Hello,

I am a new user here, writing to get advice on a Paypal Dispute of £700

This is how it went to westcot DCA (timeline);

1. It starts with me sending an iPhone to someone via Paypal.

2. I take out the money (£700) in the bank after i receive it and remove bank/card from Paypal

3. after 2 weeks he claims on PayPal that nothing has been received.

3. i didn't track hold of parcel receipts, so dispute case is LOST.

4. Paypal A/C Negative balance £700, received email from PAYPAL to pay in the amount

5. Since i have removed bank and card from paypal, they are unable to charge me.

6. I close the Paypal Account which is prob a wrong move ( it has my phone no. and address)

7. Start to receive phones from Paypal calls, which i have ignored for 2 weeks

8. Recently i received a call and letter from Westcot asking me to call back.

9. An Address verification letter received by Westcot asking to call back and tell if its Address is correct or not.

They haven't mentioned the debt amount but I assume it to be much more than £700 now because of the legal expense of Westcott. I have not spoken to westcot as i read in other forums to not speak to them.

I am scared as i am on a student visa here in UK and aim to work later on in the UK with work visa.

Q. what do you think about Westcot taking action for £700 debt. (court or police)

Q. What should i do actually do? I live in a private student accommodation (8 buildings and 1500 flats) and will change it after 3 months..

Q. Whats the worse westcot or paypal can do? Or should i just pay them back and consider my loss.

Q Can it affect any future visa / gov. related track record of me?

Please HELP!

ignore everything

its a well know sc@m and PP business is set up to deal with it

theres nowt they can do to you as they are in luxy

and no DCA has ANY legal powers

they ARE NOT BAILIFFS.

and its civil debt so cant harm visa nor credit records at all

forget it ever happened

I've moved you to the online forum

100's of like threads here to read.

Do you think they can turn up to my address? to meet in person? or that's not possible because the debt is £700

sorry What does nowt and luxy stand for? @dx100uk

Luxemburg

a dca is NOT A BAILIFF

they have zero legal power

if they do turn up at your door tell them to leave else you'll call police 101

PP have never done court

I'm a little surprised that you sent a £700 iPhone out to a buyer without any tracking number, and failed to even keep a proof of posting slip.

I'm also a little surprised that you immediately removed your bank card after transferring the money out from your PayPal account to your bank account.

It's almost like you were expecting some kind of dispute or chargeback.

This doesn't sit comfortably with me.

If it were possible to do this and end up with Paypal footing the bill, can you not see that this would be a blueprint for a [problem] to get money out of Paypal?

Loads of people would be doing it.

Which is why PayPal do have things in place to pursue debts, Westcot are just the first and cheapest option for PayPal to remind you to reimburse them for the money that you do owe. They will take this further and this won't just go away if you ignore it/move/leave the country and come back.

I'm not trying to scare you, but this is totally your debt and I don't know why you expect Paypal to foot the bill.

PS I work with PayPal so am very familiar with how this goes.

please don't frighten the natives

PP have NEVER done court

and no DCA has ANY legal powers.

I'm not attempting to frighten anybody. I'm not saying that a DCA has any powers, it's the cheapest way to give anyone who owes money a reminder, as I said.

If you think that PayPal just write off sums over a certain amount, you are very much mistaken. . Else all of the naughty people would be sending their iPhones and top dollar items to their chums, removing the money from their accounts and then getting PayPal to foot the bill (which eventually gets passed on to all of the nice guys who don't try and exploit the system).

The scenario being described by the OP, whether it's really happened or just being sounded out, is indicative of a [problem]. Nobody sends out a top dollar iPhone without a tracking number to a complete stranger, then immediately removes their bank card from their PayPal account unless they're expecting a fight with PayPal.

Just out of curiosity have you read anywhere about PayPal taking further action on someone with a negative balance?

Just out of curiosity have you read anywhere about PayPal taking further action on someone with a negative balance?

I am aware that PayPal have and will take action to recoup a negative balance. They don't just write it off, they have a specialist team to pursue a debt if it's over a certain amount. I'm not sure why any responder here would think that it's just written off. If it could be, as I've already said, loads of people would be doing exactly what the OP has done here. It's considered to be fraud.

PP don't do court, and as that's really the only course of legal action they can take to recover any funds, anything else is just willy waving.

Can Westcot or Paypal apply for a county court judgment (CCJ)? or they have never done that?

Can Westcot or Paypal apply for a county court judgment (CCJ)? or they have never done that?

Wetcloths can't no, not unless they own the debt, PP can yes, but won't.

Paypal would have problems answering certain questions in court. Some years back they used to use Intrum Justicia to try and enfoce their debts so using Wetcloths is a big step down and that shows how serious they are about things

Update #1:

A) I called PayPal trying to fetch more information on the debt.

seems they are willing to only take full payment to resolve it (and notify westcot that its solved for them to stop mailing/calling me). They are not negotiating or setting payment plans and said for that, i have to contact the dca.

*Please correct me if i am wrong, I think this means that PayPal still Has NOT sold the debt to Westcot and have only hired for collection purposes.

B) Since paypal's account was closed. their last email was 1.5 months ago. prob. not using mail as communication?

C) Called Westcot regarding Address verification letter (received 4 days ago) to tell them that the address they have is wrong (didnt disclose name) [did this because its a student apartment changes tenant every few months, i am not the owner of it]

also because, if they keep sending obnoxious letters and i move in 1 month would be irritating for whosoever person coming next.

i am still confused, should i be strong and not discuss? wait for their emails and ignore?

how should i proceed with it?

you are confuded because you havent read any other material on Westcot or dca's and you have not taken on board what has already been said about this here.

Wetcloths as a dca have no interest in this or any other matter so cant do anything other than send out begging letters, they dont own the debt

As for emails, block them, likewise any phone calls.

Paypal could have done a lot to recover their money if they thought tht fraud was involved but they chose not to. they never do and as a worldwide provider they dont always have the law on their side when it comes to the contract they use to offer their service.

mind you, your actions where you state you removed your card and bank details from your paypal account look like you were expecting trouble before your phone had been given time to arrive.

I dont think many people are naive enough to send a £700 phone through the post without using a signed service so some may think that the item wasnt received because it wasnt sent as paypal have done