HERE IS THE REPOST OF ONE OF MY BLOG, The blog went unnoticed so I think this is right discussion to post as it is related to FRAUD:
Hi all,
Newbees or experienced eBay sellers, you all are lucky if you never had any kind of Chargeback isuue in your slling life. If you do not understand what a chargeback means, you are lucky as you never had any isuue of this kind and "ignorance is a bliss".
Anyway, for those who wants to know more what I am writing about then read on............
"Chargeback" is made by the credit card company of Buyer. The buyer will palce you an order, she will pay using her credit card and she may anytime lodge a complain with her credit card company for a chargeback. So generally a buyer will lodge this only if she doesn't recieve the items she ordered for and to get the money back she may lodge a chargeback.
Now in case if you have shipped the items, you may provide a POD [Proof of delivery] and can save your hard earned money by getting chagredback. So what I am trying to prove here............
Hold your breath and prey you never face this kind of situation. Apart from the non-delivery of the items, a buyer may also lodge a chargeback of a payment if she feels the items she has recieved is not significantly as described. [ in simpler terms, if the buyer do not like the items, she may lodge a chargeback, a reason enough to get scared.....read on]
So you think eBay's so called policies will come to rescue you out of this mud, or your so called RETURN policy will come to rescue you. Forget it, as I told you in my another blog entry, it is better to get scummbed then to fight a lone battle [My personal views, no need to get inspired], here is what eBay writes in its chargeback policy:
Cases in which no chargeback protection is provided by PaisaPay:
Delivery of the item purchased is not made or item delivered is significantly different from the item description
I asked an eBay official about this cryptic last sentence of this policy, and queried about this "Significantly Different" term and also asked who decide the difference and I hear a long silence and had to cut off the phone line as I knew I got my answer. And anybody of you wants to get the taste of it try to ask this to some ebay people. At the most they will refer you to some ODR [I do not know if I am writing this rightly] and if you wanna have a whole hearted laugh, more laughter then any of the Tube programme go and see the fee table and time limit of this ridiculous ODR system.
So the bottom line is that if you have got any chargeback due to "Item significantly different from the item description". I bet only god can save you no one else. Please do not ask if this all happens on PAYPAL, the answer will scare to your soul. they not just make the reversal, they will charge you a disput challange fee from you [for losing] and that too in US $.
Hope I am not being rude anywhere.
Hugs
ADi