Suggestion to Paypal:
Change,Improve the buyer/seller protection policies.
Buyer claims: a limitation per calendar year is not a good choice. There are sellers who never send items and keeps your money. For the buyer, the only way to gain back the money after trying to communicate with buyer, is to do a claim at paypal. As a buyer, the few times I did it, won every case. But the amount of fraudulent sellers were more then expected (almost all 'powersellers' who deliver then suddenly stops, get unregistered and there they vanish - or worse...got registered again at ebay under the same name and does the tricks over and over..unbeleivable. So as I knew from now on, after 'x' claim, I would not be protected, it makes me buy so much less things with paypal (just so you know). Should be an individual investigation, when it's obvuious that seller has frauded more then 50% of recent sales looking at feedback, why should we loose our claim chance (loose 1 claim of that calendar year). If we file a claim (within 45 days) and let's say item shows up, again, the claim should be voided (we would loose again 1 claim per calendar year). Please change these rules.
Seller Porotection: What concerns me more is the seller protection. Boy...buyers frauding is becoming a serious plague. Your 3 rules (so firm - no exception) is insulting.If paypal cannot provide confirmed address for all the countries it takes as a member, right there, you are not protecting us at all. tracking numbers, cost more and asking more on shipping costs, we loose many buyers.
And how can paypal let a member registrating at paypal with his username... obviously, this will not match the credit card name (duh..) . Just to get a chargeback later on. But hey! Paypal is not responsible for chargeback claims and we sellers loose everytime.
Paypal is there on cashing money, favouring the buyers more versus the sellers.
I am becoming very cautious about using paypal. Can't wait for competition unless paypal makes major changes to have fair rules about protecting both buyers and sellers. All that changes were the amount of coverage getting bigger for the buyers...no changes at all for the seller protection which we desperately need right away.