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    • I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter I’m struggling to pay them so will want advice on letters to send them for reduced payments etc But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me
    • Help & Advice wanted on PayPal debt please I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was to late they had a gambling problem also and last off used my PayPal to fund online gambling . They ended up using £5,000 through PayPal and the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal so I looked straightaway and stopped / cancelled my bank letting PayPal take from my account . Then I logged on to PayPal and seen transactions 1 after another this going to total the £5,000 so I unlinked my bank & cards from PayPal account . Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 . I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was took out of my account was all I had, I’m very annoyed and feeling very mad and very ill. Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter . I need to sort this but dont know how or best way to go about it. Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe. So again I get emails and I reply but not getting any reply back to my emails . Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her . Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right but so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet So what can I do and whats best way to deal with this I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere
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Hello guys and girls... I am after some guidance.


I have motorbike insurance through A-Quote but there is a third party called Premium Credit Ltd that is taking my monthly DD payment.

My June payment have been returned (twice) unpaid by my bank because of insufficient funds(i know, i should have known better!).


Now Premium Credit Ltd sends me as letter stating that they were unable to collect and a DEFAULT charge of £20.00 been added to my account, and this particular letter is to be treated as a default notice served under s87(1) of the Consumer Credit Act 1974.


And it goes on to explain the remedy and consequences...etc etc.


My question: can they issue a default notice, after one single payment went unpaid? thanks in advance.

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i'd be more concerned as to if your insurance was still valid first!


a default notice has to give you 14 clear days before any action.

i would think the charge is invalid.



please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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DX my insurance is still valid, the letter was dated 16th June and i need to remedy by the 30th June (which will be done tomorrow 19th).

After that date they will write to A-Quote to cancel insurance.


Now this seems a bit extreme to me... miss a payment and they instantly fire a Default Notice with £20 charge attached to it?


Can they actually attach a charge to the default notice?

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Premium Credit are basically a finance company with whom your brokers/insurers would have passed your details. Basically you have taken out a loan to finance your insurance premium.


Therefore like all banking/finance institutions they will make charges for late payment/defaults.

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Basically you have taken out a loan to finance your insurance premium.


Errr no! when i ve taken out the insurance A-Quote asked me how would i pay the premium: one lump sum or direct debit? i ve chosen direct debit.


As far as I remember i have no contract with Premium Credit ltd, they're only taking payments from me.

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The process it dealt with on a telesales contract without needing your signature, all they have to do is send you the letter with the terms of payment and contract.


Not all insurance companies offer their own direct debit arrangements so the likes of Premium Credit & Close Brothers & others basically finance peoples insurance premiums to enable them to pay by instalments.


It is a loan much the same as any other, if you default they write to you and if your don't pay they have the right to request your insurers cancel the policy. If the refund (if any) is not sizeable to settle the outstanding balance they will then take you to court/ instruct bailiff's!

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So let me get this straight...


They passed my data to this company, i have entered some sort of contract with Premium Credit without me knowing and this contract is actually binding?


i can't remeber ever signing anything!

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Have to agree with Shudder here!


PCL are a major premium finance provider. This is a separate agreement, PCL pay the full due premium to the Insurer/Broker. They will frequently set up the arrangement without you completing a direct debit mandate, sometimes PCL will send an application for signature and return.


You may well find that the arrangement is explained in A Quotes 'Terms of Business Agreement/Key Facts Document' that they will have sent you.

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However all of this *should* have been explained to the policyholder at inception of the policy.

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