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Issue: Package arrives empty in my mailbox.

Thanks in advance for any info on my matter.

I made a coin purchase on eBay Feb 16th. The item had not arrived after 10 days or so, so I asked the buyer when it was sent. He said it should have gotten to me by then so we were both a little worried about it.
On Friday March 3rd the Priority Mailer was in my mailbox at home, empty, ripped out the back. It was stamped as arriving empty at a major mail hub about 200 miles from me.
I paid for this purchase with paypal. I did not purchase insurance for the item as I understand it is the seller's responsibility to deliver the goods in tact.
The seller says I'm out of luck since it's not insured. I've filed a claim with paypal as of today.

What's the next step I should take and what's the most likely outcome to this situation?

I know there are people on here with a plethora of paypal experience.

Thanks again.
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Comments

  • airplanenutairplanenut Posts: 22,702 ✭✭✭✭✭
    I think you're wrong on this one. The seller's liable if the package doesn't arrive. It did, but it arrived damaged. You should have bought insurance, but you declined. Sorry to say, but your request is unreasonable, and posting it here won't make you look good. I'd cancel the claim, apologize profusely, and learn your lesson.
    JK Coin Photography - eBay Consignments | High Quality Photos | LOW Prices | 20% of Consignment Proceeds Go to Pancreatic Cancer Research
  • notwilightnotwilight Posts: 12,864 ✭✭✭
    Why is this an ebay issue? I'd edit my title.

    Sounds like you're fine. The seller is the one ot of luck.

    BTW, does the seller use a return address like "John's Super-valuable Coins" ?

    --Jerry
  • Classof67Classof67 Posts: 1,502 ✭✭✭
    What's the $$ value?

    JT
    GREAT BST transactions with Wondercoin, segoja, moderncoinmart, notwilight, wingsrule, 123cents, fivecents, hunted, alohagary, ibzman350, WTCG, sonofagunk, amigo, coincoins, dcgolfer, chumley, nycounsel, tootawl, guitarwes, kimber45ACP, Zubie, Egger, RYK, 1tommy, EagleEye, NEFPROLLC, jmdm1194, Coinfolio
  • in theory you could reverse the transaction and get your money back and the seller wouldn't be able to do anything, but in reality that's kind of unethical when you didn't choose the insurance option, assuming there was one.
  • notwilightnotwilight Posts: 12,864 ✭✭✭


    << <i>I think you're wrong on this one. The seller's liable if the package doesn't arrive. It did, but it arrived damaged. You should have bought insurance, but you declined. Sorry to say, but your request is unreasonable, and posting it here won't make you look good. I'd cancel the claim, apologize profusely, and learn your lesson. >>



    Insurance protects the seller. If you have Post office documentation that it arrived empty half way, the seller didn't deliver the goods. As a seller, I would refund. --Jerry
  • BarndogBarndog Posts: 20,525 ✭✭✭✭✭


    << <i>I think you're wrong on this one. The seller's liable if the package doesn't arrive. It did, but it arrived damaged. You should have bought insurance, but you declined. Sorry to say, but your request is unreasonable, and posting it here won't make you look good. I'd cancel the claim, apologize profusely, and learn your lesson. >>



    I disagree. Seller is responsible to deliver promised goods or refund buyer's payment, period. Seller made a mistake by making insurance optional and then not taking insurance out on the shipment. The buyer here should give paypal a chance to fix it and do the same with the credit card company that backed the paypal payment (assumption on my part) if paypal doesn't square this away.

  • RodiusRodius Posts: 857
    I would open a dispute on paypal and ebay. Both venues usually rule in the buyers favor. Give it a try, cant hurt you, but may hurt the seller.
  • whoa... not trying to look good at all by posting this, just looking for some advice, etc. from people with a bit more experience than I.

    Thanks for your post though.
  • RodiusRodius Posts: 857
    Insurance is for the protection of the seller not the buyer. I insure ALL auctions and I do not give a option. It protects me as the seller. Go for the dispute at both paypal and Ebay. You should win.
  • LALASD4LALASD4 Posts: 3,602 ✭✭✭
    Well, I would side with the seller, but he should have required insurance if it was anything of value.
    Coin Collector, Chicken Owner, Licensed Tax Preparer & Insurance Broker/Agent.
    San Diego, CA


    image
  • Rodius
    I started on my ebay page by clicking the "report item not delivered" link, after a couple of pages it took me to paypal since I paid through them. Now it's wait and see what happens.



    To answer an early question, the dollar amount is slightly more than $100. Not big buck by any means, but still enough to file this claim in my opinion.
  • I had the same problem with someone called virgomoon964 on Ebay. It was a casino silver strike and the seller did not package it well. It looked like it got caught in a machine and ripped out of the package. I did not insure it so I felt I was responsible. I contacted the seller to try and teach them how to package better and the guy acted like a total jerk. So I left negative feedback and he did the same. All in all I think I handled it very wellimage
    Good Luck!!! Let us know how the Paypal thing works out.
  • 08HALA2008HALA20 Posts: 3,066 ✭✭✭
    After working this issue over and over in my mind guided by comments made here I have come to the conclusion that it is the Seller's responsibility to deliver the item and he buyer is responsible to pay.

    So I have changed my auctions to include insurance in shipping fees.

    As a buyer I factor in to my bid what shipping/insurance would cost me.

    Rookie Joe

  • BochimanBochiman Posts: 25,790 ✭✭✭✭✭


    << <i>After banting this issue over and over guided by comments made here I have come to the conclusion that it is the Seller's responsibility to deliver the item and he buyer is responsible to pay.

    So I have changed my auctions to include insurance in shipping fees.

    As a buyer I factor in to my bid what shipping/insurance would cost me.

    Rookie Joe >>





    I did the same thing as a seller awhile ago (after reading enough horror stories on the board here).
    On very minor items, I may put the "optional" for insurance, if I think the added cost may scare away bidders on low priced items, but then, if I do that, I do it with "self-insurance"....ie, I either pay for the USPS insurance or prepare myself to refund the money out of my own pocket if it doesn't arrive for the buyer.

    I've been told I tolerate fools poorly...that may explain things if I have a problem with you. Current ebay items - Nothing at the moment

  • I put insurance on everything whether or not they ask for it. It only protects me as the seller.
    Retired U.S. Army Paratrooper 1977- 1992 Served Proudly. 100% DAV
    All The Way - And Then Some
    I collect Modern Commemoratives
    and anything Franklin.
    image
  • mgoodm3mgoodm3 Posts: 17,497 ✭✭✭
    Insurance protects the seller, not the buyer.
    coinimaging.com/my photography articles Check out the new macro lens testing section
  • WinPitcherWinPitcher Posts: 27,726 ✭✭✭
    If you bought an item from Sears or some other store and the product did not come would you say "oh well I did not buy insurance'

    Why should ebay sellers be any different? If you pay by paypal that old saying "sorry you did not buy insurance' will not hold up.

    Insurance protects the seller, not the buyer. In my auctions I will say Insurance is optional. If they kick in i'll use that dough. If they do not you bet i spring for it.

    Steve

    edited typo


    Good for you.
  • StrikeOutXXXStrikeOutXXX Posts: 3,354 ✭✭✭✭✭


    << <i>After banting this issue over and over guided by comments made here I have come to the conclusion that it is the Seller's responsibility to deliver the item and he buyer is responsible to pay.

    So I have changed my auctions to include insurance in shipping fees.

    As a buyer I factor in to my bid what shipping/insurance would cost me.

    Rookie Joe >>




    I've read probably 100 of these threads in the year I've been registered, and the few I lurked. 95% of them end up with the same conclusion. Almost without fail, the seller gets charged back/ruled against/made to reimburse as it is their responsibility to get the goods to the buyer. Insurance covers the seller, and protects the seller and 99% of the sellers that post these scenarios make their final post similar to yours that they will require insurance on everything in the future.

    I am 99.9% sure that paypal will reimburse the buyer here.
    ------------------------------------------------------------

    "You Suck Award" - February, 2015

    Discoverer of 1919 Mercury Dime DDO - FS-101
  • RodiusRodius Posts: 857


    << <i>Rodius
    I started on my ebay page by clicking the "report item not delivered" link, after a couple of pages it took me to paypal since I paid through them. Now it's wait and see what happens.



    To answer an early question, the dollar amount is slightly more than $100. Not big buck by any means, but still enough to file this claim in my opinion. >>



    I was on the wrong end of this dipute once...I mailed out a USPS priority package on 11/28 and I did not insure (he did not purchase the insurance) but for the $2.30 I should have protected myself. After two weeks he called about the package...I had a tracking number because I shipped through paypal. He opened a dispute through paypal and they immediatly put a hold on my funds. Two days before the funds were to be transfered back to his account the package arrived intact.

    The point is, paypal and Ebay does not screw around with the buyer. I am sure once his funds are put on hold at paypal, you may see a different story.

    Good luck and keep on top of this. (CHECK ON THIS DAILY)
  • zennyzenny Posts: 1,547 ✭✭


    << <i> It was stamped as arriving empty at a major mail hub about 200 miles from me.
    >>




    What more could you need to prove that the item was not delivered!!

    What does insurance have to do with it??

    Good grief.

    Get yer money back and move along.....
  • mozeppamozeppa Posts: 4,431 ✭✭✭
    i'm with bochiman on this...i self insure...and free shipping...i've not lost much by doing it that way, and i get a few more bidders when they don't have to sweat the small stuff....and life....well............it is all small stuff.
  • BarryBarry Posts: 10,100 ✭✭✭
    The UCC regulates this and it has been discussed by Armen Vartian, the collectibles attonrey, several times in Coin World.

    The bottom line is if the seller is a dealer, he has responsibility to delver to you intact> Even if you don't "elect" to buy insurance, it's his responsibility. If the seller just someone selling a few tiems, and does not make a substantial part of his income selling these, you are responsible for declining insurance.

    To avoid these kinds of problems, when I sell, I include insurance in the shipping fee. The buyer doesn't have an option to decline it.
  • mach19mach19 Posts: 4,710 ✭✭✭✭


    << <i>

    << <i>After banting this issue over and over guided by comments made here I have come to the conclusion that it is the Seller's responsibility to deliver the item and he buyer is responsible to pay.

    So I have changed my auctions to include insurance in shipping fees.

    As a buyer I factor in to my bid what shipping/insurance would cost me.

    Rookie Joe >>





    I did the same thing as a seller awhile ago (after reading enough horror stories on the board here).
    On very minor items, I may put the "optional" for insurance, if I think the added cost may scare away bidders on low priced items, but then, if I do that, I do it with "self-insurance"....ie, I either pay for the USPS insurance or prepare myself to refund the money out of my own pocket if it doesn't arrive for the buyer. >>



    Ditto!!!!!!image
    TIN SOLDIERS & NIXON COMING image
  • 09sVDB09sVDB Posts: 2,420 ✭✭✭
    I had a similar experience with an Ebay buyer last fall. They bought an item for around $150, did not pay for insurance so I mailed it first class. They claimed it did not arrive and filed a complaint with PP. PayPal said it was my fault for not self insuring. To avoid hassle(PayPal froze my account) and a negative, I refund the $$ and blocked the bidder. A hard lesson learned for sure!
  • orieorie Posts: 998
    As usual, I'm a bit confused. How does insurance protect the seller? The seller is holding the money. The buyer doesn't have the coin or the money.
  • WinPitcherWinPitcher Posts: 27,726 ✭✭✭
    It protects the seller in so far as paypal will side with the buyer.


    Steve
    Good for you.
  • notwilightnotwilight Posts: 12,864 ✭✭✭


    << <i>As usual, I'm a bit confused. How does insurance protect the seller? The seller is holding the money. The buyer doesn't have the coin or the money. >>



    Right. So since the buyer has nothing, the honest seller must refund. Perhaps we should say that insurance protects the honest seller. --Jerry
  • RussRuss Posts: 48,514 ✭✭✭


    << <i>I did not purchase insurance for the item as I understand it is the seller's responsibility to deliver the goods in tact. >>



    You deliberately declined to purchase insurance because you knew you could stick it to the seller if the package got lost or damaged. You're scum.

    Russ, NCNE
  • BECOKABECOKA Posts: 16,961 ✭✭✭


    << <i>

    << <i>As usual, I'm a bit confused. How does insurance protect the seller? The seller is holding the money. The buyer doesn't have the coin or the money. >>



    Right. So since the buyer has nothing, the honest seller must refund. Perhaps we should say that insurance protects the honest seller. --Jerry >>



    I think one point is really being missed here. Insurance would not even help the seller in this case. The post office will do their own investigation as well and part of the terms of insurance is that the packages is properly prepared. In this case it sounds like it was poorly packaged and the would decline to pay the insurance.

    Totally the sellers fault. He should know how to properly package a coin.
  • RussRuss Posts: 48,514 ✭✭✭


    << <i>In this case it sounds like it was poorly packaged and the would decline to pay the insurance. >>



    Where did you get that?

    Russ, NCNE
  • MadMartyMadMarty Posts: 16,697 ✭✭✭
    I have one of these in the works right now as well, the item is a $100 and the buyer bought ins. I'm just wating for the ripped envelope to be returned (buyer refused package) so I can file a claim. As soon as the claim is filed I will refund his money. I have had 2 uninsured packages lost, I refunded both. A lot would depend on the attitude of the buyer. If the buyer is a dick, I will fight him all the way.
    It is not exactly cheating, I prefer to consider it creative problem solving!!!

  • TwoSides2aCoinTwoSides2aCoin Posts: 45,010 ✭✭✭✭✭
    The seller nor the buyer is the blame here. There is a thief working in the postal service somewhere between the buyer and the seller and the United States Postal Service is to blame. Insurance protects us from Postal Employees... imagine that image
  • mrpotatoheaddmrpotatoheadd Posts: 7,576 ✭✭✭


    << <i>The UCC regulates this and it has been discussed by Armen Vartian, the collectibles attonrey, several times in Coin World.

    The bottom line is if the seller is a dealer, he has responsibility to delver to you intact> Even if you don't "elect" to buy insurance, it's his responsibility. >>

    Following this line of thinking, buyers could "elect" to not pay the shipping charge, too.

    I believe there are multiple scenarios possible here, and not all of them would have the same resolution. IANAL, but I can understand a reasonable expectation on the part of the buyer that he will receive either the item or reimbursement in the event of loss if there is no mention of the issue of insurance throughout the transaction.

    If, however, an eBay seller states in his terms that insurance is optional and the responsibility of the buyer, it would seem to me that a buyer (knowing this at the time he makes his bid) who opts out of insurance has a moral obligation to accept the risk of loss regardless of whatever policies eBay or PayPal might have in place which would allow him to be otherwise refunded.

    But then, that's just me...
  • RussRuss Posts: 48,514 ✭✭✭
    That reminds me. Marty hosed me out of an extra 5c on insurance for the last coin I bought from him. There had better be an extra cat butt sticker on this one.

    Russ, NCNE
  • RussRuss Posts: 48,514 ✭✭✭


    << <i>If, however, an eBay seller states in his terms that insurance is optional and the responsibility of the buyer, it would seem to me that a buyer (knowing this at the time he makes his bid) who opts out of insurance has a moral obligation to accept the risk of loss regardless of whatever policies eBay or PayPal might have in place which would allow him to be otherwise refunded. >>



    Yea, verily. This is a perfect example of the difference between ethics and rules.

    Russ, NCNE
  • BECOKABECOKA Posts: 16,961 ✭✭✭


    << <i>

    << <i>In this case it sounds like it was poorly packaged and the would decline to pay the insurance. >>



    Where did you get that?

    Russ, NCNE >>



    Guess work based on the first post.
  • BSBS Posts: 1,318 ✭✭✭


    << <i>The seller nor the buyer is the blame here. There is a thief working in the postal service somewhere between the buyer and the seller and the United States Postal Service is to blame. Insurance protects us from Postal Employees... imagine that image >>

    How do you know the coin was stolen? You have no idea how the coin was packaged. Many people don't use any common sense when sending items.
  • busco69busco69 Posts: 815 ✭✭
    I bought a coin on ebay same thing ripped package coin missing ,contacted seller he say's he needs ripped package back so he can file claim,I mail it to him ,he negs me saying I received coin and he has proof.I could not understand the neg I had not negged him yet and he had his money for the coin. Package was insured so I hated to but I negged him his user ID is [ harry4863] just so you all know.
    ''Coin collecting is the only hobby where you can spend all your money and still have some left''
  • RussRuss Posts: 48,514 ✭✭✭


    << <i><< In this case it sounds like it was poorly packaged and the would decline to pay the insurance. >>

    Where did you get that?

    Russ, NCNE >>

    Guess work based on the first post. >>



    I don't see anything in the first post that indicates it was poorly packaged. In fact, the post indicates it was packaged with USPS materials.

    Russ, NCNE
  • al410al410 Posts: 2,435 ✭✭✭✭
    I buy the insurance when buying on ebay, and most of the time I state shipping charge and make it mandatory when selling. Having said that, and being a buyer and seller on ebay I feel it is the responsibility of the seller to deliver. as a buyer we pay upfront trusting the item is as described and pictured. Thank about it, what if it was reversed, how comfortable is it sending a package not paid for and hoping when it gets there the buyer pays? I bet we would insure everything huh? anyway just my opinion.
    AL

  • zennyzenny Posts: 1,547 ✭✭


    << <i>I bought a coin on ebay same thing ripped package coin missing ,contacted seller he say's he needs ripped package back so he can file claim,I mail it to him ,he negs me saying I received coin and he has proof. >>




    But in this case there is PROOF that the buyer received an EMPTY package, not just ripped.

    THERE WAS NOTHING IN THE PACKAGE.

    I repeat, good grief.....
  • 08HALA2008HALA20 Posts: 3,066 ✭✭✭
    This is exactly the same thought processes I have been through in the past.
    Do not buy or sell an item without insurance unless you will take the responsibility for the lost or damaged item.

    In my thinking it is just not worth the aggravation.

    Rookie Joe

  • busco69busco69 Posts: 815 ✭✭
    Zenny in my case I am the one who did not get the coin I had ins and the guy negs me first you think this is right, again I bought ins never got coin or refund just got a neg for my bid.
    ''Coin collecting is the only hobby where you can spend all your money and still have some left''
  • I had one incident like that..... I had ordered a grouping of 10 coins from a seller who just put the coins. loose, in a non-padded shipping envelope..... somewhere along the way, the envelope got torn and 7 of the coins got lost......

    I emailed the seller, with the information that the package arrived, complaining of the poor packaging, and saying how lucky I was, as I bought the lot for one coin in particular which DID arrive..... but not making too much of an issue, but advising the seller that he should try to ensure that his packages are more securely packed in the future.....

    The seller acknowledged this fact and reimbursed me for the ENTIRE packet as he felt that it was his fault..... I tried to return it to him as I only wanted the one coin, which was among the 3 that arrived, but he wouldn't hear of it.....

    I was lucky in that I had an honorable seller.....



    Another time I had a SECURELY WRAPPED envelope, shipped internationally "signed for", with a rare coin inside, arrive 7 MONTHS after it was mailed, in a Postal Body Bag....... Fortunately the coin was still inside....... I informed the seller who had already made good on it and rearranged repayment for the coin......


    I once shipped something by UPS and received a notice from UPS that the package was at their depot but was open and empty..... I immediately contacted the buyer, sent him copies and links to UPS, so he would know that I was not trying to renege on the deal, and asked him to let me know if it ever did turn up ( I had it in another sealed envelope with his address on it, and placed that in the UPS envelope).... I also filed a claim with UPS.... Before I received the settlement from UPS, I received notification from both UPS and the BUYER, that the contents had been found and had been delivered........


    Point being, be honest in your assessment of the situation..... If you TRULY believe it was the SHIPPERS fault (poor packaging), then you should pursue the matter.... If you can honestly acknowledge that the shipper sealed it securely and the dage was either from a postal machine or other 3rd party damage (theft???), then the seller did his share, you declined insurance, and you should eat the loss or at least pursue your problem with the post office (which will get you nowhere)..... Just be fair and just in your assessment before you hit the poor guy with a negative and/or billback for something over which he had no control.....
  • MadMartyMadMarty Posts: 16,697 ✭✭✭


    << <i>That reminds me. Marty hosed me out of an extra 5c on insurance for the last coin I bought from him. There had better be an extra cat butt sticker on this one.

    Russ, NCNE >>



    Trust me, you wish it was only a cat butt sticker!!
    It is not exactly cheating, I prefer to consider it creative problem solving!!!

  • Make a Paypal claim. You will win. Period.
  • 66Tbird66Tbird Posts: 2,858 ✭✭✭
    It is good practice to tape all edges on a package. Especially padded envelopes. My 2Cimage
    Need something designed and 3D printed?
  • BSBS Posts: 1,318 ✭✭✭


    << <i>

    << <i><< In this case it sounds like it was poorly packaged and the would decline to pay the insurance. >>

    Where did you get that?

    Russ, NCNE >>

    Guess work based on the first post. >>



    I don't see anything in the first post that indicates it was poorly packaged. In fact, the post indicates it was packaged with USPS materials.

    Russ, NCNE >>

    Russ, that depends. If it was a loose slab in a Priority envelope it would still be poorly packaged.
  • Seller is obligated to deliver,bottom line,insurance or no !

    If i have an item on the Bay and make insurance optional and the buyer dont pay i pay it myself and eat it !

    Pay Pal will side with the buyer everytime !
    image


  • << <i>

    << <i>That reminds me. Marty hosed me out of an extra 5c on insurance for the last coin I bought from him. There had better be an extra cat butt sticker on this one.

    Russ, NCNE >>



    Trust me, you wish it was only a cat butt sticker!! >>



    You did not send him an envelope with a cat skid mark on it did you?? image

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