Calvin Lau Charged Back In Paypal For Services Delivered & Another Already Refunded

Discussion in 'The Shit List' started by freckletone, Feb 2, 2018.

  1. freckletone

    freckletone Jr. VIP Jr. VIP

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    User Calvin Lau ordered 2 links from 2 different sites from me... on 10/7/2017

    https://www.blackhatworld.com/members/calvinlau.1038892/

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    Site 1 for $220... Site two for $165 (Site name redacted for privacy reasons)

    Order was placed on Oct 9 under the name "Michael Rafferty".

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    The first site for $220 refused to link to his casino site. I let him know and issued him a REFUND. First I notified him via BHW and send a refund via PAYPAL on 10/27

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    The other link is still UP and LIVE with his casino link intact (will pm it to a moderator if needed as I do not want to post it publicly)

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    Yet he charged back for BOTH links in Paypal. One for an article for whom a refund ALREADY was issued and another one where the link is still up and work was delivered.

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    Charging back for work that was delivered and for a refund that was already issued is FRAUD. Paypal has frozen $375 out of my account and as a result I had to do a lot of work this month for FREE because the funds I received from that work was FROZEN. Paypal will hold the money for 60 days until his bank decides what to do (I already provided Paypal with the above proof).

    I am not in a Third World country, I am from the US but $375 is A LOT of money to me. A LOT. It's MORE than what I spend on groceries on myself in TWO MONTHS. (I spend less than $150 per month as I am VERY frugal). I live hand to mouth and depend on this money to pay bills. As a result I am even hesitant about renewing my thread on BHW because I have this money frozen in my account and paying an extra $30 is a bit tough.

    I have contacted Calvin Lau/Michael Rafferty via email, CALLED HIS PHONE NUMBER, his address on file is a mailing address (post office box) and not a legit address. All I know is that he lives in MA.

    Again charging back for a refund that was already issued is FRAUD. He is asking to receive money for nothing as it was already REFUNDED. This person should be legally persecuted IMO for stealing from me.

    Charging back for work that was already delivered is also FRAUD. I feel like I should file a police report on this person as they legitimately STOLE from me.
     
  2. BassTrackerBoats

    BassTrackerBoats Super Moderator Staff Member Moderator Jr. VIP

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    Shitlist Request Approved

    @calvinlau has been notified he has 48 hours to respond to this post.

    PS. Reminder to all who have current issues, keep it PROFESSIONAL. No name calling or other insults.

    I don't have a lot of expectations here as the accused has not been on BHW for months.

    Reminder to everyone else:

    Shit list rule #4:
    If you are not directly related to the situation, or are not offering information directly related to the situation: do not post in the thread.
     
  3. BassTrackerBoats

    BassTrackerBoats Super Moderator Staff Member Moderator Jr. VIP

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    @calvinlau has been banned.

    He has not been on since October of last year and I suspect that is because he ripped you off.
     
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  4. freckletone

    freckletone Jr. VIP Jr. VIP

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    Just an update on this thread; got an email from Paypal today

    "After our efforts to resolve this dispute on your behalf, your buyer’s financial institution decided in the buyer’s favor."

    So they took $375 despite the fact that I showed proof that a refund was issued for one article and for the other one work was delivered.

    Is this legally allowed? To charge back for a service that was already refunded and and for one that was delivered?

    Since I already gave him a refund that means that I am actually at a loss since he basically pocketed that amount out of my bank account.
     
  5. MMM Welding

    MMM Welding Junior Member

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    I had a dispute go the same way. Refunded even though I did the work. I showed proof of the work I did and everything and still lost the thousands that I worked hard for. I have no idea what they're doing over there.
     
  6. Frap

    Frap Junior Member

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    Sorry to inform you, I have a lot of experience in fraud prevention, used to work for Etrade.

    Theres a lot of reasons but most importantly, you will not get your money back and he will no be charged with any sort of crime.

    Even if you file a police report, the police won't do anything. It just goes in there "shitlist" reports.

    Even the FTC is not stingy with fraud if its under $2k.

    Considering this is a digital transaction, he's going to win every time.

    Even if it was physical (you mailing him an object in exchange for funds via ebay) , the buyer could come up with any sort of excuse.

    As soon as he tells his bank the transaction was fraudulent, the bank will claim they are doing an "investigation" , but they do not. Simply, he gets a new card, and his available credit is back to normal.

    Fck these pricks. Don't worry karma will come to him.
     
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  7. SocialVerifier

    SocialVerifier BANNED BANNED

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    That's why always best for seller protection is to use F&F (GIFT PAYMENT) of Paypal, since mostly once instant payment and buyer request a chargeback usually Paypal favor on Buyer once your product is digital.
     
  8. freckletone

    freckletone Jr. VIP Jr. VIP

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    It would be nearly impossible to have the buyer agree to this as most would opt to purchase with buyer protection if it's via Paypal.
     
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  9. Ozzyzig

    Ozzyzig Jr. VIP Jr. VIP

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    Depending on where your client is, it may be possible to file a small claim against him. Certainly if your client is in the UK this wouldn't be a problem. You've got the proof that he ripped you off and the hearing would go in your favour.
     
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  10. freckletone

    freckletone Jr. VIP Jr. VIP

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    I'm in the U.S and I don't even know what his real name is as I don't think the name he signed up with is his real name (both of the names he gave me). Also, for small claims court I would need to file in his state and show up there on the first day of court (I am not 100% positive that he is in MD) and if so I can't afford to travel anyways.

    I'm conservative when I put gas in my car (as I don't fill it up all the way) let alone have the funds to travel to another state to sue someone. How am I going to pay to get there as well as pay for the Air B'B as I can't afford a hotel? It would probably cost $250 of the $400 something he owes me just to get there and find a place to stay.
     
  11. br4sco

    br4sco Regular Member

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    Cant you cancel / chargeback your refund?
     
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  12. freckletone

    freckletone Jr. VIP Jr. VIP

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    I didn't think of that. I just did this. thanks
     
    Last edited: Mar 1, 2018
  13. br4sco

    br4sco Regular Member

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    Shouldn't make a difference. If i remember correctly its the same transaction like paying someone for a product / service, and if not friends & family you should at least be able to charge back the 220. just try it. and be sure to delete his still existing link.
     
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  14. freckletone

    freckletone Jr. VIP Jr. VIP

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    It worked; I was able to charge it back via PP but don't know if they will rule in my favor. I can't delete his link as it was a guest post and it's not my site.
     
  15. br4sco

    br4sco Regular Member

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    At least you have a chance of getting it back! fingers crossed...
     
  16. Betty1994

    Betty1994 Junior Member

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    Getting w court order is useless as bankruptcy is for 5k or more. The effort to get bailiffs is extensive unless you are doing several at a time.
     
  17. MisterF

    MisterF Moderator Staff Member Moderator Jr. VIP

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    The £5k doesn't need to be just owed to you, it applies if the total debts are over £5k, so 5 people each owed £1k etc.

    Small Claims Court is another option in the UK, for debts under £100,000 and owed by no more than 2 people or 2 organisations. Statuary Demand is another option.

    Not sure what's extensive about getting a baliff either, it's straight forward to organise.
     
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  18. Betty1994

    Betty1994 Junior Member

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    I'm doing this at moment , trust its extensive. People like this tend to be career criminals always dodging payments like this or rent so move around a lot, but aren't homeless so you keep having to find new addresses e.t.c
     
  19. freckletone

    freckletone Jr. VIP Jr. VIP

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    Both of your comments are irrelevant to my situation because

    1. I AM NOT IN THE UK

    2. I cannot afford to travel to the East Coast (even by car as I cannot afford the gas) which is where I would need go to sue him. I cannot afford the travel and Motel or Air B&B costs. (Let's put it this way: Most of the time I fill up my gas tank halfway to save money so travelling even 200 miles away etc is out of the question) let alone drive or fly to another state.
     
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  20. Betty1994

    Betty1994 Junior Member

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    Can't you send a rep, I'm sure you can get one via people per hour e.t.c