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Mm1104

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Everything posted by Mm1104

  1. yes, I can access account. I may try with small amount to the the bank transfer and see
  2. I have called wescot at all. paypal told me to call them but I dont want to.... I can sent payments to payapal via bacs using my ref number but dont know if this will be deducted from the negative balance... thanks guys again
  3. Hi Is not that I want to use it, is that I want to keep paying toward the negative balance but I cannot because paypal blocked this function.. I dont want to deal with wescot, just keep paying toward the debt on paypal. Not sure if I should make them bank transfers or I will need to deal with DCA to get this paid off...
  4. Hi All Paypal recently blocked me from paying using debit card, and passed debt to Wescot... do you know how this DCA operates? Do you think I still can pay to paypal using account and transfer money onto them? I didnt hear from wescot yet but that is what they told me on the phone... Please advise me as I am very stressed with this now
  5. Ok... I never had this kind of debts that's why I'm panicking a bit. I may just ignore them and see what they do. DCA cannot influence my credit score right ?
  6. Well, they call me every week and only stop when I tell them next payment date within next 7 days... I'm getting paid monthly so is not possible to have money available every 7 days... Due to other bills and mortgage... They sent me email saying that it may be passed to DCA soon... I still pick up their calls or return them when I miss it... I can pay towards it a bit more may 25% of outstanding within next few weeks ... But what next ? What if it'll be passed to dca? Is it not better for Pp allowing incoming payments , even small amounts every now and then than passing it to DCA? Do you guys have any experience here?
  7. Hi, So my bank stopped CPA, I had a chat with PayPal that I'll be paying in when I can but PayPal still attempts the payments to be taken if my account. Just received multiple emails from them informing about attempt and saying that they all failed because there isn't a direct debit setup... Shall I contact them to ask to stop or just ignore it and keep paying when I can?
  8. Ok, thanks very much all for info. I have asked PayPal for letter but they said they cannot provide and and probably will be calling me every two days even if I can send only a little every month. They say PayPal is not designed to be in negative balance so why they allow this to happen...
  9. Shall I ask for agreement in writing that they happy to accept any payments any time from me without passing it do DCA?
  10. There isn't any currency exchange. I remember it but the problem I have I don't really want to talk about here. I just thought this money is still there and available , as when it wouldn't be there then it was always rejecting transactions and these bank transfers via PayPal all went through.... Thanks very much for advise here . Don't know how it's possible that massive firm as PayPal has not much rights in UK and they cannot do much. I'm happy about that but it is just weird that they let go so many debts from what read.
  11. Yes , I've cancelled CPA AND PayPal called me by themselves... I told them about the situation and they asked how much I can pay in . I said 200 no more for sure at the moment and they said that's fine and they keep contacting me for even small payment as paying in small amounts is better than nothing...
  12. I have called them this morning and did that so it should be ok. But now getting calls from PayPal collection team. I think I'll talk to them and say that I'll be repying it slowly when I can so they don't pass this debt somewhere...
  13. Tsb causing problems all the time. They should have contacted me via text or call when the transactions were happening using insufficient balance but instead they approved it all
  14. I have ! They said they cannot do it because I approved :/
  15. Unfortunately it is and I cannot remove it bank refused to removed them to. When I try it say I owe them. All I removed is direct debit on my bank account. PayPal should not allow these payments. And this casino has nothing about Pp in their t&c .... All very weird. Pp doesn't allow me to open dispute against gambling firm. I hope casino will action it somehow after me raising complaint. With all honestly I didnt intent this negative balance, I didn't even know that's possible :/
  16. Are you sure? Do you have any experience in similar issue? In sure they will attack my bank account again... Even if I removed direct debit. Casino is reviewing case as this is against their T&C .... I didn't know why the hell they took this money if it wasnt there
  17. The case is also with casino which has in their T&C that they would not accept payments if there are no funds available... if these are their T&C then should review the cooperation with PP...but exactly this happend. I could pay but not straight away for sure... I need to cover my credit card first that's why I'm happy to pay in installments to PP.. Ill that number from collection team tomorrow when thell open line. I just don't want them to keep attacking my bank account or put something on my credit...
  18. Eh... I forgot. All they said for now is that it will be another attempt to collect and then the collection team will contact to talk about repayments...
  19. I did but without knowing its coming from overdraft that turned into paypal negative balance. Spoke with Paypal today, they will try to collect it again from my bank and then collection team will be in contact. Anyone here dealt with Paypal collection team? I think it their internal one. I have tried to call today but lines are closed.
  20. It's not PayPal credit. And yes PayPal allowed this with no balance at the time of deposits. It's been rejecting debit card deposits and then alnof a sudden started accepting via bank transfer funding source. Weird
  21. One day. I thought it's on my balance. I was always using debit card with PayPal, somehow I changed it changed to bank transfers. Debit card would never allow deposits when there is no balance. I didn't know bank transfer allow this I didn't realize. Any way lll wait for PayPal response. Maybe this can be claimed back somehow
  22. I cannot open new bank account , I have mortgage that I'll need to remortgage next year. Balance is made of casino deposits. No idea how they allowed it if there were no money in account. Im scared to check my credit file. I opened enquiry with casino about it as they should be accepting payments. I did ask for gambling advice already. I also contacted PP but didn't hear back yet from them as it's only happened today.
  23. I've tried to remove debit card and bank details but I cannot as it says I owe them... I only removed PP direct debit from my bank
  24. Hi, I would like to ask you more about the PayPal debt. https://www.consumeractiongroup.co.uk/forum/showthread.php?476376-Paypal-Big-negative-balance&p=5155264 Does any of you have any experience? I gambled all money away in 3 casino sessions... . having excellent credit score and mortgage. Now my PayPal is in minus £4k and I have already 3 other loans from my direct bank account and cannot afford to pay this. didn't know they charge from bank transfer where was nothing and few days after transactions got into negative balance... .no idea what to do now.. . Do they put you any negative score on your credit ? What is the process? I cannot have PayPal trying to pull money of my bank when payments arrive as I have other bills to cover... I would really appreciate a response
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