Can Abbey and Paypal really do this to me?

[fuzzybobble]

Hi there,

 

My problem is with Abbey Bank.

I was made redundant a few months ago and racked up around £1000 in bank charges in the space of 3 months.

As a result of the CAG I'm now at the letter before action stage with Abbey to get my money back. As a resut of this I set up another

bank account with Natwest to avoid any more charges, and told Abbey I wanted to close my account. a few weeks later they finally bothered to contact me and told me they would be closing my account and sent the paperwork to confirm that I had destroyed my cheque book and cards. I returned this to them. However 2 days ago I got a statement from Abbey, on which Paypal had tried to take £200 out of my account on two sperate occasions, and Abbey were charging me £70 for this.

 

How can they charge me for a closed account? Also why are Paypal trying to take money out of the closed account when I'm already paying a DCA for the same Paypal debt?

Can they legally do this? If not, what should I send in the way of a letter to make them stop.

 

Thanks in Advance. Fuzzybobble

[shane5408]

Hi Fuzzybobble,

 

When you say paypal tried to take the money i assume you mean Direct Debit? If so i would immediately cancel it, and any others you may have set up with creditors / DCA;s and replace them with Standing orders, it gives you more control of payments and avoids any penalty charges in the future.

 

With regard the £70 charges from abbey add them on to your current claim, luckily you havent yet filed at court

 

kind regards.

shane

 

 

____________________________________________

All advice is offered freely & without prejudice

 

 

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[fuzzybobble]

Yes, Paypal tried to take the money by direct debit.

The account is closed and I have it in writing from Abbey,

so why they allowed adirect debit on a closed accountis a bit of a mystery.

 

The £70 has already been added to my spreadsheet and will be

sending in the N1 forms to the court in 2 weeks time.

 

Isn't it a good feeling to load up the spreadsheet every month

and see the amount rise because of the interest charges?

So far they owe me £1300

[IdaInFife]

I would be more concerned why you are due paypal this money whilst they are collection the debt?

 

I would check your ebay and paypal acccount to make sure it hasnt be hijacked!

 

Idax

[fuzzybobble]

Hi,

 

The Paypal debt is due to my bank taking £300 in charges out of my account and then bouncing all my direct debits/cheques for that month.

As a result Paypal account it now with a DCA that I have already arranged a repayment plan with.

What I'd like to know is, can Paypal legally try to take money from a closed account while they also have a DCA collecting the same debt?

Also can Abbey charge me for returning 2 direct debits on an account that was closed 2 months ago? Surely when you close an account

they also cancel diect debits etc?

[fuzzybobble]

Can anyone advise me?