I lost £1,023 in eBay coin scam

The Daily Telegraph - Your Money - - READERS’ LETTERS -

I re­ceived pay­ment via PayPal from a buyer of two gold coins I had sold on eBay.

Shortly af­ter, I re­ceived a mes­sage from the buyer’s of­fi­cial eBay ac­count ask­ing me to send the coins to a dif­fer­ent ad­dress. I duly sent the recorded de­liv­ery pack­age as re­quested. Ac­cord­ing to Royal Mail track­ing, it ar­rived the next day. Two days later, af­ter the coins had been signed for, I re­ceived an email from PayPal stat­ing that the buyer’s ac­count had been hacked and the money I had re­ceived was an unau­tho­rised pay­ment.

Once I ex­plained that there had been a change of ad­dress, PayPal promptly re­funded my money back to the buyer from my ac­count. So I have lost the money and the gold coins. Ebay has now re­funded its com­mis­sion to me and PayPal has paid back half of what I lost but I am still out of pocket to the tune of £1,023. Can you get this back for me? JJ, WAR­WICK­SHIRE.

Ini­tially I ap­proached eBay, which said that be­cause you had sent the items to a dif­fer­ent ad­dress there was noth­ing more it could do. It said it is im­por­tant for sellers to send items to the ad­dress pro­vided in their buyer’s “View Or­der De­tails”. It said: “Send­ing the item to an­other ad­dress is likely to mean the item isn’t cov­ered by seller pro­tec­tion.”

With PayPal, as usual there were prompt­ings from me, calls not re­turned and wrong re­sponses that I had to cor­rect. My in­volve­ment did lead to PayPal is­su­ing you with a full re­fund “as a good­will ges­ture”, so the re­main­ing £1,023 has been re­im­bursed. Its re­sponse had been in a sim­i­lar vein to eBay’s, with it say­ing: “Our seller pro­tec­tion pol­icy can cover the cost of unau­tho­rised pay­ments, if the seller can pro­vide us with proof of postage and de­liv­ery to the buyer’s ad­dress as spec­i­fied in the trans­ac­tion con­fir­ma­tion. In Mr J’s case he sent his goods to a dif­fer­ent ad­dress.”

Pre­vi­ously it ad­mit­ted it had been dis­tracted by the ad­dress is­sue. The item had been de­liv­ered to a flat above a taxi ser­vice. I called


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