please help. I need to know if for any reason I can get rid of this debt. I owe a working capitol loan - the debt has been passed to akinika. they rang they asked who I was I said they have wrong number. now im worried - as the same company I owe money and are paying them off - will they link this will they come to my house? will I be able to remove this debt following the process set out to send the letter - ?

Hello. Any advice appreciated please, I have a full paypal account which has been verified and never any issues in 15 years, its backed up with a bank classic account visa(TSB) with no overdraft facility part due to jan 2017 just completed a 3 yr trust deed form 5 completed currently awaiting form 6. Cut to the chase I offer no excuses but my mother taken turn for worse last week : i stupidly gambled online last week. I had gaming casino account for number of years betting mostly small amounts, I honestly cannot explain why or the right details but I suddenly started to wager large sums! I knowingly had £1200 in my classic account (NO overdraft) started to bet large sums out of character which escalated in me asking paypal for more funds which are linked directly through the online gambling UK website, I started to panic having spent the £1200 in my account and just ask paypal to credit me! I had no real grasp of the situation just blind panic and get my money back I asked paypal for 5 further transactions which were £1000 £2000 £1000 £1000 £2000 £400 all of which paypal processed to the gaming website leaving me £6600.42 in negative balance which already had swallowed my £1200 credit linked to bank account. make things clear : my bank account paid paypal £1200 but due to no overdraft : paypal went negative £6600.00 1 week latter they are asking me to fund the account I have no means to pay due low paid and have bills please whats my legal standing. I have no mortgage or own car etc It might be worth adding the payments were obvious to gambling website paid to platinum games

Feb 2016 a purchase was made following a telephone call to the seller for advice and to confirm the correct parts were ordered for my vehicle registration on eBay with PayPal for £289.97. Shortly after fitting the clutch, it failed. The seller refused a refund or to cover mechanics costs, instead charged me to return the kit for warranty replacement. The replacement parts actually consisted of one new flywheel and other used parts with visible contamination rendering them unusable in several mechanics views, and missing all fitting bolts. The seller told me to get bolts and he would refund costs, but in trying to do this I discovered that the supplied item was not actually as described but a cheaper model for a lesser powered vehicle, hence its premature failure. I re contacted the seller to request the collection of the kit and delivery of the correct kit as originally ordered. The seller refused to do this, even asking for more money to correct their supply mistake. Failing to get satisfaction I raised a PayPal dispute. They were great all be it a little slow, fully investigated the case, looked at pictures of the part supplied compared with the actual part advertised (confirmed with two independent suppliers) and found my case worthy of a refund under Buyer Protection. This happened Jul 2016 after everything had been returned to the seller at my expense. Last week (Jul 2017) I get served a county court claim, addressed incorrectly, for £489.97 plus court fees, claiming the warranty replacement to have been damaged beyond use (a solid flywheel, returned as supplied) and assigning a £200 value to what they even describe as a free of charge item in the particulars. They also listed the person that fitted the clutch as a co-defendant, claiming he trades as a Limited MOT company, that is totally wrong. I have acknowledged receipt and now have a few weeks to present an online defence. PayPal say he doesn't have a case as we both agreed to their T&Cs and to abide by their mediation should a dispute accour. They also say the seller had the chance to contest and ruling from PayPal under Seller Protection which if won/agreed would have seen a fully reimbursement from PayPal. Obviously I am not privy to the facts of this. Doing research into other buyers being taken to court by this seller (there are many), it seems that there is a pattern of providing evidence inconsistent with the truth and trying to evade CRA2015 by claiming a trade sale not private at distance. Is there any precedent case I can quote to help defend myself? Has anyone had similar experience and won? Thanks

Made a complaint to FOS about paypal. Just got a reply. Seems like the adjudicator's provisional conclusions. He's found paypal had done no wrong. Here's what it says on the bottom of his email: Notice the change in font size, when it says "But If you don't agree with what I’ve said, please let me know why by 6 February 2017. I’ll look at any new information you give me and let you know what I think." I had to really strain my eyes to read this. Surely this is a nudge tactic by the FOS to close-off complaints.

I bought a 16gb Kingston SD card online for my phone from a company called Sweetcow Ltd. The 1st day I had it in my phone it failed completely. I packed it up and returned it immediately along with a letter explaining why I was returning it. For good measure I began proceedings with Paypal. Well I might as well not have bothered as Sweetcow claimed they never recieved the returned item and kept asking me to returnn it. They ignored all my messages that it had been returned saying I must send it by tracked post. As I no longer had it thart was impossible. The short story was both Sweetcow Kingston and Paypal all let me down as now I have no 16gb SD card I lost my money and none of them give a fig

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 requested 1st class next day track & traced, and signed for. All good, or so i thought! On 17/12/16 i received email from paypal to inform me that buyer had initiated a "chargeback" and my paypal account had been debited £759 and sent back to buyers card company for "unauthorised use" i was furious! I provided paypal with all the information they requested, proof of postage tracking number, even a copy of signature from buyer. They told me they would investigate on my behalf, and inform me of their decision, I told them I have been with ebay/paypal since 06 and in over 300 transactions in have NEVER HAD A SINGLE NEGATIVE FEEDBACK! I have received a email from paypal today 30/12/16 saying that I've lost my money, and that's the end, case closed! I'm absolutely staggered by this, and would appreciate some advice, from any kind people of what I can do about this? I cannot afford to lose this money, as I have a low income, but of course paypal font care. Thanks

Hi I have used this website in the past with another problem I had and found some great advice so thought id try again. I sold a phone on Ebay 6 months ago for circa £500. The phone was paid for, sent, tracked and signed for by the buyer. I withdrew the cash and assumed all was fine. Now 6 months later with no correspondence from ebay, paypal or the buyer, I am getting debt collectors letters (AFS) requesting me to pay the negative balance in my palpal account circa £500. I am not sure what to do. The item was tracked and signed for (as can be seen on my paypal account). Now Paypal seem to have re-funded the buyer who now has the cash and phone with me having a negative paypal balance. I have no idea what has happened or what my next steps should be. Any help would be appreciated. Regards Pat

Paypal-Does anyone have any problems with them.On Ebay or any other site. I say this because in the last 4 weeks on Ebay my Paypal account has slowly closed on me. Only able to access it at strange times of the day,say 12 midnight or perhaps as i get up early 4 or 5 am. Then a few weeks ago i could not access at all. Usually it says DNS server cannot be found,but everything else in the world can be found. So i am selling on ebay and receiving payments paying postage but cannot access my Paypal account. So really for myself Paypal has turned into a great big savings account with no interest. I personally now have lost all faith in Paypal and looking for an alternative. This might cost me sales but all my eggs are never put in one basket.Just in case. Now this morning at 4-30 by some miracle i managed to access Paypal,i am honoured to have received this privilege.I will send them a letter thanking them. Due to the way things have been going i withdrew my hard earned money and transferred it into my bank whom i have much more faith in. This is what i have been checking each day as my frustration grew.Check it out if you feel so inclined. See what some are saying here and there.And of course is it accurate. Paypal outage map. http://downdetector.com/status/paypal/map/ Just checking my emails a few moments ago i received a email saying. Your Account Has Been Limited Your ΡayΡal account has been limited because we've noticed significant changes in your account activity. As your payment processor, we need to understand these changes better. This account limitation will affect your ability to: Send or receive money Withdraw money Also, you won't be able to: Remove any bank accounts Remove credit cards Close your account Charming,clearly they are the powerful ones and can do what they want at any time. I am invited to go to the resolution centre and say what has happened. If i manage ever to sign in again. Why i withdraw my money instead of leaving it in their hands. Anyway i just wondered what anyone else thinks of Paypal lately. And what are the real alternatives to Paypal when on ebay etc. Thanks Tawnyowl.

I purchased an item using Ebay and the seller did not send the item. In my haste to get my money back I opened a Paypal dispute. However upon doing so the seller phoned me to say that they needed the Paypal claim closed to refund me through Ebay and rather stupidly I did so. Since then neither Ebay nor Paypal will do anything. I am unable to reopen the dispute with Paypal and Ebay say they cannot do anything because Paypal have closed the dispute (even though they are supposed to be two entirely separate entities). Now I could go the route of doing a chargeback through my bank. But it was done on a Visa debit rather than credit card. From speaking to my bank (Santander) that could entail some risk from Paypal challenging the chargeback which worries me. The amount is only the relatively small amount of £36.49. If Paypal were to be funny about it they could challenge it and possibly I incur some kind of legal fee? I don't know. Given that there is that risk I would rather swallow the amount and admit I have been ripped off and to be very wary in the future of closing any disputes before a full refund is given. Is there any other recourse for me?

i hope i have posted this in the right section. Paypal in January limited my account (for god knows what reason), and have been holding onto £900 ever since. They said it would be released after 180 days, however it still has not been released, are they legally allowed to do this? I have been conversing with them on facebook but they take forever to respond to messages, there seems to be no other way of getting hold of them! i have tried calling a couple of time to no avail. i just want to know what to do in the instance they tell me they will not release the funds. because its very strange that after this long period of time has passed they are STILL on hold.

Hello, I have been called several times by a number 02086100150. This is apparently the number PayPal use when they are chasing people for a negative balance. The story behind this is a case of fraud. I have recently believe to have been a victim of fraud where I was told that I would receive a PayPal payout. I found this through a facebook group which is a selling page. The advert said that people could receive money as long as they met the certain criteria. In addition, it said that there would be no fees involved (and to me as a 19 year old this meant minimal risk of losing money). This involved being sent money through PayPal which would be transferred to my bank account and some of this would then be sent to another bank account as what I believed would be fees for this service. I was told to download a programme which would be used to create a meeting where the other person who was helping me to do this, would be able to take control of my screen and do what was needed. I was told to sign into my PayPal account and also my online banking (stupid mistake)... I had £300 added into my PayPal account (from different people) which the person then withdrew to my bank account. From there, they went into my online banking where they typed in the bank account of the person to send the money too. They then withdrew £200 from my bank account which was as expected. This was supposed to be repeated several times so each time I would keep the £100 remaining. However, on the next occasion £300 was added into my PayPal account (also from different people) which was then withdrew to my bank account. From there, the person typed in all of the bank account details as before. However, this time they typed in to withdraw £800....this was not what I expected and stopped the meeting instantly so they could not take control of my bank account and PayPal any longer. Several of the different people whose accounts were used to send money to mine (i'm not sure if they had the money fraudulently taken from them or if they were part of the company doing this) have then requested to have their money returned. However, I closed the PayPal account that all of these transactions happened on and now I have PayPal ringing me. I'm assuming they are questioning the negative balance on my account and are wanting the money back.... However, as a student I have no regular income and I dont know what to do. If they are chasing for the money then I will be placed even further in my overdraft. I have already been placed into my overdraft from having lost £400 (£600 in total added to my account and £1000 taken from my bank) and now they are chasing me for the £600 added into my PayPal account. This will mean that in total I would have lost £1000 if they get the money back. I have contacted action fraud but they have 28 days to get back to me. The original case of fraud happened several weeks ago. I'm not sure what to do... I don't have the funds to pay the money back and I feel like I have been scammed so bad (p.s. im only 19) Can anyone help???

Hi guys, I really need help here. I applied for a Job through indeed about making quick money from ebay and I fell into it, I was careless as I am a student who is 18. the buyer will email me the items and all about it and I will list it on Ebay, he said that I will get a share of it if everything was fine, OK this is what he said Hello, Thank you for applying for my job. Let me tell you more about it... I need someone who can list my items on eBay. You'll be listing authentic products.… I will provide you photos and details of the items that needs to be advertised. Your job is just to list the ads. I will talk with the interested people. I will pay you when the auction ends. There are 2 possibilities: 1. If the item is sold: YOU'LL RECEIVE £100 + eBay POSTING FEES + 5% OF THE SELLING PRICE 2. If the item doesn't sell: YOU'LL RECEIVE the eBay POSTING FEES ( but, I'm sure that the item will sell ) Maybe you wonder, why I am not selling the products myself ? I wanted to start an eBay account but I read on one of eBay's community pages that sellers with 0 feedback have not the same success as the others sellers with feedback. Also you must have an eBay Seller Account with more than 7 feedback. We are located in Edinburgh, United Kingdom .... You'll receive the payment from buyers into your PayPal account, which is linked to your eBay account, and deduct your payment from there + 5% of the selling price + eBay fees. In this way is clear that you'll get your payment. Your PayPal account must not have any limits (sending, receiving and withdraw). If you have any limits on your PayPal account you must lift them up. You'll earn £400 + per week with just one item...i think that this is fair enough. Also i want to tell you from the beginning that i need serious peoples in my team so when you say something so be it. I look forward in hearing from you soon. Regards, Continuing from this I thought it was good and everything buyers will SEND ME THE MONEY THROUGH PAYPAL AND 3 WEEKS LATER THEY'd DISPUTE A CLAIM SAYING that they have not received the goods, from that moment I was scared I didn't know what was going on, I email the seller which he said he sent the product and everything even the shipping but it was ALL FAKE. When the buyers paid I will take the money out from paypal and send it to him... and since one buyer disputed a good, now I cant get hold of the seller he is disappeared leaving me with negative balance of -£4,000 BECAUSE I HAVE SENT HIM MONEY AND HE RAN AWAY WITH IT I didn't know what to do I was in panic as I am only 18. I reported this to the police that I have been a victim of Fraud and they gave the crime reference number, I emailed paypal about 100 times about what happened to my account and gave them my CRIME reference number they said ITS NOT VALID THE POLICE ARE GOING TO DO NOTHING? I can't pay I dont work I just study, I eve rang them and told them I have been a victim of a fraud and they still did not take it saying that they will get a debt collector if I don't pay, I dont undertand, the fraud team and police are investigating and I cant pay that amount I dont have it and Paypal are so mean and scary the women shouted at me and pushed me to pay and call her BACK which I won't until the investigation is done I don't want to be involved . I dont want to have bad name!! what would happen if the police do nothing? I can't go to prison its not my fault, please SOMEONE HELP ME IM CRYING

Hi folks, Been caught up in the lowcost holidays collapse.. Paid initial deposit via Paypal. .which is linked to a RBS Mastercard. ..Paypal said will refund after 10 days. ..Now saying are in contact with administrators. ...Are deposit payments protected under paypal. ..I have had my Balance paid through Lloyds Visa Debit ..Refunded via chargeback. .But Paypal dragging there feet and I keep getting different answers off different operators when I phone.. ...Any help appreciated ..

First and foremost, I forgive those who perhaps thought that the thread title might turn out to be misleading before then clicking on the thread. An analogy would be the sensationalist headline I saw today that 'Messi had gotten jail time'. I knew full well, before clicking on the story, that he wouldn't be serving even one day in prison. However, I assure those of you who are doubtful that after you read on, then you will see that it really is the case that a Paypal account can NEVER be closed, which an FOS adjudicator heartily agrees with. This happens to be one of the very few outstanding issues that my 82 year old father is still dealing with, after putting an awful lot of things properly to bed in recent months. All of the following information and correspondence is being posted with his full permission. The background to this case begins in late 2013, when Paypal asked my father to provide them with additional information, primarily original receipts of purchase, relating to some items he had sold on Ebay. He wasn't able to do so and, after all the negative things he had seen in the media about Paypal over the years, decided he didn't want anything to further to do with them anyway. It was his opinion that when Paypal start becoming irrationally awkward, then they don't often cease to do so. Anyhow, when he was going over all of his affairs, in the second half of 2015, he decided to ask Paypal to formally close his account that they had since restricted. He didn't expect any resistance and was a bit surprised when they refused to do so. He was a bit reluctant to waste more time and energy going to the FOS about something like this, but felt very strongly about what he perceived as Paypal's arrogance and duly did so. He expected that this would be something that the FOS would promptly sort out, even if it only meant them giving Paypal a 6 year deadline to close his account from when they first restricted it, but how wrong he was. His case was assigned to FOS adjudicator Noelle Murphy and copied and pasted below is the all the correspondence accumulated thus far, with the correspondence of the FOS adjudicator being highlighted in red. 22nd April 2016. I’m writing to you as I’m the adjudicator who has been passed your complaint about PayPal. I wanted to let you know that I’m now looking into what’s happened.My role as an adjudicator is to give an independent opinion on your complaint. This means I’ll consider what you and PayPal tell me, weigh up the facts of what’s happened, and then let you know what I think is fair in the situation. next steps I’m currently reviewing all the information that you and PayPal have sent us. I’ll be in touch again once I have done this, to go through my understanding of what’s happened and let you know what the next steps are. I expect to be in contact with you within the next week but I’ll let you know if, for any reason, it may be longer than this.In the meantime, please feel free to get in touch if you have any questions. 26th April 2016. Thank you for waiting while I’ve been looking into your complaint. I’ve now looked at all the information from you and PayPal and I want to go through my thoughts on what I’ve looked at so far. my thoughts so far As you know, we’re an informal service that was set up to resolve individual customer’s complaints. So I cannot comment on the processes PayPal has in place, or recommend it changes its processes as part of your complaint. It’s for PayPal, or PayPal’s regulator - Commission de Surveillance du Secteur Financier (CSSF) – to decide how it should operate and if it should change how it operates. I understand PayPal placed a limitation on your account on 16 October 2013, and asked you to provide additional information. You decided not to provide the information PayPal had asked for and so the limitation has remained on your account, meaning it cannot be used. When looking at complaints like this we do have to take into consideration the terms and conditions of your account as it forms the basis of the contract between you and PayPal. I have noted that PayPal’s user agreement does contain information about limitations on accounts and I can see PayPal referred to this in its final response to you. Section 7.2 of your user agreement states that “You may not close your Account to evade an investigation”. It has said your account will remain permanently suspended and this is why you cannot close the account. PayPal is entitled to leave the account permanently suspended, and this is a commercial decision it has made. I appreciate you’re not evading its investigation by requesting the account to be closed, rather you don’t feel comfortable with the account being left open. But the account cannot be used as its suspended, and ultimately PayPal is entitled to make the decision it has to keep the account open. I do consider that it has acted in line with the terms and conditions you agreed to. So it would be unfair of me to say it has done anything wrong here when it is entitled to restrict your account and make the decision it has not to close it. next steps I would like to get your comments on what I have said, as I’m mindful that I may not have taken everything into account. If you would like me to consider any other information that could change my mind please let me know.If you’re able to respond to me by 3 May, I would be grateful. However if you need more time please let me know. 9th May 2016 (more time asked for and granted). right, I have now had a chance to clear my head and review everything at my own pace, which I am perfectly content with. First and foremost, I want to emphasise that I was never seeking for Paypal to change it's processes or how it operates. I am very happy for my complaint to be assessed solely on whatever terms and conditions Paypal had in place at the time and have in place now. So, moving on to the substance of my complaint, I would like to draw your attention to something that I don't think you have yet fully appreciated. You said yourself that Paypal limited my account and launched an investigation on 16th October 2013. Well, I first asked for my account to be closed in August 2015, which was nigh on 2 years after Paypal limited my account. As things currently stand, we are fast approaching a time span of 3 years from when Paypal limited my account. Therefore, when Paypal now parrot Section 7.2 of their user agreement, which states that “You may not close your Account to evade an investigation", then it is total nonsense. From memory, they said I had something like 90 days to provide them with the information they requested when they limited my account. So, even giving them a lot of leeway here, if I had asked them to close my account at any time in the 6 months after 16th October 2013, then I might understand their argument. However, I did not and if you were to accept their argument, then you could only be concluding that, in August 2015, I was trying to prevent an investigation Paypal began on 16th October 2013. They must have a good sense of humour, Paypal, to come out with rubbish like that. I do have to hand it to them. Frankly, I don't see how anyone closing their account, even at the time of limitation, could stop an investigation from occurring. By that logic, any wrongdoer would have an easy option available to avoid getting caught, 'Hey, I will just close my account!', and I don't think that's how the world works. However, having Paypal spin that spiel, some 2 years or longer after their investigation, is just so beyond the pale. What is more, from what I can recall, I never 'decided not to provide the information PayPal had asked for'. They asked me for some original receipts of some items that I had listed on Ebay. I don't know why they asked, but I didn't have any original receipts and openly told them so. How many people, who sell stuff on Ebay, have original receipts? I don't see how I could have cooperated any more fully at the time. Anyhow, besides the point, the fact of the matter is that I didn't try to close my account at the time of their investigation, so their defence is groundless. Unless they have a term or condition which states that no one is allowed to close their account without their random blessing? I am not aware that they do and very confident that they do not. So, if they can't provide you with a term or condition which prevents me from closing my account, then I would like my account to be closed please. If you will not order them to do so, then please do kindly confirm whether you are ultimately basing your decision on Section 7.2 of their user agreement, which blatantly holds no water here, or if your are basing it on another Section of their user agreement. I can then promptly decide whether I wish to escalate my case to an Ombudsman or not. I don't see this taking up much moire time between us to be honest, so it should be well clear of your desk by the time you go on annual leave. Just for the record, in case you were wondering, I don't have any confidence or trust in Paypal and would simply feel much happier if my account was closed. They are still holding some of my financial information in my account, which can't be deleted when an account is limited, and I have heard a lot of stories about companies being hacked on the news and the like. As far as I see it, regardless of how probable you or Paypal think that is to occur, it is purely my prerogative to decide whether I want my account closed or not. Unless they have a term or condition that says otherwise of course. I look forward, please don't feel at all rushed, to hearing from you in due course then. Much appreciated and best wishes. 11th May 2016. Thank you for your response. I have noted your comments and the points you’ve raised.I appreciate the point you’ve raised about the timescales involved but I can’t say I agree with you. Just because it was two years ago that PayPal requested this information doesn’t mean an investigation isn’t still ongoing. As you didn’t provide the information PayPal asked for it wouldn’t be able to conclude its investigation and – I think it’s reasonable to say here – it would take some action to prevent any further use of the account. Even though PayPal asked you to respond within a certain timeframe I don’t think this indicates how long it would take to carry out its investigation. I would imagine, like this service, timescales are put in place to make sure that cases are being dealt with in a reasonable timeframe. But as the information was never provided, closing the account could still be considered as evading PayPal’s investigation regardless of the time that’s passed. In addition to section 7.2, I do think section 10.2 is also relevant to what’s happened here. This section does set out that PayPal is entitled to restrict or block an account entirely or for any reason. So I do think it is entitled to keep the account restricted as long as it thinks is reasonable. I think it was in your complaint form that you said you decided not to provide the information it had asked for. If you’d like a copy of this please let me know.Even though I appreciate you may have not felt it was necessary information, I don’t think what it asked for was unreasonable. But ultimately, PayPal is entitled to reasonably request information from its users to help it look into an investigation.I appreciate why you want to close your account, and you are concerned about the information it is holding about you. If you have a concern about the way PayPal is handling your information – and by this I mean keeping it longer than is necessary – then the Information Commissioner’s Office may be able to look into this. Their details are: Information Commissioner's Office etc. what happens next If you don’t want to take your complaint further, you don’t need to reply. But if you don’t agree with what I’ve said, please let me know why by 23 May 2016.I’ll look at any new information you give me and let you know what I think.If we don’t hear from you by 23 May 2016, we might not be able to look at your complaint again. So if you want to reply but you think you’ll need longer, please tell me as soon as possible. In every case, both the business and their customer can ask an ombudsman to make a final decision. But I think it’s unlikely the outcome would be different – unless there’s any important information that you haven’t already given us. If you have any questions, please get in touch. 13th May 2016. first and foremost, I am not sure 'exactly what words' I used only my complaint form, in relation to not providing Paypal with the information they requested, but I can tell you with certainty that I cooperated with Paypal as fully as was humanly possible when the limitation was placed on my account. They asked me for the original receipts, pertaining to some items I had sold on Ebay, and I openly told them that I didn't have any original receipts available. What more could I have done than that? Anyhow, I wasn't happy with Paypal at the time, so my initial displeasure might have resulted in me coming across ambiguously when I eventually decided to complain. Please feel free to verify all of this with Paypal. As for the time scale involved, it is actually now well over 2 years ago that Paypal requested information from me. In fact, it is now virtually 2 years and 7 months ago. If this case does end up getting referred to an Ombudsman, then, given the waiting time involved, it will be nigh on 3 years ago. I am not sure exactly what it is that Paypal are supposed to be 'investigating', nor how many years would have to pass for you to be satisfied. However, given that the crux of this matter simply relates to them asking for original receipts pertaining to a few items I sold on Ebay, then it is clearly nonsense to suggest that an 'investigation might still be ongoing'. At the end of the day, there have been numerous investigations into Paypal themselves by many newspapers and TV stations, including BBC 'Watchdog', which have shown Paypal to be quite 'lacking' in many areas as it goes. When you said 'Even though PayPal asked you to respond within a certain timeframe I don’t think this indicates how long it would take to carry out its investigation. I would imagine, like this service, timescales are put in place to make sure that cases are being dealt with in a reasonable timeframe' I can see the basic principle there. However, when 60 days, or whatever it was initially, then becomes 2 years and 7 months that argument just doesn't hold water any more. It is tantamount to eternity. Unless you are saying that Paypal should have 3 years, 4 years, 5 years, 10 years or any other number of fixed years available to them? Please do confirm if that is how you see it and what you think is reasonable. One other thing, in you previous email you stated that 'But as the information was never provided, closing the account could still be considered as evading PayPal’s investigation regardless of the time that’s passed'. However, in your email of 26th April 2016 you stated 'I appreciate you’re not evading its investigation by requesting the account to be closed, rather you don’t feel comfortable with the account being left open', which I find completely contradictory to be brutally honest. Paypal asked for original receipts and I told them I didn't have any. It was hardly a complex case. Moreover, as I already told you, closing my account doesn't stop Paypal 'investigating' my case at all. They can 'investigate' my case for the next 100 years with my full blessing. Likewise, purely as an analogy, I don't think that any of those involved with the Mossack Fonseca scandal would avoid any 'invetsigation' by now rushing to close their accounts. Again, as I already to you, the world doesn't work like that. What is more, I haven't been accused of any wrongdoing and I don't owe Paypal a penny, which they themselves can't deny. If you do feel that closing my account does prevent Paypal from 'investigating' further in relation to my case, after 2 years and 7 months have passed, then please kindly explain to me how so. Moving on to the limitation aspect of my account, this is something that I have never complained about and you seem to have proactively entwined it into the case. Furthermore, closing my account wouldn't lessen any restrictions that Paypal have in place in the slightest. In fact, conceptually, if anything, it could obviously only strengthen them. The limited use I currently have would be downgraded to no use. Therefore, Section 10.2 has absolutely nothing to do with my complaint, which is solely based on me wanting my account closed; not to do with wanting any restrictions removed from my account. If you feel that it does, then please kindly explain to me how so. It is very good to get all of this in writing, regardless of the final outcome, so I do at least fully appreciate all of your assistance. If you have anything else to add, or not, then please do let me know either way. I can then decide whether I wish to escalate my case to an Ombudsman or not. Much appreciated and best wishes. 13th May 2016. I have noted your comments but my thoughts on your complaint remain the same.Ultimately, I do consider that PayPal is entitled to restrict your account and make the decision it has not to close it. I understand you don’t agree with this and you don’t think its terms allow PayPal to make this decision – but having considered what’s happened I do. I’m sorry if you think I was contradictory I was merely making the point that closing the account could be considered as evading an investigation. As I said in my previous email to you, I don’t consider that you’re trying to evade an investigation by asking for the account to be closed. However, this doesn’t mean that PayPal should close the account or it should have the same opinion on this point as me.It made a reasonable request for information and you were unable to provide what it had asked for. PayPal made a business decision to restrict the account and it hasn’t done anything wrong by doing this. I’m not in the office next week so I would be grateful if you could let me know by 23 May whether or not you’d like an ombudsman to consider what’s happened.If I don’t hear from you by 23 May we might not be able to look into your complaint again. 18th May 2016. yes, I do think I am beginning to get a good understanding of your position in relation to Section 7.2. However, there is at least one thing that I did want to be crystal clear on, before deciding whether to escalate my case to an Ombudsman or not. You do now acknowledge that I never complained about my Paypal account being limited and that I never asked for any restrictions to be removed from my Paypal account, don't you? My complaint was solely about being unable to close my account, you said you still had a copy of my complaint form handy so please peruse it again if necessary, and I fully accept that Paypal have every right to limit the use of any account as they see fit. In the final analysis, I am 82 years old and doing my best here, I just didn't want to get needlessly sidetracked or confused by anything else. Much appreciated and best wishes. 23rd May 2016. Thank you for your response and patience while I have been out of the office.Yes, I do understand your complaint was about PayPal’s decision not to close the account. I know you didn’t ask for this service to look at the restrictions placed on the account or why that was.However, I did think that the restriction on the account was directly related to PayPal’s reasoning here and that’s why I mentioned it. I had to look at the whole circumstances to come to a fair opinion on what’s happened. I would be grateful if you could let me know how to proceed with your complaint by 27 May 2016. If we don’t hear from you by this time we might not be able to look at what’s happened again. So if you need more time please let me know as soon as possible. 3rd June 2016 (more time asked for and granted). ok, I think I understand what you were saying now. You were trying to get a full understanding of everything that happened and a good sense of the chain of events that occurred. This is why you mentioned Section 10.2, which Paypal first used to restrict my account nigh on a year before I ever contacted them about my account status. However, when it comes to you giving a final opinion on my complaint, which involves Paypal not closing my account and doesn't relate to any of the restrictions I was perfectly happy with, then it is only Section 7.2 that can be specifically held against me right? I hope that's correct, it seems crystal clear to me, as otherwise you will have left me totally bamboozled. I won't seek to debate the point any further though. One oither thing that crossed my mind, I hope you don't mind, and it involves the length of Paypal's investigation. In a previous email I referred to some comments you made on this matter. They were as follows: 'Even though PayPal asked you to respond within a certain timeframe I don’t think this indicates how long it would take to carry out its investigation. I would imagine, like this service, timescales are put in place to make sure that cases are being dealt with in a reasonable timeframe' I told you that I could understand the basic principle there, but found it very hard to comprehend how it could be stretched out for 2 years and 7 months. Anyhow, let's assume for the moment that the 'Paypal investigation might still be ongoing' as you put it. Are you actually going to make a recommendation on how long Paypal should have to complete their investigation? What do you think is fair and reasonable here? As far as I am aware, even the Statute Barred law in England, which can cover quite serious cases, says that 6 years is certainly long enough for proceedings to be concluded. So, do you think that Paypal should have a period of 3 years, 4 years, 5 years, or even 6 years to conclude their investigation, which would then be fully in line with Statute Barred law, or perhaps something longer? You can't possibly be conflating 'Even though PayPal asked you to respond within a certain timeframe I don’t think this indicates how long it would take to carry out its investigation' with an 'eternal investigation'? I would like to know what you think about all of this please, as if your final opinion didn't find in my favour now, then it must surely address such substance. Well, I would be shocked if it didn't. Much appreciated and best wishes. 3rd June 2016. just another thought I had. Perhaps it might be an idea to actually ask Paypal how many years they need? No harm done by mentioning the notion to you. I clicked 'Send', after composing the previous email I sent you a few minutes ago, and the idea suddenly popped into my head one second later. I do apologise for not including it in my previous email. Much appreciated and best wishes. 3rd June 2016. Thank you for your emails. I appreciate your point but there appears to have been some confusion here. I didn’t mean to imply its investigation was still ongoing, my point was that just because some time has passed doesn’t mean PayPal concluded the investigation. I went on to explain that because it couldn’t conclude its investigation it was reasonable for PayPal to take action to prevent further use of the account. I have explained that PayPal has made the decision to keep the account permanently suspended. I have considered if PayPal has acted unreasonably in deciding to permanently suspend the account, but I have found that it was entitled to make this decision. So I’m not going to ask PayPal to do anything else, as I don’t consider that it has done anything wrong. As my thoughts on your complaint haven’t changed you can ask for a final decision to be issued by an ombudsman. If you would like this please let me know by 8 June 2016. If we don’t hear from you by this date we’ll assume you no longer wish to pursue your complaint with this service. 8th June 2016. no problem and I am very glad that confusion has now been cleared up. I am just trying to fully understand your perception of the key components of my case, which I am sure you must fully appreciate is very important to the whole process. What your final opinion turns out to be is another matter entirely. Anyhow, I just have one last question I want to ask you and will email you later this evening, so you might not pick it up until tomorrow. I will then promptly make my final decision on whether I wish to escalate my case to an Ombusman or not. Much appreciated and best wishes. 9th June 2016. right, as I said in my previous email I am very glad we managed to clear up that confusion. I just hope that you can appreciate why I took 'Just because it was two years ago that PayPal requested this information doesn’t mean an investigation isn’t still ongoing', from your email of 11th May 2016, to indicate that an investigation was still ongoing. Nevertheless, I now think I have a very good handle on how you currently view my case. However, please do correct me if I am at all wrong on anything though. First and foremost, regardless of how far you perceive they did or didn't get, a cast iron fact of this matter is that Paypal did indeed open an investigation. However, neither of us can actually know what progress Paypal made in their investigation, as we don't know exactly what they were investigating or how much relevant information they had at their fingertips during the said investigation. Just because they asked me to contribute to their investigation, which it wasn't humanly possible for me to do, it doesn't by any means indicate that they weren't able to investigate anything. Otherwise, they couldn't have possibly had any notion to open an investigation in the first place. Something must have triggered it or I never would have heard from them. So, moving on, for Paypal to eventually make the decision to leave my account restricted, then they must have finished their investigation. Again, this is regardless of how far you perceive they did or didn't get in their investigation, which we can't actually know. Unfortunately, despite this, Paypal are still maintaining that I am trying to evade an investigation, which is something you don't see fit to challenge them on. As you said, in your email of 13th May 2016, 'I don’t consider that you’re trying to evade an investigation by asking for the account to be closed. However, this doesn’t mean that PayPal should close the account or it should have the same opinion on this point as me'. For the record, I thought it was the opinion of an FOS adjudicator that mattered in such cases, rather than the opinion of the company they were scrutinising, but this was admittedly only a preconception I had when I first decided to approach the FOS about this matter. Perhaps Paypal mean I am now trying to evade a fresh investigation? It could certainly be food for thought. Still, I would like to reinforce the point that, whether open or closed when looked at, nothing can actually stop Paypal from investigating an account. In the final analysis, you have concluded that my Paypal account should remain open, yet restricted, for as long as Paypal decree I am continuing to evade an investigation. If I have not misunderstood anything, then I can't deny that some bits of this narrative do kind of make some sort of sense, but it still all feels a little odd to me. However, as I said, this is if I haven't misunderstood anything. Am I now at a point where I haven't misunderstood anything then? Or is there yet more confusion that needs to be ironed out? Just for the moment, I will vaguely assume I have got there and assess whether I feel uneasy enough to request that this case be escalated to an Ombudsman for scrutiny. Regardless of the outcome, I think we have communicated reasonably well, despite the occasional bout of confusion, which can happen to the best of us. I will await your reply then. Much appreciated and best wishes. 9th June 2016. Thank you for your email.I can’t say I have anything to add to what I have already explained. I have looked at what PayPal’s decision – to keep the account open – and I considered why it did this. I also considered if its decision was reasonable, and if PayPal was entitled to make this decision.I found that all the actions PayPal took were set out in its user agreement, which you agreed to. I also considered its rationale for making this decision and I didn’t think it was an unreasonable one. So ultimately, I don’t think PayPal has done anything wrong and that’s why I haven’t asked it to close the account. That’s a decision for PayPal to make. I understand you’re thinking about asking an ombudsman to look at what’s happened, and if you do want this please let me know by 13 May 2016. – so I can move your complaint forward.Again, if we don’t hear from you by then we’ll assume you no longer wish to pursue your complaint with this service. 10th June 2016. right, so I have now understood everything I mentioned correctly then. I do feel much better when everything is as clear as possible to me. I really do appreciate your confirmation on that, as I would have begun to feel a little bit beleaguered if I had encountered any more confusion. One very last thing I want to ask you, I hope you don't mind, and it involves time scale. It just occurred to me you see. Now, in my email of 3rd June 2016 I asked you how long Paypal should have to conclude their investigation. You then told me that the Paypal investigation wasn't actually still ongoing, despite previously telling me that it was, but not really meaning that it was. It was just a bit of confusion that needed to be ironed out. I happily accepted your explanation and we successfully put all of that behind us. Ok then, so even though a Paypal investigation is not still ongoing, then how for how long is it feasible for Paypal to claim that I am seeking to avoid an investigation by asking for my account to be closed? Do you think that Paypal should have a period of 3 years, 4 years, 5 years, or even 6 years in which they can continue to make this argument, which would then be fully in line with Statute Barred law, or perhaps something longer? You can't possibly be viewing Section 7.2's 'You may not close your Account to evade an investigation' as an 'eternal perspective'? The question of time scale does still remain, whichever way you look at the matter, so I would like to know your opinion on this. This is something you can add to what you have already explained, as future time scale has not previously been addressed, and it shouldn't take you more than a few seconds to do so. It is important to me that I know this. I will then respond with my final decision on whether I wish to escalate my case to an Ombusman or not. Much appreciated and best wishes. 10th June 2016. It’s not for me to comment on, or decide how long an investigation should take.But to clarify, there is no longer a PayPal investigation. As I explained in my previous emails, PayPal has made the decision to keep the account permanently suspended. This is not because of an ongoing investigation but rather because it decided to take action to prevent further use of the account.I hope this answers your question. 13th June 2016. I was told that my Paypal account couldn't be closed due to me 'trying to avoid an investigation' by doing so, which was in line with Section 7.2. Since then, it has emerged that this was regardless of whether a Paypal investigation was 'currently ongoing' or not. As I already told you, Paypal must have been referring to the prospect of a 'fresh investigation'. Now, saying it isn't for you to comment on or decide how long an 'actual investigation' should take is fair enough. However, this would have absolutely nothing to do with giving an opinion on how long Paypal can get away with saying I can't close my account 'to avoid an investigation'. This is precisely your job and you have already somehow decided that 2 years and 7 months is acceptable.. So, if you deem that Paypal can get away with saying that for anything between 3 years and 6 years, then I would accept whatever your specific decision was. However, if you deem that Paypal can get away with saying that for 10 years, 15 years or even longer, then I wouldn't accept your decision. If you thought something in between 6 years and 10 years was reasonable, then I would have to consider your decision for a little while. This is something very relevant that I really do need to know, so please get back to me with an answer. Furthermore, I really shouldn't have to be stating the obvious here, but closing my account would do a pretty good job of preventing further use of my account. Much appreciated and best wishes. 14th June 2016. I apologise but I don’t quite understand your email to me or the point you’re making.I have tried to explain why I don’t think PayPal have done anything wrong. If you would like to clarify your comments then I will try my best to respond to them.At this point, I think it might be best if an ombudsman makes a final decision on your complaint. As I think we are going back and forth about PayPal’s decision and I’m not likely to change my position. Please let me know by 17 June 2016 if you have any other information you would like the ombudsman to consider. Just so you know a decision is likely to be made within two months of when I pass your complaint to an ombudsman. If I don’t hear from you by 17 June I’ll assume you have nothing further to add and I’ll arrange for the file to be placed into the queue for an ombudsman.If you have any questions please let me know. 17th June 2016. I was told that my Paypal account couldn't be closed due to me 'trying to avoid an investigation' by doing so, which was in line with Section 7.2. This was all based on this moment in time. So, very simply, I am asking for how long can Paypal get away with saying that? For example, do you think it would still be reasonable for Paypal to be saying that after 4 years? What about in 6 years, 8 years or 10 years time? What about in 15 years or 20 years time? Or perhaps you think it is reasonable for Paypal to say this for all eternity? For me, it is very obvious that Paypal can't get away with saying that forever, However, that is only my opinion of course. It really is a very simple and straightforward question I am asking you, I do apolgise if I wasn't clear enough in my previous email, and I am glad to be able to clarify if further you. So, if you were to say that Paypal had anything up to 10 years, whereby they could continue using Section 7.2 as a barrier to closing my account, then I might accept your opinion after some consideration. Paypal could then be given notice that they have 'x' amount of time in which to close my account. However, if you were to say that you considered it reasonable for Paypal to continue using that excuse for 10 years, or even longer, then I wouldn't accept your opinion. So, for how long do you think Paypal can get away with saying that my account can't be closed, due to me 'trying to avoid an investigation' by doing so, in line with Section 7.2? This is something that I really want to know. No need for any going back and forth and I look forward to getting an answer then. Much appreciated and best wishes. 20th June 2016. It’s not for me to say how long PayPal should keep the account restricted for. As I explained in my email of 11 May, section 10.2 of the user agreement allows PayPal to suspend your account. And it does not set out that it can only do this for a certain period of time.PayPal made the business decision to keep the account suspended to prevent further use of it and so it is entitled to keep the account restricted as long as it thinks is reasonable. This decision might be indefinitely but that’s for PayPal to decide.Ultimately, it is entitled to decide if it will provide its services to you again in the future and that’s not something I would comment on.I will now arrange for your complaint to be passed to an ombudsman. 21st June 2016. I am afraid that you have totally missed something very important. So, in the interest of fairness and impartiality, hold your horses a moment please. If you care to peruse Section 10.2 of Paypal's user agreement, then you will see that it also does not set out that a suspended account can't ever be closed. Where you got the idea that it did I really don't know. For the record, I am perfectly happy for Paypal to keep all of the restrictions on my account when they close it. I am certainly not asking that they lift any restrictions prior to closing it or after closing it. Moreover, I am also happy to verify that I wouldn't accept any services from Paypal ever again in the future, even if they were to offer me copious amounts of money as an incentive. Therefore, the notion that I might consent to Paypal reopening my account one day has no substance whatsoever. So, I take it these recent, fresh developments might well shed new light on the matter in your eyes now then? I mean not appreciating the fact that Section 10.2 of Paypal's user agreement does not set out that a suspended account can't ever be closed is relevant isn't it? We all miss things I am sure, but it is relevant right? Anyhow, please confirm, as I would like to avoid any further confusion.Like I said, I am 82 years old and doing my very best to keep up here. Furthermore, if the case ultimately ends up going to an ombudsman, regardless of these new revelations, then it's still definitely no harm done covering this. It should even help the said ombudsman when weighing things up. Much appreciated and best wishes. P.S. From what I can gather, you are now not really basing your opinion on Section 7.2 then? Please confirm, as I do want to be totally clear on that as well please. 22nd June 2016. I don’t have anything further to add, as I have already addressed my thoughts on PayPal’s terms and conditions previously. However, your comments will be available for an ombudsman to review. If the ombudsman disagrees with what I have said they will explain why this is. 6th July 2016. my apologies for the somewhat tardy response, but I have been very busy dealing with another very serious matter of late. Right, moving on, there is something that I need to be crystal clear on. In your first email of 22nd June 2016 you stated the following: 'I don’t have anything further to add, as I have already addressed my thoughts on PayPal’s terms and conditions previously.' Well, you had never previously addressed the fact that Section 10.2 of Paypal's user agreementdid not set out that a suspended account couldn't ever be closed.The very obvious reason for that is I had only first raised it with you in my email of 21st June 2016. So, what I want to know, before I submit a final comment to the ombudsman for review, is are you saying you actually took on board what I put to you before dismissing it as irrelevant? Or is it the case that you didn't even bother to assess what I put to you before dismissing it as irrelevant? It is important to me to know this, it is a very simple and straightforward question as well, so I look forward to getting your prompt clarification on that point before I submit a final comment to the ombudsman for review. Much appreciated and best wishes. Well, my father and I both feel quite strongly about this. We don't see how Paypal can be authorised, by the FOS no less, to keep his account open forever. At the very least, we believe that they should have 6 years from when they first restricted his account to close it. This has all dragged on for a while now, he goes at his own pace despite my best efforts to help, and he wants to get final closure on it as soon as is practically possible. So, he wants to know if anyone can recommend anything to include in the final comment he is going to make before an ombudsman reviews the case? He wants to know if anyone has any general advice they can offer on this matter? For example, if an ombudsman sides with adjudicator, then could he potentially get some success via county court action against Paypal? All advice greatly appreciated. We feel that the FOS adjudicator has been very unreasonable here. She didn't try to run off, I will give her that, but it seemed that no matter what she was presented with it would always be wholeheartedly twisted to 'Paypal is right!'. Perhaps my father and I have lost touch with reality somewhere down the line? On the boards it says something like 30 users are currently browsing this thread. It is 1a.m. and, although some of these users are no doubt genuine forum users, that is a serious amount of bots. It isn't my field, so I haven't really got much of a clue about what, exactly, they are doing here though. Just a night howler reading interesting stuff.

Hi, I'm hoping someone might be able to help me... In August 2015 I purchased a Samsung Galaxy S6 on eBay from what seemed to be a trustworthy "phone company" with very good reviews. I received the phone exactly as described, brand new and sealed and factory unlocked. I have been on a Sim-only contract with Vodafone for a long time and I immediately began using the Sim in the new phone with no problems at all for the next 6 months or so. However, in February 2016 the phone suddenly lost all network coverage and after a few confusing phone calls with Vodafone (which also involved me sending the phone to Samsung to be tested) I finally discovered it had been blacklisted due to having been reported as stolen. Vodafone recommended that I try to get a refund from the seller on eBay or approach PayPal to open a dispute. I soon discovered that the seller had disappeared from eBay (hardly surprising if he knew what he was doing...!) and after explaining the problem to eBay they told me that PayPal should be able to help. However, I have been back and forth with PayPal over the issue and they are point blank refusing to help me due to the fact that the transaction was back in August and it was outside of their specified time cap on opening a case. I understand that this is their policy but I feel that in a situation like this there should be some sort of loophole as how was I to know that I was buying a stolen phone, especially as it was working fine until it was blacklisted!! I have spoken to CACs and trading standards regarding the matter but they simply insisted I keep on at PayPal and that without the seller's home address there's not much that can be done?! I am out of pocket of £380 and the phone is completely useless to me, and at the same time the seller of this phone (and I would guess countless other phones) is getting away with making money from stolen goods. Thank you for any suggestions!

Hi Everyone, I'm really worried sick at the moment and i was hoping someone on here could be of assistance. I've had all of my paypal funds sent to various dodgy looking companies to the total of £950. I had recently been doing a bunch of selling on eBay so the funds were sat in there so i could pay the fees. I raised an unauthorised transaction report for all of the transactions as well as changing all of my security questions and login info and they've come back saying that they don't detect any unauthorised usage so will not be assisting me. I called them and they said there is nothing more i can do. Since this has happened, i've lost loads of sleep and been feeling very sick with worry and their unwillingness to help me is making it all worse. Does anyone know what else i can do to get this money back. As it came from my PayPal balance, i'm not able to raise a card dispute. Thanks

here goes i was contacted my an ebay sellers club on facebook just a few weeks before christmas 2014 asking me to sell michael kors bags through my ebay account, i would recieve the money from the customers and i would send it on to the alleged seller, they would pay all my paypalicon fees and ebay fees, im very vunerable and fell for this [problem], i started to send money onto the supplier andd customers didnnt revieve thier items so requested a refund back through paypal (im glad these customers got thier money back) however my paypal account is now in a deficit of £4500 .. this wouuld be the total amount i sent through to the alleged supplier.... the plot thickens.... i contacted the email address that i was sending money onto she said she thought she was recieving money for goods as contacted by the original [problem]mer, the [problem]mer advised her to send the money she had recieved from me to a western union account and the [problem]mer would send the goods out to me.... so now the [problem]mer is no where to be seen ive reported to action fraudicon we have the western union name and the [problem]mer has set up various other facebook pages selling stuff action fraud have passed this onto the met police and said they can help but will reply in 28 days as to what they are gonna do however paypal are now pursuing me for the money even though i have advised of all of the above paypal say i authorised everything on the account and the account is my responsibly and so therefor i need to make a payment.. borrow it, anything to get the account balance down basically i said i do not have the money none of the money has physically passed to me i have a crime ref number from action fraud they said that is no use to them and if i dont pay the amount outstanding it will be referred to a debt collectionicon agency, even though it is being investigated by action fraud/met police and i have to wait 28 days... what do i do where do i stand? i even rang citizen advice and they said they cant pursue it while its being investigated please help me, this is distressing me so much thanks in advance

If you buy an item online and pay with Paypal they have a promotion where if you change your mind they will pay the return shipping costs. It runs to the 31st August and can be used 4 times up to a value of £15 each time. You need to opt in and it appears to be valid for all Paypal users. https://www.paypal.com/uk/webapps/mpp/refunded-returns Terms and conditions: https://www.paypal.com/uk/webapps/mpp/refunded-returns/general-conditions

Hello I bought 20 toys from someone on ebay. We arranged a sale outside of the auction site as I only wanted 20, rather than the 50 the seller was selling (as a bulk lot). They cost about £100. When they arrived, one toy was completely different to that of the agreed list. I notified the seller straight away and they said they would look at their stock and get back to me. They never did, I started a PayPal claim for £5. The seller then emailed me asking why £5, I said this was the price paid, divided by the amount of goods bought. The seller did no respond. Upon waiting for PayPal's time scale, I escalated it to a dispute for the full amount (£100). The seller did not respond, despite regular emails from PayPal to do so. After the time limit, PayPal awarded me the full amount refund. The seller has since contacted me and asked for me to "please pay for toys" I have not responded. Within days, they had begun finding me on Facebook, contacting me through ebay, and now finally they have written to me (recorded delivery). The seller has no interest in sorting it out in the beginning, which is why I applied for a full refund. i am still in possession of the toys sent. I originally said I was happy with the other toys (as I still am) and happy to receive a partial refund (of £5), why am I not re-paying? The seller had every opportunity to respond and help resolve the situation but didn't It is only since PayPal refunded that they are now fully into action. The details of the letter are: Stating they will be taking me to a small claims court (already threatened this by email/ebay messaging). Interesting that the CAB website states the usual (and reasonable) amount of time for this is a calendar month. The seller has given me 7 days from the date of the letter, so 6 days after I received it - not exactly "reasonable". Charging me postage for the letter they've written. £1 per day of interest, starting the day I received the full amount back. Charging me for any legal advice they may need to seek. Charging me for the cost of sending this to a small claims court. The seller states I proceeded "without notification" to make a claim for the full refund, when this is not true. The initial PayPal claim was for £5, but as this was ignored, I escalated it to the full amount. From what I can see, PayPal emailled the seller on numerous occasions. The timeline from PayPal is below: 26 Feb 2016 - Buyer: Dispute opened 26 Feb 2016 - PayPal: Email sent to buyer 26 Feb 2016 - PayPal: Email sent to seller 1 Mar 2016 - Buyer: Dispute opened 1 Mar 2016 - Buyer: Dispute escalated to claim 1 Mar 2016 - PayPal: Email sent to buyer 1 Mar 2016 - PayPal: Email sent to seller 8 Mar 2016 - PayPal: Email sent to seller 12 Mar 2016 - PayPal: Email sent to buyer 12 Mar 2016 - PayPal: Email sent to seller I have italiced the dates in which PayPal contacted the seller. What are my options now? I plan to respond, by letter (although I may email the letter instead) asking a number of questions as to why the seller did not bother to mediate when they had the chance - and even now, they have not asked me to repay the £95 - just going all out and telling me this and that. Sorry, I know it has been a long post.

Hi Guys, I sold an item back in November via eBay. Customer then opened a PayPal case for SNAD in February and PayPal informed them that the item should be sent back to me, once it was sent back, they issued a full refund. The item arrived back broken and I called them up, I was then informed to report this to ActionFraud which I did and to provide them with the Ref #. I did this but this was not enough, they want a letter with Ref #, I am chasing Action Fraud for this. Everyone at PayPal says something different, one chap said the Ref # is enough, then another said I need the letter headed paper from ActionFraud! these guys Akinika have sent an email, of course I have not contacted them but I just had a few questions: Can these guys affect my Credit Rating, I never had no issues before and I don't want any sort of mark on my Credit Record. Do these guys have any power at all, reading the forums, I see they referred to as potless DCA, Any help would be much appreciated, Regards

Before you start planning to retire, this is in the U.S. but as class actions can now be done in the UK, it's good info to keep in the back of your mind.

I contacted an ebay seller before Christmas regarding the purchase of FIFA coins for my son. He promised me that he would be online on Christmas Day so that he could email me the details. I spent £79.99 and seller has not responded. My son has not received his much anticipated FIFA coins and the seller has ignored all my emails. I contacted both ebay and paypal to be told that they do not cover electronic downloads as part of their buyer protection scheme. I have been left in limbo. The money has left my account and I have nothing to show for it. I have emailed the seller stating that I would like a refund as my son has bought FIFA points elsewhere. What can I do? I would appreciate any help you can give me. Thank you.

On 28/9 I attempted to buy some Tyres from a well known online Tyre distributor, upon entering my Paypal Mastercard payment details, the payment was immediately declined. Thinking it was simply a glitch with the checkout / website I waited a few minutes and then tried again, which was also declined, finally I tried a third time and this payment was also declined. I then checked my emails, to find that I had three emails from Paypal confirming that each of those three declined payments had been individually deducted from my paypal balance, 3 individual payments totaling £736.68. I then logged back into the Tyre Vendors' website and confirmed that no active orders had been placed with them, a phone call also confirmed the fact that they have received no payment from me, and had no orders on the system. I then logged into my Paypal Access card account, to see that the three declined payments hadn't actually been made, but were now appearing in a 'pending' status, and there was no way of cancelling them. I then contacted the card issuer - Prepay Technologies, using the 0845 number provided by Paypal, the person I spoke to, was very sympathetic but declared that there was no way that they could manually cancel off the three payments held in pending status and return the balance to my paypal account, and I would have to wait until 25th November for the pending status to essentially time out and the balance to be returned. Not happy at hearing the news that over £700 was going to be out of my reach for nearly two months, I asked to speak to a more senior member of staff who basically repeated the same thing, but advised me to contact Paypal to see if there was anything they could do to overturn the original payments to the card. So I contacted Paypal on their support number, who were even less helpful than Prepay Technologies, they stated that all they could do was escalate my complaint to an "Account Specialist" who would let me know their decision within 48 hours. Needless to say, that was almost a week ago and no email has been received. A further call to chase it up with Paypal has resulted in them simply washing their hands of the problem, stating that obtaining the refund is an issue between me and Prepay Technologies, and I should contact the card support 0845 number, and so the circle continues..... Obviously having £736 gone from my Paypal balance and tied up and out of reach for nearly two months simply from what are essentially duplicated declined transactions, is a problem, and the lack of funds is also now preventing me from making the purchase I had originally wanted to do in the first place. I'm guessing that the rules for prepayment cards differ from normal credit cards, but are they really able to hold a refund from what were immediately declined transactions for that long?. Any advice would be much appreciated.

Paypal have been closing and freezing accounts in the UK and EU citing US laws and regulations which it is trying to impose here in the UK and EU. This I believe is illegal. I have located what I believe are two pieces of legislation to back this up: THE PROTECTION OF TRADING INTERESTS ACT Link: http://www.law.stetson.edu/lawreview/media/u-s-secondary-sanctions-the-u-k-and-e-u-response.pdf and the following EU legislation: Council Regulation (EC) No 2271/96 of 22 November 1996 protecting against the effects of the extra-territorial application of legislation adopted by a third country, and actions based thereon or resulting therefrom Link: http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:31996R2271:EN:HTML My question is can I use both pieces of legislation in making a claim against Paypal for the closure of an account in the UK when no UK law has been broken in the use of the account? This being in a small claims action for damages caused by such a closure and asking for the reinstatement with no penalties of the account closed? Also does anyone know of any other legislation that can be used in regard to unfair business practice in what Paypal are doing in trying to enforce foreign law in the UK where such law has IMHO no jurisdiction? All comments and input are welcome whether positive or negative.

Hi, I'd like to thank anyone in advance for helping me. I'm looking a bit of advice. Around May time I was selling shoes on eBay. The items were as described and brand new. But I sold one pair through paypal invoice t to a guy in russia. I had since closed the PayPal account. after the account was closed a dispute was opened, and I couldn't do anything. I have since apparently owe PayPal 190.24 but I have never received the shoes back either the buyer gets a win win. Today I received a letter from akinika about paying the debt. I'm wondering if there's anything I can do. Or if I am to deny/prolong this will I end up paying more? Is it also possible to get them to wipe the debt by paying say 100 right away rather than paying a very low direct debit amount each month? Thanks, Michael