Question about payment plans?

So I sold a female banana on auction and before the buyer bid he asked for a payment plan. I agreed to 20% down and 6 weeks to pay off. Well, the deal happened on 9/12/16 and advised if he did not stick to the time frame I would have to report him to the auction site. Then he was hit by a hurricane and I have been understanding for that as he did lose things.....but so far it has been almost 4 weeks past his due date and he has only paid off half of the snake. I messaged him 10 days ago asking him what he wanted to do since it is getting cold and shipping will be an issue soon and he never responded. Just looking for advise for what other breeders would do in this situation.
The last payment was received 11/2/16. Also I see a post today on Facebook saying he is selling his collection due to job loss and I see the female banana on his list saying it has already been sold......
Thank you

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If you know it is true he was hit by a natural event like that and he can no longer take the snake because of loss of employment, house, whatever I don't know Id feel right reporting them to the auction. Depending how bad off the person seems to be I may even give complete or partial refund.

I would send him a couple more emails or PMs and if you don't hear from him in 2 weeks, I would call it a wash and just relist it. I wouldn't report him as you got to keep the 20% down payment. Just consider that room and board plus food for the snake lol. I mean if the poor sob got hit by a hurricane and lost a bunch of stuff and is selling off his collection, he probably has a lot more pressing issues than worrying about the one snake. I'd feel for him if it really happened.

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Originally Posted by jesst

So I sold a female banana on auction and before the buyer bid he asked for a payment plan. I agreed to 20% down and 6 weeks to pay off. Well, the deal happened on 9/12/16 and advised if he did not stick to the time frame I would have to report him to the auction site. Then he was hit by a hurricane and I have been understanding for that as he did lose things.....but so far it has been almost 4 weeks past his due date and he has only paid off half of the snake. I messaged him 10 days ago asking him what he wanted to do since it is getting cold and shipping will be an issue soon and he never responded. Just looking for advise for what other breeders would do in this situation.
The last payment was received 11/2/16. Also I see a post today on Facebook saying he is selling his collection due to job loss and I see the female banana on his list saying it has already been sold......
Thank you

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For me this boils down to communication. It's his responsibility as a buyer and the fact he agreed to a payment plan and it's past the due date which you've been patient with him. Since he never responded and the fact you see a post he made and he still hasn't gotten back to you? I'd report him and wouldn't think twice about it.

Now being if he would of actually replied back to you before making that post, I would of tried to handle it a different way. You had to find out an update through something other than him directly contacting you being he owes you money and that would completely rub me the wrong way. Just keep all the email exchanges and what not so if he tries to bad mouth you as a seller, you can make him eat his words. Just my two cents.

Thank you all for your responses. He was hit with hurricane Matthew when it hit back in October. I don't want to report him, as I would feel bad about it. I'm just concerned about him giving me a negative review. I think I'm also a little shocked he would list her for sale without even having her in his possession.

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Originally Posted by jesst

Thank you all for your responses. He was hit with hurricane Matthew when it hit back in October. I don't want to report him, as I would feel bad about it. I'm just concerned about him giving me a negative review. I think I'm also a little shocked he would list her for sale without even having her in his possession.

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Well several things to take into account.

1.) Lack of communication
2.) Him posting that on facebook without even talking to you prior, especially since he still hasn't contacted you. It's more like he's avoiding you to be honest.
3.) Him listing that animal for sale even though he hasn't paid it off, much less received it.

It would be different if you didn't hear from him and he wasn't on facebook making posts. It could be he may not have access to a phone/computer or whatever, but being he has access and still hasn't gotten with you. I honestly would notify the people that hosted the auction, and I would see about keeping the money as well for boarding and potential sales you may of missed. If the auction people say that's fine then I would just not pursue it further. But the fact of the matter is this whole thing has taken up your time, and caused you potential missed sales.

I agree with Neal. I would simply issue a refund less whatever portion of the payment was agreed to be non-refundable since you have not received a response from the buyer for over a week after the last time you reached out to him.

Also, how do you know that the banana female he "sold" was yours? Could it have been another one from his collection? Did he use your picture to advertise it?

Any unforseen natural disaster is catastrophic. Especially accompanied by loss of life, property, etc. I thought you said he has six weeks to pay the animal off? That means he still has another 2 weeks to really contact you about paying the animal off. I'm of the mindset that the customer is always right until proven otherwise. Regardless of where he centered his other communications we can't just make a assumption that he isn't or doesn't have intentions to contact you. Also you did nothing wrong so i don't see where you should be worried about any negative reviews from him. Listen , give the guy the benefit of the doubt and give him the time that he really still has. Just my views.

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Originally Posted by Albert Clark

I thought you said he has six weeks to pay the animal off? That means he still has another 2 weeks to really contact you about paying the animal off.

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Six weeks from 9/12 was 10/24. The buyer is more than a month behind, has only paid half, and has not responded to the seller's attempts to make contact. If the buyer were still in communication that would be different.

Also the fact that the buyer may have flipped the snake even before receiving it is not the OP's problem.

The purchase was on 9/12/16 and 6 weeks from that would be the end of October. The post says he is selling his whole collection, including a female banana due to loss of job and needing money. I haven't really been bugging him about payment due to his loss of property in the hurricane, I'm just concerned that he is selling a snake he doesn't have possession of and hasn't messaged me back in regards to the cold weather. I messaged him advising him of the cold weather coming and the small window for shipping during Christmas. It wouldn't be so bad if he would just talk to me. I guess any payment plans I have ever done, I always stayed in contact with the seller if there was an issue.

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I think he is way past the due date Albert. Last payment was 11/2/16. The auction was on 9/12/16.

lol We all posted at the same time.

Oh! Ok , I missed the dates. Thanks for the clarification. Then in this case i have to say the verbal/ written agreement concerning the banana female is null and void. Any 20% down payment towards the snake should be the sellers. Totally up to the seller to renegotiate on the basis of the natural disaster. The 20% non refundable deposit was understood correct?

I had a few failed payment plans in the past.

Here is what I have done

I always contact buyers 7 days prior to the due date unless they have been communicating throughou the lenght of the plan.

I contact them the day after the due date to tell them that their payment is overdue and that plan was extended for an additional 2 weeks.

If not paid at the end of the additional two weeks and if the buyer faild to communicate I will send a final email explaining that due to failure to complete the terms of the plan and due to the lack of communication, the transaction is now void. (At that time the animal is re-listed and any payments made minus the non refundable deposit are returned)

The longer the plan the more you run into this type of issue, never had issue with 30 or 60 days plans but I have run into issues with 90 days plans.

Communication is key in payment plans, I am lenient but if I have to hunt you down and you don't communicate .....I won't be as lenient.

Majority of payment plans are successful but every now and than you will run into this, if your buyer has issue (yes it does happen) and if he communicates you can try to work with him, however if he ignores you than go by your terms.

Thank you all. I messaged him and waiting for a reply back.

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So he message me back and I gave him until today to send money and he doesn't have it and I tell him that I will be refunding the money and he keeps telling me to keep it would you guys just send it back the money regardless of him telling me to keep it what would you do

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Originally Posted by jesst

So he message me back and I gave him until today to send money and he doesn't have it and I tell him that I will be refunding the money and he keeps telling me to keep it would you guys just send it back the money regardless of him telling me to keep it what would you do

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I would refund the money minus the non refundable deposit. (If you have such a thing in place)

If he has only made a non refundable deposit than you are entitle to keep it (cost of housing, feeding, loss of sale etc)

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That's what I was going to do he has paid more than the non-refundable deposit but he keeps telling me to keep the other money but I don't feel comfortable and that I'd rather just refund him the money minus the deposit and then call it even

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Originally Posted by jesst

That's what I was going to do he has paid more than the non-refundable deposit but he keeps telling me to keep the other money but I don't feel comfortable and that I'd rather just refund him the money minus the deposit and then call it even

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This is also what I would do. That way he can't claim he paid and you never refunded and never sent anything either.

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Originally Posted by jesst

So he message me back and I gave him until today to send money and he doesn't have it and I tell him that I will be refunding the money and he keeps telling me to keep it would you guys just send it back the money regardless of him telling me to keep it what would you do

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When you do correspond with him and send any monies back make sure to put everything down on paper and try to get him to sign all documentation. Unless of course all payments were done through paypal and then you have a running record of it. Signed documents will fortress your case though. Kudos to you.

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Originally Posted by Albert Clark

When you do correspond with him and send any monies back make sure to put everything down on paper and try to get him to sign all documentation. Unless of course all payments were done through paypal and then you have a running record of it. Signed documents will fortress your case though. Kudos to you.

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Yes I have only used paypal with him and will be refunding the money through paypal with an attached note. Thank you everyone for all of your help.

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I would send him the money back,as well. I would nicely explain to him that I understand he is having a rough time right now. And that you want to refund the money to help out a little. Also kindly explain that you can do business in the future after he gets settled. That way you sound like a real good guy, which will help your rep. In all likely hood you may never here from him again. However you will have done more than your part.

Do you even know what he sold your female banana for? Like did he already take that person's money and their now waiting on a snake that's not coming I would make people aware of that I'd just leave a comment saying hey why have you sold the snake you haven't even paid for yet? Or something like that right on the post your sure to get a reply and if he deletes it and doesn't contact you well that's that

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