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About kingslair38

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  1. Tough one! I was in similar situation, but UKCPS now use"money claim online" to get the courts involved. In a nutshell, I ended up having to pay
  2. Well guys, I've reported to action fraud. Also emailed BBC "watchdog" programme. Any things worth a shot I suppose. Thanks for all your comments guys. Much appreciated
  3. Thanks for all the feedback guys. Does anyone think that I have a case, bearing in mind it is a blatant [problem]! I submitted all evidence requested, and the reason given by paypal was was "unauthorised use" which indicates fraud from the buyers end? Don't know what else to do? Really need to try retrieve these funds. Any thoughts appreciated. Thanks
  4. Hi. Thanks for quick reply. Yes they took £759 out of my paypal account, which was funds that that I was awaiting for a refund, from item I bought online (not from ebay) I always thought paypal was the safest way to buy/pay online, as no card details is given (in my naivety) they just took my hard earned money, without haste, and ruined mine and my sons Christmas. I also have sick child, who at the moment is receiving chemotherapy, and I explained to paypal that theses funds are for clothing/presents for him, but I was astounded at how little they were willing to get a
  5. New to site, but im desperate for help.* I sold a brand new iphone 7 on 02/12/16. Buyer paid through paypal straight away, no problem. I withdrew funds to my bank account,* and got item ready for dispatch. Received follow on email from buyer stating that they forgot to update their details, and could i send to their alternative address? I said ok, as it wasnt initially suspicious as they had already paid, and it is something ive requested myself in the past, when i bought tyres for my car, but asked for them to be delivered to my local for fitting. sent phone to address
  6. hi mould hope your doing ok. the funny thing is after receiving your post, i got a letter off a company called "hamptons legal", who are acting on behalf of lowell portfolio 1, who after removing the default, have passed it to the said company. the letter was asking me to pay this "phantom" debt of £130 pounds before they "inform the credit reference agencies". i know its nonsense, after all that you have told me, but your thoughts on this matter would be greatly appreciated. as always thanks for the help kind regards kingslair
  7. UPDATE! received email off equifax today (12/03/10) saying that as a result of not hearing anything off lowell portfolio 1 they have removed the default from my credit report! HOORAY!, however they said that this is until they receive a reply from the said company, so im a little confused can anyone explain has been the default been removed permanently ,or will it be put back on when lowell portfolio 1 bother to reply? any advice will be much appreciated, and as always thanks guys in advance.
  8. i will do as you said, and will let you know the outcome. once again many thanks, i am really grateful for your help. i have no credit agreement with lowells, however the only thing i had was a current account with lloyds tsb back in 2003, who charged me a £30 bank charge, which to this day they could not prove to be correct, even when i challenged them my bank statements as evidence to prove they were wrong. lloyds passed this to lowells in early 2006 when the default was three years old, it was only about three weeks ago when i got a copy of my credit report that i no
  9. UPDATE! after asking equifax to investigate this default for me last week, as six years has elapsed and it should have removed and the account is INACTIVE, i received today 23/02/2010 a letter off lowell portfolio 1 that they have bought the debt, and offered me ways to pay, now this is a full FOUR years after taking over the debt, and SEVEN years after the original default (2003). something tells me that they have rushed this letter out after being contacted by equifax, and had NEVER sent me ANY notifaction until today. can anyone please tell
  10. thanks for the advice, i will send them the letter, and will let you know their reply, this is without doubt the most help i have ever had with this matter, and i am truly grateful, thanks guys
  11. thanks, idid not know this and will let you know how i get on. thanks for the info, i really appreciate it.
  12. :(hi, this my first post, but have studied the site for a while for tips and advice so thanks everyone. firstly can anyone tell me can a bank charge, for a late direct debit count as a default?, even if the account had no overdraft? the reason i ask is in 2003 lloyds tsb put a default on my credit report for a bank charge that i have always disputed with them as being incorrect, i argued the point with the bank as the charge came at a time i had more than enough money in my account to cover my direct debits, and had my bank statements to prove it, but they simply
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