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Fight with Santander and Paypal

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Hi.

 

Over the last two years I have been fighting it out with Santanderlink3.gif and paypallink3.gif, and I am coming to the end of my tether...

 

I will start at the beginning.

 

Shortly after joining paypal I noticed that for some reason PayPal were telling me that small transactions had been completed when I had no money in my bank. This struck me as odd (as it had never done this before). So I made some massive test purchases (about £7000) although they were declined I still cancelled them instantly (just incase anything had gone through and I recieved any goods).

 

The next thing I know is Santander are telling me I have bounced funds.. I check my statement and see that I have a load of bounced direct debits that were set up by paypal on there. At the time it said they funds were going as an "echeque" whatever the hell that is... It did not say direct debitlink3.gif. Anyway. I thought Santander was to blame so I took them to the Ombudsmanlink3.gif who said that Santander was only acting on information given to them by PayPal.

 

I rang PayPal today and they said that all they do is advance the funds then claim it back from the bank. I said that that didn't matter to me, and as far as I am concerned when I cancel a transaction I expect it to be cancelled and not to go on undercover then hit me out of the blue. They kept repeating the same lines. This, has of course affected my credit rating, and santander keeps sending me letters over the last two years asking for money.

 

I am not paying anyone anything. I made no transactions. No money was sent from me. No money was recieved. No one sent or recieved any goods at all.

 

What do I do now? Should I take paypal to the ombudsman? I just want this situation over with and my credit rating sorted out. I am 20, and I need to be able to get credit! I should also add that aside from this my credit history is perfect. I have never missed a payment to anyone.

 

Thanks

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