aburobert
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Everything posted by aburobert
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The second from last posting on the thread highlighted in the previous post may be the most useful bit.
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The contents of this thread may be of interest to you. http://www.consumeractiongroup.co.uk/forum/showthread.php?260099
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House repossessed, proceeds still not received
aburobert replied to Tabbymog's topic in Mortgages and Secured Loans
Having read the unapproved posting I was surprised the OP came to a self help Forum! If you are not prepared to consider advice given here by people freely and unbiased why bother. Even if you do not heed what is posted it very often gives one a different perspective to ones own which has been very helpful to me asking for advice on here. -
All well and good - but you cannot protect people from themselves. The OP admits they ignored one of Paypal's golden rules by sending the item to an address not registered with them. As has already been said if the OP had sent to the registered address they would have been protected against fraud by Paypal. As much as I dislike Paypal I cannot see how they are in the wrong in this particular instance.
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Grumpy is right naming and shaming is not the way to go. But hoping eBay and the police will assist you is probably futile. Just how many dedicated hours would it take to catch the person who swindled you? If you have a few minutes look at the underbelly of the Internet - the so-called 'Dark Web'. Here you will find hundreds of individuals offering hacked eBay, Paypal and credit card accounts for sale as well as every other illegal activity imaginable. But be cautious and use the Tor browser if you do as you are entering dangerous territory here! You are probably dealing with a career criminal who does this for a living. The person who diddled you has probably done this before and, no doubt, will do it again unless he is caught. These people do leave a trail - the goods are delivered and just maybe your character is using the same techniques and address and possibly accounts to do the same to others. This is why you should 'Google' the details you have to see if there is a pattern. On other Forums you may come across rhetorical questions like - has anyone had problems shipping to this address, or with this eBay ID and so on. There are also Forums where the swindlers are swindled like some of the Nigerian and other African cheaters who got their come uppance. You might get help here and so on. If you can provide evidence that does most of the police work for them and proof you are not a 'one off' you are most likely to be successful in catching who did this to you. But you will have to ask yourself if it is worth all the effort as you are very unlikely to get your money or phone back. The latter is probably already in West Africa doing someone new sterling service.
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As the item was sent to an address other than the one on the Paypal transaction then any court action against Paypal is IMHO doomed to failure. Your only means of redress is against the person it was actually sent to. You will need to check the address the item arrived at and see if it was simply an accommodation address or not. Try Googling it. You should have a signature from the delivery and it may be worth checking with the local delivery office to see if there have been problems with the address in the past. A couple of years back I almost got caught in a similar thing selling gold coins on eBay. Something smelled so I managed to get the Liverpool sorting office to block delivery of a special delivery package to an address that turned out to be an empty house with a neighbour signing for packages! Get Googling and find out as much as you can about the delivery address and its location. Also try googling the name of the addressee. If there is a pattern to this the name will pop up on other forums which may assist you further.
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If Paypal already has the money from you as you failed to shift it to your bank account then the money is gone unless you are prepared to sue them through the county court system. If you do this be prepared for a lengthy battle Not saying this is the case but Paypal will 'seize' money from an empty account leaving it with a negative balance and then harass the hell out of you to try and claw it back - if the funds have already been withdrawn. Currently I have one account with a negative balance of over a grand due to a Paypal rogue chargeback. The secret with Paypal is not to have a balance of more than a few pound with them at any one time and ensure you keep a beady eye on all high value transactions. Too late though for the OP if the money was left in the account. It always seems to happen to those who can least afford it and the hassles in sorting it out. Paypal itself does not care one iota about any hardship caused unless its actions result in a public outcry.
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You need to immediately unlink any bank account or credit card from your Paypal account. If you do not Paypal will take funds from either or both to cover the chargeback. I would even take the steps of changing your credit card number (report it lost) and inform your bank in writing that no dipping from your account by Paypal. Then immediately forget that Paypal account as it will be of no further use to you. You will get a wedge of threatening emails initially from Paypal which will die away and contact will flare up again from one of their in house debt collectors - this time threatening letters by mail. You will not be taken to court - Paypal have not yet to my knowledge ever tried using the courts to enforce their terms and conditions. So simply ignore all threats! If having a Paypal account is important to you you will simply have to use a new bank account, a new email address and slightly tinker with your physical address so the Paypal bots do not connect the old and new accounts. For example if you live at 222 Anywhere Road - make it Ground Floor Flat, 222 Anywhere Road. Your name should be a bit different as well. If before you were A. B. Bloggs - becomes Andrew Bernard Bloggs.
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Charge back on a Euro transaction ?
aburobert replied to aburobert's topic in General Consumer Issues
Thanks BazzaS. You have confirmed what I thought. My inquiry was for a friend who seemed convinced a chargeback was possible. As I had never heard of a bank transfer chargeback I thought I would check and make sure. -
Can any knowledgeable Cagger tell me if it is possible to initiate a chargeback on a Euro bank transfer from a UK bank account to one in the Euro zone? This is because of a retail transaction that went pear shaped and the seller is refusing to communicate.
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Proposed opt-out from charity cold-calling
aburobert replied to Michael Browne's topic in General Consumer Issues
I'm partly in favour of this as I already support five charities which I chose to support - not because of being bombarded by sales calls and mail shots - but because I wanted to support their activities as they were close to my heart for personal reasons. What I do not like is the constant barrage of cold calling - though this has tapered off considerably over recent years - the pile of junk that comes unsolicited through my mail box and being accosted constantly on my local high street by people probably on commission doing 'charity' surveys. What makes me a little concerned is the proposed £15,000 being taken from charities to fund this. Surely a better proposal would simply be to fine those that do solicit funds from those that don't want the hassle and publicise the fines? Most fund raisers would soon get the point and stop their hustling activities against those that don't want the hastles. -
PAYPAL holding money for more than 180 days.
aburobert replied to MrMinaj13's topic in Online Stores
Firstly it is your money not Paypal's. The legality of what Paypal does in holding onto peoples' money without their consent has not been tested in a Court yet AFAIK. They are supposed to be a middle man facilitator enabling payment to be made using their service to another for which they take a commission. They have slowly attempted to interfere in transactions about which they know little using a standard catch all formula - which it looks as if you may have fallen foul of. The refunds they make when they suspect (not prove) irregularity are often done without the account holders consent and sometimes even after any dispute has been settled. Trying to get money back in such circumstances is nigh impossible. Find their current registered UK address from the Companies House web site then send them a recorded/signed for letter asking why they are holding on to your money and if they do not have a valid reason for doing so you will issue a claim against them in your local County Court to reclaim what is yours (a letter before action). But do not not do this unless you intend to carry through. Make sure you print off the account details to show where and how your balance was arrived at and how long Paypal has frozen your funds. Paypal, if they run true to form, will probably ignore your letter which means you need to then issue the claim against them. Once they receive the County Court Claim form they will refund your money unless they have good reason not to do so. Paypal do not do court - at least they have not done so so far! It may not go as far as this as Paypal will probably refund long before any of this happens with any luck. It does mean your Paypal account will be closed - but so long as you have a different email address and banking details you can open another account if you wish by slightly tweaking a few other details. -
If it was a 'banned' item why did they carry it? Presumably the carrier was not mislead by wrongly labeled contents? If they knew what they were transporting they can't now state it was not allowed. I think an LBA is in order here claiming for the damage caused whilst in their care. But don't do this unless you intend to carry through - as most courier companies will stand their ground knowing full well the vast majority of claims are never followed through or are dropped at the slightest resistance.
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Parcel2Go lost parcel, will not refund cost of item
aburobert replied to jacktheband's topic in Postal and Delivery Services
Read through this thread which will give you a good idea how to deal with this and how the courier companies tend to respond to such claims. http://www.consumeractiongroup.co.uk/forum/showthread.php?456708-Hermes-Extra-Charges-but-lost-Item I concur with Silverfox that you have a more than 90% likelihood of winning but it very much depends on your determination to carry things through until you win or are satisfied by the compensation given. Do not issue warnings or threats though unless you intend to carry through as these companies rely on most giving up and will think you are pure bluff and bluster. -
Beneficial Bank Credit Card - Vintage claim
aburobert replied to Blofeld69's topic in Payment Protection Insurance (PPI)
This may be of interest to me as well as I had an ancient Beneficial card that defaulted and was sold on but am currently not rocking the boat as I hope it will be statute barred soon. -
The OP is not claiming for loss but for failure to provide the service paid for - therefore the claim is for a refund of monies paid for a service not provided.
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Sorry if this thread is getting a bit long in the tooth! Have you tried Trading Standards? The Post Office were paid to provide a service which they failed to carry out - transporting a package safely to an address in Germany. As they failed in their part of the contract they should refund. I have, in the past, successfully used Trading Standards to get refunds for Recorded Delivery items that were not signed for. My argument being I paid for a signature on delivery. The Post Office tried to argue the item had been delivered which to me was immaterial as I paid extra for the signature which they failed to provide. I got my refunds in the end though in cash after being fobbed off with a book of first class stamps (which I kept as an 'extra' compensation as they never asked for them back). I told them I had not paid them in stamps but money which I expected to be returned!
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P2G - Goodwill Gesture questioned
aburobert replied to HewGin's topic in Postal and Delivery Services
Much depends on how certain you feel about taking them on for the money you feel they owe you. The problem with outfits like Parcel2Go is they will prevaricate and procrastinate hoping you will give up - knowing the vast majority do give up. If you are certain of your ground and have proof of the money in your account (a print off of the current balance) send them a letter before action. They will, if they run true to form, totally ignore this so do not send one if you do not intend to carry through. The fun will start when you issue the Summons - they will run true to form and prevaricate and procrastinate and attempt to bury you under mounds of paper most of which will have nothing to do with your case. What they will try and do is frighten you thinking you are wet behind the ears. Usually they will concede before any actual hearing takes place particularly if they are on weak ground as it sounds they are here. If it does go to a hearing then it will depend on you proving you had the unpaid balance with them - if you can do that you will win and they will end up paying you and the costs of issuing the Summons. Regarding morality - these outfits have very little. They cut costs to the bone by paying peanuts to their sub contractors and always denying any responsibility for any problem. This being mostly true to their smaller clients - they probably give better service to their corporate clientele. -
Action Fraud / Police a Waste of Space
aburobert replied to Conniff's topic in Broadband and other Internet issues
It seems to have now come to pass that the police can pick and choose which crimes they will investigate or not. At one time when you received a crime reference number it apparently meant they would investigate - not any longer. Perhaps a strongly worded complaint sent to both the Chief Constable and Police Commissioner in your areas copied to your MP, local councilor and local rag might get things moving. Malwarebytes (available free) is pretty good at removing ransomeware from most machines. If you are having problems open in safe mode and run the programme from a detachable drive. -
Royal Mail raises stamp prices by 1p
aburobert replied to citizenB's topic in Postal and Delivery Services
Better still buy your postage from the many brokers in the stamp (philatelic world) who sell off mint, full gum stamps at a large discount off face value. You can buy at discounts of up to 40% this way if you shop around. You will also find large lots of full mint material being sold at provincial stamp auction houses often in complete sheets at sometimes an even bigger discount off face value. For almost half a year I was using Harry Potter stamps for postage I purchased at 55% face from an auction house. Please note it is illegal to use much of the stuff sold on eBay for postage as the vast majority of that has already been used before. It is not illegal to sell it but it is illegal to reuse stamps that have already been used to pre-pay postage and, in the past, the Post Office have taken action against some bulk users of this stuff - though if you only send the occasional letter you are probably safe. -
Following on - if Paypal have publically announced you are entitled to a refund and you have made a claim then I would hold on for a little longer UNLESS they have already refused your claim which, if the case, I would go for the chargeback via S75
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If you initiate a chargeback against Paypal and succeed Paypal will simply take the money out of your Paypal account. If there are no funds available this will leave your account with a negative balance hence Paypal will eventually chase you for the money. If there are funds in the Paypal account Paypal will be happy and you will be screwed as there is no way Paypal will refund you. Paypal do not like chargebacks as there is little they can do against them except make a lot of noise. They do not care one iota whether you are in the right or wrong as you will, no doubt, find out your self should you enter into kind of communication with them..
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S75 claim should be against Paypal not the holiday company. It is then up to Paypal to try and get its money back. You paid the money to Paypal and they paid it to the holiday company. But you will find Paypal will put your Paypal account into a debit balance and try chasing you for the money both directly and through whatever DCA's they use these days. Effectively your Paypal account will be closed.
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You will NOT receive any court papers. If you do you will probably be the first ever that Paypal have tried to take legal action against and what are the chances of that? Ignore and move on with your life.
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Paypal will not write to you. They will pass the debt onto one or more of the debt collection agents they use. These will both try to phone you and write to you. They are completely toothless and I advise you do not contact them in any way. When they realise they cannot intimidate you they will gradually cease chasing you as they do not want to throw good money after bad.
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