How can I get my money back.

[u/FlippinTurd21]

I went onto facebook market to see if anyone had any old nintendo switch consoles they were selling and stumbled upon a deal for 125.- I messaged the person and we came to an agreement that Id pay 125.- plus the shipping cost of 10.- Now my situation is now I had already paid and expected the parcel but when I asked about it she told me that shipping all of a sudden costs an extra 60.- and Id need to pay for that too if I wanted it. I told her that there would be no way I would be paying for that as that 60.- extra came out of nowhere and just doesnt make any sense why it would cost 60.- I then asked her for a refund and she has only responded that I can pay 50.- instead of the full 60.- and I told her that I just wanted my money back since she has been really hard to deal with with hours of no response and ever since she hasnt responded at all. Is there any way I can get my money back at all? I have all screenshots of the conversation we had.

[u/Ok-Environment8730]

You don’t

second hands shop like tutti Ricardo and especially Facebook are not covered neither by banks and insurances. It’s the buyer responsibility

The only time you are covered is if the seller accept payment via PayPal (goods and services if it ask to pay under friends and family is a scam)

[u/LBG-13Sudowoodo → u/Ok-Environment8730]

Ricardo also provides the seller's details so you can draft the formal payment request, which is then evidence once you take the legal route to get your money back.

[u/Salty-History3316 → u/LBG-13Sudowoodo]

Which however is useless if the account was hacked or registered under false name (there's a scam where hackers offer a job to sell stuff on Ricardo and they will deal with shipping for you). You can get your money back if you use Moneyguard and don't receive the item, there's also a buyers protection for certain cases.

[u/LBG-13Sudowoodo → u/Salty-History3316]

Then again, one would try to avoid apeing into a deal that's too good to be true on a throwaway account, but that's neither here nor there.

[u/Salty-History3316 → u/LBG-13Sudowoodo]

That would be ideal, yes, but there's posts about this almost daily in the swiss subreddits, it just keeps happening.

[u/Ok-Environment8730 → u/LBG-13Sudowoodo]

125 for the switch given the fact it’s a technology pieces especially a console which lose tons of value and the upcoming switch 2 is not unreasonable too good to be true deal

[u/LBG-13Sudowoodo → u/Ok-Environment8730]

In this case, indeed.

[u/dmmeyourworries → u/Salty-History3316]

Stolen accounts still have the banking details of the original owner usually. They’ll ask for TWINT payment only and that’s your red flag for noping out and reporting the account (and informing the owner of the account they’ve been hacked)

[u/Salty-History3316 → u/dmmeyourworries]

If the original account owner has no banking details entered, then the hacker can just add their own. It sucks and they should just enforce that everyone adds their iban and be done with that.

[u/Brilliant_Evidence43 → u/LBG-13Sudowoodo]

Agreed! Correct me if I’m wrong here, but you need to verify your account physically with a letter in the mail that has a code. (At least that was my experience) On top of that some buys have this twint feature (forgot the name) where Ricardo holds the money in “escrow” until the buyer confirms satisfactory delivery.

[u/LBG-13Sudowoodo → u/Brilliant_Evidence43]

Afaik, yes, there's some degree of identity verification, and there's the possibility to cancel orders. Fraud goes both ways...

[u/Ok-Environment8730 → u/Brilliant_Evidence43]

There are websites for temporary e mails phone numbers and everything you want. It’s not difficult to fake the identity on reselling platforms

[u/sw1ss_dude → u/Ok-Environment8730]

It's probably not worth the effort though for the scammers a new address check everytime they scam somebody. That is why Ricardo is safer than anything else. The other being seller rating