avtur Posted February 26, 2012 Share Posted February 26, 2012 I tried to open a Paypal account a couple of years ago, something went wrong I ended up inundated will all manner of emails some of which just didn't look right, I reponed to a couple didn't get replies so I stepped back and left it. Left me feeling very uneasy about Paypal. Things have moved on, there seem to be a lot of online retailers that will only take payment via Paypal so I guess I'm going to have to bite the bullet and try again, I'm sure many folks on here a perfectly satisified Paypal customers so could you give me some clues on setting up an account, does it have to be linked to a bank accoun or credit card? Can you preload funds into the account and then spend from that (like a prepaid credit card) Any hints, tips guidance, good/bad experiences much appciated. Quote Link to comment Share on other sites More sharing options...
Anthony Billings Posted February 26, 2012 Share Posted February 26, 2012 Hi, I have never had any problem with Paypal, mine is linked to a card, but I think you can add funds to an account as you suggested. Tony Quote Link to comment Share on other sites More sharing options...
stu knowles Posted February 26, 2012 Share Posted February 26, 2012 My PP account draws off my credit card, my thinking being that if there were any funny business, hopefully the CC company would be on my side and be a usefull 'big gun ' on my side. However, in the 5 years + that I have been using ebay and PP I have not had any bother at all. That said, you must be aware of any e-mails that puport to come from ebay / paypal, never click on any link in any e-mail. Always go to the relevant site through a known link where any genuine message will be repeated and waiting for you there. I find PP cvonvenient as a buyer. I rarely sell anything so can't comment on fees etc. stu k Quote Link to comment Share on other sites More sharing options...
Andy Green Posted February 26, 2012 Share Posted February 26, 2012 I've been a user for 11 years and never had a problem. My account is linked to a card, and to be honest I'd rather pay by PayPal rather than send my credit card detils to yet another on line retailer. One word of advice, NEVER click on a paypal link in any email, always open a new browser window and type in the paypal address. It;s one sure way to avoid being phished. Andy Quote Link to comment Share on other sites More sharing options...
Stephen Grigg Posted February 26, 2012 Share Posted February 26, 2012 I use PP constantly with no problems linked to bank account.Had a fraudulent withdrawal of £5 recently they sortyed it immediately but it pretended to come from Paypal ,I watch my account daily. Quote Link to comment Share on other sites More sharing options...
Malcolm Fisher Posted February 26, 2012 Share Posted February 26, 2012 Paypal makes a small percentage charge on the recipient of the payment. The company also seems to like having any phishing attempts forwarded to them. I think it's a case of forwarding the suspicious email to spoof@paypal . Whatever you do never open anything and never divulge any account details. Malcolm Quote Link to comment Share on other sites More sharing options...
flytilbroke Posted February 26, 2012 Share Posted February 26, 2012 Only once had a problem with a purchase and Paypal sorted it out with a fairly rapid return of my money. Found it easy to set up drawing on my credit card. Good advice to never open supposed PayPal E-mails, just as it is to not open any of the "whatever type" Banks rubbish. Quote Link to comment Share on other sites More sharing options...
Daithi O Buitigh Posted February 26, 2012 Share Posted February 26, 2012 I'm the same here - I have Paypal linked to my debit card and never have a problem. Paypal does make a small handling charge, but to be honest, it's not as painful as the handling charge from the bank for converting sterling to dollars. I have had spoof e-mails - but I just ignore them. The only ones I bother about are the ones that confirm my payment and an odd one or two that are making an 'offer' (which I ignore anyway after reading them). Normally my junk filter takes out anything that is suss (and Paypal stuff not coming from Paypal ends up in the bin automatically) Quote Link to comment Share on other sites More sharing options...
avtur Posted February 27, 2012 Author Share Posted February 27, 2012 Thanks all, good to hear a concensus of positive feedback, though clearly the follow up and email links is an issue (sounds like what I had previously experienced), guess I'll go ahead and try again ... Quote Link to comment Share on other sites More sharing options...
Steve W-O Posted February 27, 2012 Share Posted February 27, 2012 Use another email. I use paypal @xxxxxxx.co.uk and [email protected] uk then I know that only those come in there, anything alse is spam, also I am not as likely to miss an email. As has been said, best to use a credit card, and keep the card in credit if you want to avoid interest, but at least you have some extra protection, unlike a bank account or debit card. Paypal had a very bad name a few years ago, they had to clean up their act. (ie one of their rules was that you could not complain to your card company!!!) Quote Link to comment Share on other sites More sharing options...
Carl Muff Posted February 27, 2012 Share Posted February 27, 2012 hi my wife pay pal was shut down by pay pal as they believe someone was trying to get in that was not my wife ,which i thought was really good and if you have a problem just ring them always better than a email and alot qucker Quote Link to comment Share on other sites More sharing options...
BB Posted February 27, 2012 Share Posted February 27, 2012 Never had a problem with Paypal in 5 years. Registration was easy. Just have to remember to update C/card details every couple of years (but, only through my paypal account) not via the spam reminder that finds its way to my inbox. Truth be told where possible one has more protection using a credit card. If you purchase from a seller on Ebay and you do get payment options it is better to use a credit card directly. The reason is this; If you do use a Credit Card registered via Paypal and make payment through a Paypal account by default, you have agreed to be bound by their T&C agreement, not your credit card companys'. I.E. When / if there is a dispute and Paypal doesn't resolve the issue, you have no rights under the consumer credit act to then seek resolve through your credit card company. You have to be prepared to read the small print in these matters I believe: And there are limited liabilities contained with the Paypal T&C's. Which don't exist within a standard credit card agreement. I'd never register a Debit Card with Paypal. I never use a Debit Card online at all. BB Edited By BB on 27/02/2012 07:23:01 Quote Link to comment Share on other sites More sharing options...
Steve W-O Posted February 27, 2012 Share Posted February 27, 2012 Paypals agreement (or anyone elses) can not reduce thr rights you are entitled to by any legislation. Quote Link to comment Share on other sites More sharing options...
Steve Hargreaves - Moderator Posted February 27, 2012 Share Posted February 27, 2012 Another vote for Paypal from me to....I have it linked to a credit card that I ONLY use for online transactions so I can check the statement carefully. Never had a problem in many, many years & useful for transfering monies around.....used it recently to allow a German colleague from work to pay me for some whisky I had bought for him..... It just does what it says on the tin!!! Quote Link to comment Share on other sites More sharing options...
avtur Posted February 27, 2012 Author Share Posted February 27, 2012 Thanks all for the positive feedback, been on the phone to Paypal and found I had an account but it was locked ... now sorted, I have a live account ... again many thanks for replies. Quote Link to comment Share on other sites More sharing options...
BB Posted March 3, 2012 Share Posted March 3, 2012 Posted by Steve W-O on 27/02/2012 09:06:23: Paypals agreement (or anyone elses) can not reduce thr rights you are entitled to by any legislation. There are exclusions: http://uk.finance.yahoo.com/news/The-risks-using-Paypal-yahoofinanceuk-26509032.html Paragraph 3: Does Paypal actually offer extra protection? Section 75 of the Credit Consumer Act (legislation). Also, purchases of less than £100 will not be covered via your CC'd resolution protocol. http://www.financial-ombudsman.org.uk/publications/ombudsman-news/31/creditcards-31.htm Quote Link to comment Share on other sites More sharing options...
John Cole Posted March 3, 2012 Share Posted March 3, 2012 Unlike everyone else who has posted, I have my PayPal account linked to my bank account (via Direct Debit). I once had a problem (when I was card-linked) when a card expired. Apart from that I have never had any problems. Quote Link to comment Share on other sites More sharing options...
i12fly Posted March 3, 2012 Share Posted March 3, 2012 Never had a problem with paypal myself and use it wherever I can, but I have heard there can be a problem if selling stuff if it is collected. Not sure if it is true but it goeslike this: You sell on ebay, person pays by paypal, person collects, then person says seller has defaulted so gets their money back through paypal. You don't realise until it is too late and you cannot prove they've collected said item. As I say I'm not sure if it is true, but if I'm selling I say cash on collection. Quote Link to comment Share on other sites More sharing options...
Erfolg Posted March 3, 2012 Share Posted March 3, 2012 The problem of e-mails purporting to come from PayPal is not confined to them. I would expect that every one with an e-mail account has had Emails that purport to come from their banks and other business where you possibly obtain a service. All warning that unless you respond, some account or service will be suspended until some information is provided. Just to verify you are the bonafide account holder. I also get emails from Parcel services (logistic ) with respect to some item, I never reply. All will be scams of some sort. No reason to suspect Paypal to be any different. Quote Link to comment Share on other sites More sharing options...
Glyn R Posted March 3, 2012 Share Posted March 3, 2012 Posted by Erfolg on 03/03/2012 13:57:27: The problem of e-mails purporting to come from PayPal is not confined to them. I would expect that every one with an e-mail account has had Emails that purport to come from their banks and other business where you possibly obtain a service. All warning that unless you respond, some account or service will be suspended until some information is provided. Just to verify you are the bonafide account holder. I also get emails from Parcel services (logistic ) with respect to some item, I never reply. All will be scams of some sort. No reason to suspect Paypal to be any different. I just had a very believable email supposedly from my credit card compay. Obviously a fraud. I have used Paypal for years both buying and selling, never had a problem. The beauty of the system is that your buyer or seller never has any financial information only your email address and your home address. Paypal itself may be laible to errors or bad judgement like any other organisation. Quote Link to comment Share on other sites More sharing options...
Erfolg Posted March 3, 2012 Share Posted March 3, 2012 From my own limited experiences, the pervayer of fraudulent Emails or even telephone calls, try to lead you, bit by bit, to reveal a little bit more information. They seldom will say , give us your password. They may say after some discourse, can we have your password etc., to check it corresponds to our records. At what point the alarms ring will vary. Quote Link to comment Share on other sites More sharing options...
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