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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Negative PayPal balance for over 60 days! What to do?


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Hello there.

 

So it's been a long time after someone scammed me over a deal and PayPal refused to listen. The [EDIT] won the claim and I lost both my item and the money.

PayPal left me with a -$768 balance and has been sending me e-mails to resolve the balance, but I haven't. I thought it would be fine just letting it be that way because I meant it was unfair for me to pay back something that's actually mine.

 

 

 

Now recently the email changed to this:

 

 

Your PayPal account has been negative for 60 days or more. To avoid further collection remedies, please add funds to your account and bring the balance to at least zero.

 

Your PayPal account may be limited or locked if you do not add funds to your account. You will not have access to your account if it is limited or locked.

 

To add funds to your account:

1. Log in to your PayPal account.

2. Click "Restore Your Balance".

3. Follow the instructions to transfer funds to your PayPal account in at least the amount of your negative balance.

You can add funds using a check or money order.

 

Make your check or money order payable to PayPal, and send it to:

PayPal P.O. Box 45950 Omaha, NE 68145-0950

 

Please include the email address associated with your PayPal account in the memo area and allow ten business days for the funds to be posted to your PayPal account.

 

If the outstanding balance is not resolved, additional collection remedies may be used to bring this account current.

 

 

 

 

So it's kinda stupid, my situation. It's my mothers card that's connected to the PayPal, and she's been letting me use it as long as I ask her first. Will anything happen with her credit card or something, a bad credit card history or something? I read around to see if I could get any answers, but didn't get it clear. If I resolve the balance, will it all be fine? I'd rather pay that price to avoid my mom having a 7 year bad history on her credit card, from something that I've(the [EDIT], actually) have caused.

 

 

Please help me with an answer ASAP.

 

 

 

Should I resolve/pay back, or is it fine by letting it be negative?

I live in Europe, btw. Any chance I can get any collection parties sent on me?

 

 

Early thanks!

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Is the paypal account in her name or yours?

 

The next step is paypal will pass the balance onto their debt collection monkeys (either NCO or Interum Justitia in my experience) and they will pursue whoever the paypal account is registered to

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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You say [EDIT] ? what was the [problem] over. Me, i would contact the police if you can show it was a fraudulant act.

 

If it is NCO dont bother with phone call to them, as you will get nowhere with that lot, just send them a letter saying you dispute the amount.

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Technically you are already in breach of PayPal's terms and conditions. Are you using your mums card because you are not old enough to have your own? (Under 18 years). The trouble here is that it is PayPal's ball, and if you make errors you pay the price if a [problem] has taken place. If the buyer hasn't got his goods (or claims not to), then you need to prove he received it - did you insure the package and/or require the buyer to sign for your property. If you didn't - it's tough luck, but you still are in a no-win situation. If under age, you could reject their claim, but then your mum becomes complicit by loaning her card and she therefore carries the can. Naturally, you'll be barred from PayPal for being under age.

 

At the end of the day, PayPal will pursue your household for the repayment of the funds owed which will involve debt collectors and possibly legal action.

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I'm under 18 years old, yes.

 

And what I was selling was a game account to an online game. I tried to win the claim through PayPal but they didn't listen to me and just let the [EDIT] win. I don't have enough solid proof to prove the [EDIT]. All I had was a name, e-mail address and previous [EDIT] records connected to his e-mail and name(looked up on google, he's done it before).

 

 

Please help me out. CAN I PAY BACK THE RESOLVE NOW AND NOTHING WILL HAPPEN? Because I don't have enough proof, I don't believe there's a chance for me to just tell someone it was a [problem] although I'm serious about it being a [problem]. The [EDIT] got the online account that was worth a lot(1st post) and he didn't spend a cent on it.

 

 

Will it be alright if I pay back the resolve? It's easier to do that, talk it out with my mom than having her encounter any trouble.

 

 

The PayPal's under my name, not my mothers.

 

 

Edit: And if only solution is to pay the resolve, how much time will I have?

Edited by Eddddd
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Because you were not selling a tangible product, PayPal is not ideal when it comes to protecting you, as you discovered. As long as you clear the debit amount, you'll be fine. You simply credit your account so that it has a zero balance and that will be an end to it. Do remember, that because you are effectively under age they should not be able to enforce payments, but because you were complicit in telling them you were over 18 (and provided a CC) there's not a lot to be gained by this.

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