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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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Help with complaint please.

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On 23rd July I sent a letter of formal complaint to a DCA. It was sent recorded delivery and was delivered and signed for on 24th July.


The complaint is regarding the DCA sending me letters theatening legal action for not communicating regarding a debt and for not making payments. I have been making monthly payments for almost 3 years to this DCA and have all proof of them cashing cheques. My letter of complaint was detailed and clear, I also requested a Statement of Account and a copy of their complaints procedure.


This morning I received a letter from said DCA, which I presumed would be in response to my complaint.....low and behold it is another letter stating that 'It is apparent that we need to start the litigation process to resolve this matter'. The letter is dated 31st July...a week after they received my formal complaint letter. There is no mention of the complaint I sent. However, their letter writer states 'it is my responsibility to progress your account through the litigation process, but also to assist and inform you on any query or questions you may have.'


Please could someone advice me what to write in response to this and also what to write to complaint that they are ignoring my complaint...if you get me! I just seem to be going round in circles...me saying I have been communicating & paying, them ignoring me and saying via computer generated threats you haven't.


Many thanks.

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Do they have any right to collect anything from you at all? Have you asked for a copy of the credit agreement? As for your immediate situation with them, ignore them. They would look pretty stupid going to court when you have been making payments and they know it - these are just standard threatograms. They are just putting pressure on you to pay more and usually in that situation they end up with nothing as there is no agreement. If they had a brain they would be dangerous.

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I get the same problem, seems strange to me with over 2 million out of work they cannot find some to employ who can read, but then perhaps those who can read are to bright to want to work for them.


I wish i could give you some sensible advice, but by sending it recorded there is not much more you can do. Needless to say they would never be so stupid as to follow through with their threats.


Other than taking them to court to get then to lay off, I can't think of much more. After a while sending letters to them is just like any other unpleasent chore.

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I know we say dont call but I would be tempted in this situation to call and ask if they can read, and if they cant to pass your last letter to the 2 year old in the corner who is on Janet and John stage 1 book




Getting There Slowly



Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks all for the advice, I think I'll go for ignoring their latest threat. I did state in my formal complaint that if they did persist with their threat of court action that I didn't consider a Judge would look kindly upon it as I have kept to the agreement made and could provide proof of all payments and have copies of all correspondence. I suggested legal action under such circumstances might be viewed as vexatious litigation.

Mind you as you've pointed out they probably haven't got an employee who can read!


Out of interest if there a set time period in which they are required to respond to a formal complaint?


Thanks again folks :)

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The time period for a reply the FOS give them is 8 weeks.

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dont worry as you have been keeping up the payments no judge will be on their side. Just ignore them let them do all the work. Theyll either stop or pass your debt on.

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Consumer Direct when they receive your complaint they will pass it straight onto Trading Standards for you.


The Office of Fair Trading: Contact us


Financial Ombudsman Service


How to Complain

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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