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Advice Please :)
Okay... so I found someone who is trying to get rid of their Disney Vacation Club points because they are going to expire and talked them down to doing $9pp, which is awesome. I've never done this before so naturally I'm nervous and hesitant... I had the lady call me so we could speak over the phone, etc.
She said she trusts me and has no problem making the reservation before I even give her money and sending me the confirmation number, etc, which I can look up through Disney. She said she also trusts me enough for me to just mail her a check... but is it safer if I pay her through a credit card through paypal? Originally she had said money order but I'm definitely not doing that, that's just not an option.
I guess I'm asking what is the safest way for me to pay her should something go wrong and I need to try to fight for my money back? And by something go wrong I mean we get there and not have a reservation or something... So what do you guys think is the best way? Check or Paypal?
Re: Advice Please :)
BFP on Jan. 18; EDD Oct. 1
Do not send her a personal check. Ever.
Paypal at least has a way that you can contact the company/file a complaint/possibly get a refund if anything does go wrong.
If it were me doing this I would have her make the reservation using her points (I don't have any idea how DVP work so I'm kinda talkin out of my a$$ here). Call and make sure the reservation is in your name and ask them for security purposes if you can change the reservation number (or request a room change or something different so that she can't know exactly what the reservation is anymore) and then pay her. Is it actually allowed through Disney to sell your points? If so, just explain to them that you are doing it for security purposes. If not, I don't know what to do...
I don't know much about Paypal, but this sounds right to me. If you give her your personal check she has your name, address, routing numbers, etc. Not a good idea. Paypal sounds like a good way to go here. And congrats on finding a place!
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I thought money orders didn't provide any security should something happen and I need to fight for my money back? I thought if I did a check I could fight with the bank on it or something and then if I did paypal I could fight with them on getting my money back OR with the credit card company?
I was thinking if I did a money order I had no real "proof" of payment because it's just giving cash??
OH... so I also had another interesting thought.. because I don't think she has paypal. If I pushed it I'm sure she would, but she is already giving me an AMAZING deal on this I would feel bad because I know about the fee... I agree that checks give too much info away. She already has my addy because it needed to be on the reservation and match my license for check in, but having my acct number isn't something I really care for her to have... I do have a "second" bank account I keep for these situations where I put money into it and then give a check, but I'd rather not give that either...
But I had another thought... what if I sent her one of those CREDIT CARD CHECKS I get in the mail.... she gets the check... the account number isn't my personal bank account number, AND that way it is like paying with a credit card so I could fight the charge should something go wrong? Thoughts?
{headdesk}
this is about the stupidest thing anyone could ever do. you never fills those out. they come tagged with crazy high interest rates. shred them when you get them.
MO's are exactly like giving cash. if you want to know if you have any recourse should the deal go badly, then talk to the bank first to see what they have to say about it and what can be done. from experience, it takes a massive amount of effort to deal with paypal and disputing things. i've tried. i paid our vendors through paypal and paid one of them with the wrong account. i ended up just leaving it as is because it just was not an easy process.
if you are giving her over 3k you can get a certified check, which is tracked with banks (for security purposes). if there is any more recourse on a CC than a MO...i don't know.
at some point you are going to have to assume a certain amount of risk and see what happens. if you aren't comfortable doing that, then you might want to reconsider going through with this purchase. there is a certain amount of risk on both ends. you are not the only one worrying that she is going to bail on the deal. in fact, if i were the seller, i would be more concerned that i have just made a reservation with my points under someone else's name, whose check may or may not clear the bank (or however you choose to pay). so you're not the only one that has to worry about being scammed. trust me, the seller is worrying about the same thing.
ME EITHER.
I'm fairly certain you can get a cashier's check for less than $3,000. We just refinanced and that's what we did for closing costs - which were much less than $3,000. I'd go that route - it's essentially a money order, but it's through your bank which should make it easier to fight, should something go wrong. And call your bank - they might have a much better idea!
January 2, 2010
EDD October 10, 2013
I've never heard of a credit card check... that sounds weird. My H used to pay our rent with checks from our online banking. He would log onto our account on the bank's website, write a check, then the bank would print and mail that to our landlord (we didn't think we needed a checkbook at the time but have since gotten one). It's not like that is it? But these were through the bank, not through a credit card company...
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no, she means the blank checks that come in the mail from the credit card companies. you're talking about billpayer through the bank.
when i worked at the bank MO's were for 3k or less, C checks were for 3k or more. there is no real difference, except that the CC the bank types in who the check is made out to. the MO's are left blank for the purchaser to fill in who to make it out to. maybe each bank is different though.
either way-my opinion remains the same. at some point, you have to take some risk. if you aren't comfortable with that, then don't proceed. i'm not sure what you thought was going to happen, payment wise, when tracking someone down to purchase disney points off of..ya know? i'd be more worried as the seller that the purchaser is about to scam me. but that's just me. i always use paypal when i sell items online myself, it's convenient so i don't mind eating the fees.