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Hi guys, I hope someone can read my story and help me out a bit with this :-)

 

A couple months ago I sold my computer on eBay to someone with a good, trusty account with great feedback.

 

He paid using PayPal (at which point I transferred the money to my bank account) and he collected the PC later that day.

 

Right after he leaves my house, I get an email from PayPal saying the transaction had been reversed because of suspicious activity.

The guy was gone.

 

Later that day I found that my PP account had been limited and I was on negative -£1500 (the price of the computer).

 

When I called PayPal that day, they advised I should contact the police, which I did (and got a crime reference #),

but that I now owned the money to them.

 

Oh, and the 'real' ebay member messaged me saying his account had been hacked.

 

A few days later PP started calling me but never picked up the phone myself so they never spoke with me.

 

I also received emails from them asking me to put money on my account, I never replied.

 

A month later I received a letter from EOS saying I had to pay the same amount.

 

Yesterday they called me asking me to confirm my identity bla blah, to which I only confirmed my first name.

 

They said I would receive another letter soon, or so I understood, though I hung up while the guy was still talking.

 

I have read these forums for a LONG time and have almost decided to send EOS a letter I found on another thread.

I genuinely feel I do not owe money to anyone, obviously, as I have always acted on good will.

 

Even though I understand that they are not a bank,

 

I'm a bit scared that they will eventually get damage my credit score.

 

Can this happen?

 

Can they actually prove the debt?

 

Should I send them a letter or just ignore them?

 

Thank you so much for reading this!!

 

I appreciate any advice you have on this.

micguy.

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paypal/ebay are a bank and cash trash your cra file.

 

however, if fraud is involved you should ot be held responsible.

 

EOS are only a DCA so dont worry - no legal powers.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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paypal/ebay are a bank and cash trash your cra file.

 

however, if fraud is involved you should ot be held responsible.

 

EOS are only a DCA so dont worry - no legal powers.

 

dx

 

Thanks dx100uk!

 

So when will/could PP damage my CRA? Could it be as we speak or do they first need to send me to court or something?

 

I guess, my question is what should I do moving forward with this situation to prevent anything else from happening? There definitely IS crime involved no doubt about it, they have admitted it and I've recorded my phone conversation with them.

 

Thanks again for your reply, I'd love to hear what other people think.

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hold them at their word.

 

write to paypal.

 

tell them that as they have admitted fraud was involved and it was not YOU

 

why have you been 'fined' £1500 for THEIR mistake BEFORE its been to court.

 

if THEIR system was better managed, then it would NOT be open to FRAUD.

 

give them 14 day t positively respond to your OFFICIAL COMPLAINT.

 

else you will move toward court proceeding to recover YOUR reputation..

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thread moved to Debt collection forum

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thats why we use paypal to protect us, they lost the 1500 to the other party, your the easiest target by the looks of it, i would hold the 1500 safe, get the police involved, personally i think your home and dry after all your pc is gone, paypal lost the money after they had paid you, but i wouldnt spend it all just yet til its sorted which im sure it will...sooner you inform police the better,also paypal should inform them too.

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