Sent the template letter off to IJ got a letter back apologising and saying the account had been closed. I've now got a letter from EOS for the same debt, are paypal allowed to just keep passing the debt and should I just send the same template to them?

Just had them on the phone, explained why I wasn't paying and the guy just said "O.K. I'll put that on your file". Can I tell them not to call me if they do again? TFT, can you PM me the letters? Thanks

I sold some Amazon vouchers on ebay and was paid via paypal, the vouchers were electronic so once they were paid for I just emailed the code to the buyers. However one of the buyers was a [EDIT] and used chargeback to reclaim the cost, I sent paypal screenshots of the email I sent with the code and of his ebay rating showing that he had done this to lots of people. His card company found in his favour and as I had already been paid and my paypal balance was zero paypal asked me for the £50 back. I refused and have just received a letter from a debt recovery agency called intum justitia for the £50, do I have to pay this?