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    • Yep, I agree with what you are saying, I only mentioned the governing body code of practice as a nod to the fact that I wasn't dismissing the BPA or whoever out of hand, thought that would go in my favour before a judge. I wrote a long post about the BPA CoP earlier but then deleted it because I realised I wasn't talking about points of law but a set of guidelines drawn up by one bunch of charlatans for another bunch of charlatans. It is ludicrous that the 5 minute consideration period doesn't apply if the motorist parks, such nonsense. As for legislation, I was referring to the government legislation (if it is legislation?) document which has been withdrawn. Does that stand until it has been reintroduced? In the explanatory document it is quite clear. Otherwise, how does one hold them to the consideration and grace periods? Or is that at the discretion of the judge?
    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
    • Are you saying that both businesses were closed? Yet you stayed there for over two hours. . If both were closed than to charge £100 is a penalty since Horizon had no legitimate interest in keeping spaces clear for the company. sake as there were no customers..
    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
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A few days ago I completed a few transaction over LocalBitcoins.com to a buyer named Muumbis (currently blocked) who seemed to be a trusted user, had good feedback and 2 months of multiple transactions. The buyer sent me the funds through a PayPal transfer, and then I proceeded to send/release the bitcoins to his account once the money hit my account. These transactions were very profitable to me, amounting to about 40% of profit over the then exchange price of bitcoin.

 

Only after 6 PayPal transactions amounting to a total of around £11000, I noticed that the person’s details included in the PayPal account used to forward all these payments differed greatly from the personal information of this LocalBitcoins.com user.

 

For comparison sake, the owner of the PayPal account is a Canadian, while this person seems to be based in Netherlands (Proxy, likely) and has a verified phone number from Kenya, as well as, beginning of a different gender.

 

As of now PayPal as yet to contact me about any irregularities in these transactions and I made sure I transferred all my PayPal balance to my savings account. However I’m confident I got [problem]med and it’s just a matter of time until these payments are flagged as unauthorized transactions and the owner of the PayPal account files a chargeback against me leaving me empty of bitcoins and about 5000£ of negative PayPal balance, which I have no means to payback as I’m student and I already have some debt going.

 

Summary, I sold some bitcoins at 40-50% in profit to a guy who used a hijacked PayPal account to pay me. It’s just a matter of time until the victim of the hijacked account files a PayPal unauthorised transaction/ chargeback against me. PayPal then reverses the transaction and the [problem]mer gets the bitcoins while I’m left to pay around 5000£ of debt due to the profit margin.

 

I’m divested by this, as I’m a victim too just like the affect PayPal account owner, plus I have no means to payback if these transactions are found to be unauthorized.

 

Perhaps, in the end, all I could do is payback the some of the money to the victim excluding the profit/debt margin that was employed in this [problem].

 

God, I can’t believe a fell for it, I’m aware of this sort of thing yet due to my own stupidity or being a student with no income I just went for it….Never felt so dumb.

 

I know I’m making assumptions on what if…however, I just need to a little guidance on what to do next or who to turn to, basically a course of action to reduce all the possible damage.

 

Thank you all

Edited by DragonFly1967
Added some paragraphs & spacing. Content unchanged.
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Simply ignore PayPal

Remove all bank details

There is nothing they can do to you

They are in Luxy

With no legal powers here at all

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Threads merged and tidied

 

Please read post 2

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I see I haven't been able to remove my bank account details will they be able to withdraw any owed money without my consent.

 

Shall open a new bank account and close the one affected?

 

Is there anything else I can do,

what about the debt collectors?

Shall inform the authorities of fraud.

I just don't want my credit to be affected.

Edited by dx100uk
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I see I haven't been able to remove my bank account details will they be able to withdraw any owed money without my consent.

 

They can certainly try. I have more than one account. Paypal has the details for one, but it is kept at a balance of £0.01 unless I know that I've paid for something via PayPal and then that exact amount get's transferred in to the account.

 

Shall open a new bank account and close the one affected?

 

There's nothing to stop you doing this, but you don't have to close the account you have, just leave it with a small balance as I do.

 

Is there anything else I can do, what about the debt collectors?

 

If it comes to it, you'll get nasty letters from their pet Debt Collectors threatening all sorts of woes, but if you read it carefully it will contain a whole lot of "recommend, if, may, might, could" they'll never tell you that they will do something, apart from maybe "we will recommend" :lol: Letters from DCA's can (and should) be ignored completely.

 

Shall inform the authorities of fraud.

 

Based on what? All you have at the moment is a hunch.

 

I just don't want my credit to be affected.

 

It won't be.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Thank you, I'm looking at this situation a little more optimistically now, I will follow those steps and make sure I keep the funds safe. I also got family members who use PayPal,l is any changes they might get done for it?

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Thank you, I'm looking at this situation a little more optimistically now, I will follow those steps and make sure I keep the funds safe. I also got family members who use PayPal,l is any changes they might get done for it?

 

Nope. As long as it's a different email address. That's the really crazy part. If you had access to multiple email addresses and bank accounts, you can create as many Paypal accounts as you like. No one (at PayPal) seems to actually 'check' anything. :|

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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As long as you remove the cards from my account on pp they can't do anything more

Then pop to your bank portal and remove the direct debit

Job done.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thank you, it's funny how useless PayPal is protecting their users.

Like I said if these are unauthorized payments its been 2 weeks and they still haven't caught on.

I will keep you guys updated.

 

if everything goes the way I see it going, meaning a negative balance, I will try to reason with them and offer to pay whatever I owe excluding my losses, if they are comparative enough I will settle that part of the balance otherwise I will stay put and ignore whatever they throw at me.

Thank you for all the help.

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Umm, hang on.

 

Be it bitcoin or widgets...

 

A has purchased from you and you have supplied the 'goods'.

A has paid you and you have received, transferred and banked the money.

B (Paypal) have processed the payments and transfers to your account.

 

You now think that A has used a Paypal account that belongs to C (an unknown person).

 

Here's the way I see this.

 

Any fraud on C's Paypal account is between A, B & C and is of no concern of yours. As long as you've acted in good faith & legally then you have nothing to worry about as regards the law.

 

So, assuming that you have acted in good faith (I have absolutely no reason to suspect otherwise) and supplied the items purchased by A which as far as you were concerned was a legitimate transaction. B have processed payments & transfers and therefore don't feel that there is any issue.

 

I wouldn't be paying Paypal a penny.

 

Get a new bank account and a new email address. Cancel the Paypal direct debit on your existing bank account and remove anything you can from your actual Paypal account. Let Paypal whistle.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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you don't pay anyone anything!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, that's right DragonFly1967, even tho I'm not directly involved I can not stop feeling for the other person.

 

Would it be too early to report it to action fraud, as of now this is all speculatory.

 

What would reporting it to the action fraud entail, freezing of my bank account possibly?

 

Would they also side with PayPal and make refund some of the funds?

Edited by dx100uk
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no.

actionfraud is simply a fraud reporting portal

i'm sure where you are reading that anyone let alone PP can freeze anyones bank accounts:!:

they are in luty and have zero legal powers

and neither can any uk based DCA [who are NOT BAILIFFS and never can be!]

nor tame/fake solicitors.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I shall do that as soon as possible, also can someone explain in layman's terms, why would I not be charged back if someone fires an unauthorized payment? As per their policy, they don't protect a seller who is selling virtual Items I believe.

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what do you mean by charge back?

no such thing

 

there is chargeback whereby a consumer can get a bank payment back

but it cant ever work the otherway around.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

PayPal may well do whatever it is they do and put your account into a -ve balance, but ultimately, so what?

 

You've not done anything wrong and if you've got another bank and PayPal account then it's not really going to make any difference to you.

 

If you do nothing and just pay up, you'll be left as the only victim of a fraud that has only happened because PayPal haven't picked up on the fact that someone else's account has been compromised, and how can that be your fault?

 

And we're still only assuming that there's been some kind of fraud in the first place.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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bit silly really too as there is stuff all they can do.

 

they took the decision to got to luxy to avoid paying taxes etc the gamble was it opened themselves up to this type of fraud.

which ultimately come out of their profit pocket

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thank you for everyone's replies, I shall keep you guys updated. I will report it to action fraud once I have collected enough evidence of these transactions to support my suspicion of fraud.

Meanwhile, I have

Removed any direct debits from PayPal through online banking.

Removed my credit card from Paypal, and ordered a new one.

Collecting evidence that I had no intentions of wrongdoing and report it to action fraud once the reversible payments hit or do it right away after I finish collecting evidence.

Reported the user to Localbicoins.

 

Still to do

This week I'm going to my bank and ask them to block any transactions from PayPal officially.

I don't seem to be able to remove my linked bank account from PayPal, keeps telling there are pending transactions keeping me from doing so, which is simply not true as all the withdrawal funds have hit my bank account. Will call them now and ask them to remove it.

Potentially getting a new bank account and closing the affected one.

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Don't report to actionfraud because no fraud has been committed yet.

If PayPal won't let you remove the bank account, close it.

Instruct the bank in writing not to release any funds to PayPal.

Then forget about it.

The bloke who bought your bitcoins might use a server in Nederland, be a Canadian and have an online phone similar to WhatsApp registered in Zambia so to make free/cheap calls.

Long shot but possible.

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Hence why I haven't contacted the authorities, Payevil won't remove my bank account they keep telling me I have a pending transaction.

 

Tomorrow I'm heading to the bank to make it official.

 

Does anyone know how to do this in writing?

Edited by dx100uk
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Does anyone know how to do this in writing?

 

Dear Bank

 

Close my account with immediate effect.

 

Signed

Account Holder.

 

Would do.

 

 

You might be able to close your account online, you'd have to check your online banking portal. But do make sure that you've got another account to fall back on.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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