I made a payment via PayPal Friends & Family the other day using my PayPal balance + Santander balance, and it was unfortunately a scam since the seller disappeared on me. I know it’s pretty common to get fleeced through F&F but I’ve successfully avoided it until today. Blah blah blah unsafe don’t take the risk aside, obviously PayPal doesn’t offer buyer protection but I’ve called up Santander and they said you could do file a direct debit indemnity form or something like that, which I’ve done. The amount is peanuts, just £15 (£4 through Santander) but it’s still annoying.
I was wondering if Monzo offers any sort of protection/ way to raise a claim with PayPal like this? I understand if you use a credit card you get protected/ refunded asap but this isn’t the case with a debit card unless it was an unauthorised transaction, so I was wondering if they do things like direct debit indemnity on here too.