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    • we're here for you. take your time.  dx  
    • then the who thing cannot have anything to do with paypal then, they cant be involved at all. chargeback fee? from whom never heard of that one either. ebay/paypal must have changed their T&C's again then since the demise of brexit and EU agreements. i can only assume he paid paypal, who acted solely a payment intermediary, to buy your trainers from ebay. and ebay added a £14 processing fee? thats unlawful hence their refund. i dont think there is anything you can do here sadly. classic ebay scam that goes back +30yrs. just now rejigged for the 22nd century.  typically it only resulted in an unenforceable paypal balance that you simply walked away from... but now ebay has obviously tightened up on losing out to these scammers and added an unlawful fee to scrap some of their historic losses back.      
    • Apologies, I am still getting used to the site. Understood, ill have a read and come back if I have any other questions. Thanks 
    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does not matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
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Guest Sychoski

I've decided i'm going to ask each pay day company i owe money to exclude me from re-applying again when my oustanding balances are cleared.

 

If i request this do they have to do it by law etc?

 

Would like this done to protect myself in the future although i've pretty much learned my lesson now.

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Got to say I have found them all quite good so far surprisingly with this kind of request in fact the only one I get emails to reapply of are Quick Quid - and then this goes to my spam box now!!! :madgrin:

 

I just sent a short little message to each one as the account got paid up or on the account facilities on each individual website ticked 'unsubscribe' this should be an option in the personal details area or on emails you may have come through in the next couple of days click on the unsubscribe feature there at the bottom, I also found changing my phone numbers has helped so I can no longer receive text messages either as well although maybe not practical for everyone I know

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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