We would recommend that you use a credit card to make your purchase or make a payment
. Do not
place cash into anyone's account.
Buyers are strongly advised to pay using PayPal
and credit cards for payment protection. Never pay cash directly into someone’s account as this will not give you any payment protection.
PayPal offers buyer protection for items purchased and you will not have to reveal your credit card details to sellers. Credit card companies also offer purchase protection services under section 75 of the 1974 Consumer Credit Act. This means that your credit provider must take the same responsibility if things go wrong with a purchase for a single item and the cost is between £100 and £30,000. So if a transaction goes wrong you can still claim your money back from your credit card provider and this also applies to non delivery and faulty goods.
There is also a scheme known as Chargeback which also offers consumer protection in the event of buying faulty goods or not receiving goods ordered. Chargeback works on many of the major credit and Visa debit cards and applies to purchases under £100. It also includes prepaid Visa cards and Visa Electron purchases. Mastercard also operates a similar scheme but it only applies to purchases made with Mastercards. You must contact your bank or card provider within 120 days of the purchase to start the process of claiming money back from the supplier’s bank. Please note that chargeback is about the Visa Scheme Rules and unlike Section 75 the bank is not legally liable. Also, some bank staff may not know about the scheme so you may have to explain it to them.