First off, I have to thank all of you for the advice - it's fantatic that someone can come here and get this much help! I would like to follow this initially, how do I start this course of action? Is there a procedure?

Thank you for moving this to the appropriate forum Depending on if it's paypal (£440) or NCO (£624) - I have no idea how much CRS will demand!

Thank you, is there an example letter that I should write or should I just let rip?

My late mother's 2nd husband rang me tonight, he's been getting telephone calls from CRS 01422431020 leaving him messages for me to get in contact with them for a month now. I have never lived at his address. I have no idea how they got his telephone number. He has suffered from severe depression since my mother died 5 years ago and I am furious at whoever has started harassing him The only clue I have is a reference number they gave him WESCNW which makes me think this has been instigated by Wescot Credit (the original DCA that were chasing me for the money Paypal lost http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/189247-nco-paypal.html and NCO/ P Brown are now trying to get from me. Any advice (apart from paying out money for goods I never received!!)

This wasn't an ebay purchase, the phone website offered payment through Paypal and as it was under the £500 (at the time) I thought everything would be covered. How would I ever know how much Paypal recovered from the phone company, already and in the future? Here is Paypal's last email to me... A review of your PayPal account registered under email address ****************, shows that on 26 October 2007 you sent a payment in the amount of $955.00 USD to **********, ****************** (transaction ID *************). On 6 December 2007 you filed a dispute citing Non receipt of goods, case PP***********. On 7 December 2008 you decided to escalate this dispute to a claim. At this point you were advised that by ending communication with the seller, you were asking PayPal to investigate the case and decide the outcome in accordance with the terms of PayPal’s User Agreement. In the course of our investigation, the seller failed to respond with proof of a refund to you or proof of shipment for the merchandise involved in this transaction. As such, this claim was closed in your favour on 18 December 2007 and you were credited with a refund in the amount of $96.55 USD, according to the PayPal Buyer Protection Programme which was offered for this item. On 23 January 2008 the instant transfer failed as you had filed an indemnity claim with your bank, as such your PayPal account showed a negative balance in the same amount of the payment you had sent to Mr. Hutcheson. Please be advised Mr. Owen that when you file an indemnity claim your bank take back the money from PayPal, this is the reason why your account is negative. Please be advised that your PayPal account shows an outstanding balance in the amount of -$904.44 USD which is due to PayPal. I apologise for any inconvenience caused regarding this matter and, although we deeply regret the negative experience you have had, we reaffirm that all actions have been taken in accordance with our User Agreements. In order to use the PayPal service, each user must accept and agree to the terms of the online User Agreement (including the policy statements incorporated therein). Subsequent to registration, the PayPal User Agreement is accessible via the User Agreement link located on every page of the PayPal website. The terms of the PayPal User Agreement apply and legally bind each user every time they use the PayPal service. When you opened your PayPal account on 26 February 2002, you were required to tick a box accepting the PayPal User Agreement. Portions of the PayPal User Agreement specific to your complaint include the following: User Agreement 1.1 PayPal is only a Payment Service Provider.] 10.2 Actions by PayPal. 13.1 Buyer Protection Programmes. 13.13 Buyer Complaint Policy Benefits. Conclusion Please be advised that this is our final response on this matter. However, should you have any further questions or concerns you can contact me directly at [email protected]. You might also like to note that if you are not satisfied with our response, you can refer this matter to the UK Financial Ombudsman Service (“FOS”) within the next six months; see section 14.2 of our User Agreement. Or you can also refer this matter in writing to our regulator at the following postal address: Commission de Surveillance du Secteur Financier (CSSF) 110, Route d’Arlon L-2991 Luxembourg Sincerely, Francesca Palazzolo Executive Escalations PayPal, an eBay Company

The selling price was definately in US dollars. Paypal stated that the £40 recovered was all they could get. I sent a cheque to Paypal (which they cashed) for the amount they recovered when my bank refunded me. Surely Paypal should be chasing the vendor for the money, not me? Why would my bank have refunded me my money if I wasn't entitled to it?

Hello all, I found this site googling NCO and read the 20 pages of other peoples hassle with them - so I think you may be in a good positon to offer some advice! I bought a phone from a company in Australia and paid them US$995 via Paypal that was set up as the default payment on their website. The phone never arrived. I filed a non-arrival of goods with Paypal which they upheld and refunded me £40. !!!! I rang my bank (Abbey) and told them what had happened, they informed me that I was covered by the Direct Debit regulations and credited my account for the full amount. Paypal got shirty and started demanding their money back. They set Wescot on me who did the 4 phone calls a day job on me + letters. I wrote to them and Paypal about harassing phone calls and eventually they gave up. However, Paypal continued to insist that I owed them money for goods I didn't receive as they HAD refunded me all the money they could recover from the phone company and that according to their T&C I was liable. I received a letter from NCO yesterday (13th March) dated 5th March (postal service must be getting slow in the UK!) stating ~payment of £624.66 is required within 7 days~ What am I meant to do about this?? To say that I feel disgruntled about paying over £600 for a phone I never saw would be an understatement