advised them of a possible (very possible) bank fee for doing this. perhaps OP should be aware of the fees to do the actions you suggested they do.

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the*glammed*diva
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 10:33 PM
By the way, the bank fees will far outweigh the return shipping fee for returning the package. ;)

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sandypurins
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 10:50 PM
So, let me get this -- you are suggesting it would be easier for them to just close their bank account that I’m sure they have had for several years then to send the package back to the seller for a refund and/or possible SNAD claim if need be?

It's cheaper than paying for return shipping. I did it... it cost me nothing... even the new checks were free.

Most sellers will be willing to refund w/out a claim to avoid a neg.

The OP wasn't asking about what "most" sellers would do... the OP was asking how to stop or cancel their echeck payment.

I’m curious where you bank, but It’s not really worth asking - ha ha. I bank with Chase and B of A....which are pretty well known reputable banks.


I have accounts at both of those banks... it's my BofA account which doesn't charge for stop payments.

I will ask you though Mrs. Prunis, since you seem to be the voice of wisdom....why not give the seller a chance before closing bank accounts, and doing a stop payment/refusing the package and all these other crazy things you have suggested?

Once again... did you read the OP's question?

Just because you refuse packages, does not mean It’s an honest tactic and at this point seems pretty extreme.

How many packages have I refused? Why is it dishonest to refuse a package?

Have you finally conceded that a package can be refused after it's delivered but not opened?

I would think giving the seller a chance would be good advice. Not ALL sellers are dishonest, and most will refund to avoid a neg without even having to go through the trouble of filing a paypal claim...

Will "most" sellers pay for return shipping?

Do you pay for return shipping when the buyer is not happy with the item you sent?

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sandypurins
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 10:59 PM
By the way, the bank fees will far outweigh the return shipping fee for returning the package. ;)


The OP is in the UK... the seller is in the Texas... what do you think would be the return shipping cost with online viewable proof of delivery for this item?

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the*glammed*diva
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 11:02 PM
Yes Sandy, i do pay for return shipping if they are returning for a valid reason. I like my customers to be happy customers. Again, not all sellers are the thieves you seem to think they are!


Once again... did you read the OP's question? Yes Sandy, i did read the OP's question. (contrary to what you think, yes, i can read!) I have also laughed @ the foolish advise you have given them.


Oh, one last little tid-bit for you. You had mentioned they can send out an echeck, then close the bank account before the e-check clears. This is the same as writing a hot check, and not something you should be advising someone to do. It too will get you an insufficient funds CHARGE from the bank. Not very good advise! It may be something you practice, but again, its not very good advice ;)

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ryan-524
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Re: Cancelling an e cheque due to possible fraudulant seller

Nov 1, 2009 11:04 PM
it's my BofA account which doesn't charge for stop payments.


Hey, I have a BofA account, I want to know how you managed to get stop payments for free.
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