%e6%82%a8%e5%8f%af%e4%bb%a5%e5%9c%a8%e8%b3%bc%e8%b2%b7%e5%be%8c 180 個日曆日內提出爭議。</p>\r\n<p>Conditions to file a dispute:</p>\r\n<ul>\r\n<li>最簡單的情況是您從網上商店訂購但尚未到達。在這種情況下，PayPal 是這麼說的：&ldquo;如果您的訂單從未出現，並且賣家無法提供發貨或交貨證明，您將獲得全額退款。就這麼簡單。&rdquo;</li>\r\n<li>詐騙者向您發送了完全不同的物品。例如，您訂購了 PlayStation 4，但只收到了一個 Playstation 控制器。</li>\r\n<li>產品頁面上的商品狀況被扭曲。這可能是因為該商品被稱為全新商品，但有明顯的使用痕跡。</li>\r\n<li>該物品缺少零件或功能，但未透露這一點。例如，您購買的架子包括用於組裝的所有螺絲，但到達時，這些螺絲不包括在內。</li>\r\n<li>您收到的商品是作為正品出售的仿冒品。</li>\r\n</ul>\r\n<h2>Credit Card 或者 Debit Card</h2>\r\n<p>如果您透過信用卡或金融卡向線上商店付款，最好的方法是透過您的卡片銀行檢查他們是否有「有爭議的交易」部分或提及「退款」流程。這個過程可能相當複雜&mdash;&mdash;Chargebacks911 的這張資訊圖表完美地證明了這一點。</p>\r\n<p>&nbsp;</p>"}},{"_template":"Articles\\Button","_identifier":"block-193258","data":{"text":"Download the ScamAdviser app. Beat every scam","link":"https://www.scamadviser.com/download-browser-extension-app"}},{"_template":"Articles\\ImageFull","_identifier":"block-256","data":{"image":"https://whitelabel-manager-production.ams3.digitaloceanspaces.com/thumbs/5cd4283ff316fd87779f3fbe2c8b4d21def25216d42fe.png_900x.png"}},{"_template":"Articles\\Text","_identifier":"block-258","data":{"text":"<p>但到底什麼是退款？ Money Saving Expert <a href=https://www.scamadviser.com/"https://www.moneysavingexpert.com/shopping/visa-mastercard-chargeback//">指出，當您在網上購買商品並且商品/服務有以下情況時，退款非常有用：有缺陷、未提供、由於公司破產而未交付給您。您的銀行將直接前往商家銀行將金額退還至您的帳戶（如果索賠有效）。您必須要求退款的期限是自您付款或註意到問題之日起 120 天。</p>\r\n<p>對於來自英國的人來說，您有一個朋友了解《1974 年消費者信貸法》第 75 條。這對你來說意味著什麼？好吧，這項保護意味著，如果您支付了 100 至 30,000 英鎊之間的更多費用，如果您沒有收到訂購的商品或商品未收到應有的商品，您可以退款。這與退款之間的區別在於，這不是卡片提供者的自願計劃。這些保護已寫入法律。</p>\r\n<p>Scamadviser 認為這種保護對消費者來說非常有用，因為它還可以保護用戶免受那些讓您失望然後破產的公司的侵害。</p>\r\n<p>注意：使用信用卡付款時請注意不要使用PayPal等第三方。這可能會使您根據第 75 條提出的索賠權利無效。</p>\r\n<h2>Bank Transfer</h2>\r\n<p>Which.co.uk 對於透過銀行轉帳取回資金有以下規定： 當您成為詐騙受害者並導致您將資金轉移到另一家銀行時，您應該立即聯絡您的銀行。一旦收到通知，他們可以嘗試收回資金。如果不成功，您可以向銀行投訴或聯絡當地的金融監察員。此外，Which.co.uk 指出，聯繫當局並掌握案件編號可以幫助完成此過程。</p>\r\n<h2>Wire Transfer Service</h2>\r\n<p>小心使用匯款服務。 Which.co.uk 指出，使用 MoneyGram、Pay Point 或西聯匯款（詐騙者最喜歡的）等服務可能會讓你很難拿回錢。這裡最好的建議是，如果您對交易不確定，請不要選擇這種付款方式。</p>\r\n<h2>Unauthorised Mystery Payment</h2>\r\n<p>您是否正在查看包含奇怪購買的財務報表？也許是您不記得的公司扣除的金額？您並不孤單，這可能是未經授權的提款。如果是這種情況，請盡快聯絡您的銀行。根據您居住的地方，可能會有適當的法規來保護您並可能提供退款。</p>\r\n<h2>Google Pay</h2>\r\n<p>您認為有人未經您的許可使用了您的 Google Pay 帳戶嗎？也許您記不起一筆奇怪的付款。好吧，別擔心！ Google 設有爭議系統來協助您解決問題。請前往此處詳細了解如果您想提出爭議、報告或取消付款該怎麼辦。</p>\r\n<h2>Bitcoin (and other cryptocurrencies)</h2>\r\n<p>遺憾的是，加密貨幣交易無法追蹤和逆轉，這使得恢復它們成為一項巨大的挑戰。在大多數情況下，恢復加密貨幣幾乎沒有希望。您可以嘗試聯繫進行比特幣交易的公司並提出退款申請。然後由公司決定是否可以根據其政策向您退款。</p>\r\n<p>小心假冒的&ldquo;追償代理&rdquo;<a href=https://www.scamadviser.com/"https://www.scamadviser.com/articles/can-cryptocurrency-be-recovered-from-scammers/">，他們聲稱在追回加密貨幣資金方面擁有專業知識和高成功率。閱讀我們的文章&ldquo;加密貨幣可以從騙子手中恢復嗎？&rdquo;了解為什麼這些可能是騙局。

/r/n

&nbsp;

/r/n

有關如何向支付提供者尋求退款的更詳細指南，請訪問我們的頁面如何從詐騙中取回退款

/r/n

要了解有關如何進行更安全的在線支付的更多信息，/n <img src=https://www.scamadviser.com/"/" class=\"image__fluid\">\n </a>\n </div>\n </div>\n</div>","buttonText":"閱讀更多","renderAsInertiaLink":false},{"id":1475,"title":"Data Breach Victim? Your Emergency Action Plan Starts Now","url":"https://www.scamadviser.com/tc/articles/data-breach-victim-your-emergency-action-plan-starts-now","excerpt":"How to Protect Yourself and Your Family After a Data Breach\r\nWhen Your Data Falls Into the Wrong Hands\r\nJust received that terrifying notification? Or perhaps you've noticed suspicious activity in your accounts? Take a deep breath. A data breach, the unauthorized access or exposure of sensitive, protected, or confidential data, is a deeply unsettling event. It can plunge you into a world of worry, bringing risks from financial losses and identity theft to significant emotional distress and reputational damage.\r\nThe numbers don't lie: according to a 2024 report, the number of data breach victim notices has grown by a staggering 211% year-over-year. This isn't just a distant threat; it's a stark reality many individuals face. This year alone, we've seen major organizations like Adidas and Qantas grapple with high-profile data breaches, affecting countless customers. This underscores a critical truth: nobody is untouchable. Subsequently, strategic action is the only way to minimize the risk and protect your future.\r\nThis guide is your emergency action plan, designed to walk you through every crucial step—from confirming the breach to fortifying your digital life for the long term.\r\nPart 1: Confirming the Breach and Understanding the Damage\r\nThe very first step is to answer the question definitively: Was my data compromised, and if so, how badly?\r\nStart with the basics:\r\n\r\nCheck Official NotificationsReputable companies are legally obligated to inform you if your data was part of a breach. Look for official emails, letters, or public announcements.\r\nCheck Verified Breach DatabasesPlatforms like HaveIBeenPwned help you see if","buttonText":"閱讀更多","renderAsInertiaLink":false}]}}],"meta":{"title":"如何從騙子那裡拿回錢？","description":"最糟糕的情況已經發生了 - 您意識到您點擊訂單按鈕的速度太快，而您使用的網站是一個騙局 - 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