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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Buccaneer001

Problem with ebay & PayPal!

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I am a UK national, domicile in UK although I occupy much of my time in the Philippines where I have a business, and with my ebay (UK) account I made a purchase from a listing on ebay (UK) priced in British pounds, for delivery to an address in UK (England & Wales) and paid for from my PayPal account which just happens to be a Philippines PayPal account.

 

My purchase transpired to be a fraudulent one so within their 180 days timeframe I opened a complaint with PayPal only for the (Indian) seller to pull a fast one and they, rather than I, escalated my complaint for PayPal to adjudicate and with no investigation whatsoever PayPal adjudicated against me wrongly believing the lies of the seller … and of course PayPal notify one of this by an email that cannot be replied to, that there can be no appeal etc. etc. etc. so I filed against PayPal (Europe) via Money Claim Online.

 

Now if one attempts to go shopping with any UK retailer that accepts PayPal, Wilkinson to name but one, and one attempts to have delivered to a UK address using a foreign (Philippines) PayPal account then one receives this message:

 

“We're sorry, PayPal Philippines accounts cannot ship purchases to United Kingdom.”

 

But ... If one shops from an ebay (UK) account, on ebay (UK) and with delivery to a UK address using a foreign (Philippines) PayPal account then no problem at all, the transaction approves immediately.

 

Taking PayPal to court their solicitors appear to have dropped their rebuttal that my purchase, the seller, was fraudulent, that they didn't investigate etc. and it seems their only defence is that as an ebay (UK) account holder, making a purchase listed and paid for in British pounds from ebay (UK), with a delivery address in UK, but with a Philippines PayPal account, their solicitors are arguing that I need to be taking this to a court in Singapore (Where PayPal Philippines are registered) and that I agreed to this when clicking to agree to their terms and conditions and all that nonsense.

 

PayPal's solicitors deny that they are in any way the same business as ebay, as ebayer's know when we click to 'resolve a problem' we get offloaded to PayPal for here, in this scenario, PayPal to ultimately reply, to the effect, "Yeah right, but you need to sue us in Singapore and not in your own country and where any fraud took place".

 

So my points, my questions are:

 

1. Whether they are the same company or not ebay (UK) have sub-contracted PayPal to deal with their customer complaints and PayPal have clearly accepted such a contract with ebay (UK).

 

2. And for this UK to UK transaction PayPal clearly broke their own rule of using n a Philippines account for delivery to a UK address, whether this is a money laundering law dictated by state or whatever, that a Philippines (Singapore) company has clearly accepted to deal with any customer complaint of a UK to UK contract and purchase.

 

3. We haven't yet made it to court, we're still in the stages of 'foreplay' but their solicitors are hiding behind "We're PayPal Europe, PayPal Singapore is nothing to do with us buddy".

 

4. So do I have a case to continue proceeding against PayPal Europe and what should my (legal) angle of attack be? And/or:

 

 

 

5. If I do need to proceed against PayPal Singapore, when indeed that PayPal is a global organisation, if PayPal Singapore are trading in UK, as they did with my transaction, should they not be held accountable to, as necessary, appear in court in UK to answer to any misdemeanour and not hide away in Singapore?

 

Thanks in advance

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Hi

 

I am a British Expat living in the Philippines and have problems with PayPal. After contacting them I understand that there has been a severe increase in fraudulent transactions from the Philippines which has caused problems in the Western World.

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eBay and PayPal are no longer part of the same group of companies. ... eBay will continue to work with PayPal for payments, refunds and holds.

 

They split so PayPal could take on Apple and Android Pay

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Their UK solicitors are happy enough to offload UK misdemeanours to PayPal Singapore but I've just performed a whois search and guess who owns paypal.co.uk?

 

Domain name: paypal.co.uk Registrant: PayPal PTE LTD. Registrant's address: 5 Temasek Boulevard 09-01 Suntec Tower Five Singapore SG 038985 Singapore

Edited by Buccaneer001

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Your argument with Paypal should be along the lines of the purchase was made in the UK, paid for in the UK for delivery in the UK therefore UK consumer law applies.

 

As has been said eBay and Paypal are now to all intents and purposes separate companies.

 

You will probably find that Paypal will cave in if you stick to your guns. But you will find your Paypal account closed - though it is an easy matter opening a new one using a different email address and bank account from the previous one if you should wish to do so.

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Well my claim is for GBP144.00 whilst their solicitors are based in Aylesbury and I've called for the case to be heard in Sheffield County Court.

 

It's going to cost them thousands to defend a case of a mere GBP144.00.

 

My point entirely that this is a UK domestic sale but they probably have a point that when I clicked a button historically I agreed to the Singapore nonsense however now that I have learned that paypal.co.uk is owned by PayPal in Singapore they could be considered to be the same company

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you bought through ebay UK so UK law is applicable to the purchase. When I log in the paypal.com theri system recognises that I am in the UK so defaults to the .com/uk page. Patently in the Philippines the paypal page has defaulted to the local one and you cant change that but I'm certain that doesnt chaneg the location of the contract. For a bit of clarity though, was it a UK bank the funds came from?

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No, alas it was a Philippines account and/or card that the payment came from.

 

It is eBay (UK) that GUARANTEED me a refund, in fairness to PayPal they didn't guarantee me diddly squat and as separate companies PayPal cannot be held accountable for eBay.

 

I tried suing eBay (UK) some months back over a separate issue and they didn't respond, trying to establish the up to date registered address for these fly-by-night characters can be an achievement in itself, regardless of what google may come up with does anyone have a current registered address for eBay (UK),k one that they may actually have had a response from?

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If it is causing that much of a problem set up a VPN. There a a couple of good free one but the subscriptions are the best

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Virtual Private Network.

Using a VPN hides your is address and allows you to connect to sites that are either not allowed in the country or you are not allowed to access due to your location. Google What is a VPN and you will get a better description. I Use a VPN to access the BBC iPlayer

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Ah, the same as, or similar to, a proxy IP address, PayPal or eBay wouldn't know where I were right up until I ask for delivery to a Philippines postal address!

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This was my most recent email to their lawyers:

 

Dear Ms W,

 

Whilst I accept and understand that, these days eBay and PayPal are different companies given the circumstances it is difficult to talk about one without talking about the other, I would be of the opinion that my grievance, my claim, should be with eBay (UK) Limited except that clearly such is the relationship between eBay and PayPal that, it would appear, eBay have sub-contracted their customer complaints to PayPal and PayPal have accepted such a sub-contract, indeed to copy and paste confirmation of this:

EBAY MONEY BACK GUARANTEE

 

“We guarantee you get the item you ordered or your money back.”

- Tony, eBay UK

 

Free, automatic coverage

 

We want you to shop hassle-free on eBay.

 

Most purchases go through with no problems at all. However, if your item doesn’t arrive or wasn’t what was described in the listing:

 

We'll make sure that you get the item you ordered; or

 

You’ll be refunded the purchase price and original postage costs if you paid using PayPal.

 

So I fall within the criteria that I didn't receive the item that I purchased, the item that was delivered to me was not of "new" condition, without any user manual and of a counterfeit appearance, that 'Tony' of eBay UK guarantees that I will get my money back and that I'll be refunded the purchase price etc. because I paid with PayPal.

 

Please note the requirement, to be guaranteed my money back, was that I pay by PayPal, not necessarily PayPal (UK), PayPal (Europe) or PayPal (Singapore), just PayPal thus I have met the requirement(s) of the money back guarantee of eBay (UK) Limited.

 

If you, upon behalf of PayPal, are suggesting that PayPal have no such agreement with eBay (UK) Limited then perhaps that is something that PayPal need to take up with eBay (UK) Limited because that is not the message that they are broadcasting.

 

Now if I attempt to make a PayPal purchase with any UK retailer for delivery to a UK address using my PayPal Philippines account I receive the following message:

 

We're sorry, PayPal Philippines accounts cannot ship purchases to United Kingdom.

 

But if I make a purchase with eBay (UK) Limited with delivery to a UK address, as I have done many times, PayPal break their own rule and allow me to use my PayPal Philippines account domestically within UK.

 

It is also noted that paypal.co.uk is registered to PayPal PTE Limited of Singapore so the Singaporean smoke screen that you have been hiding behind is one and the same as PayPal (UK)!

 

So Tony of eBay (UK) Limited GUARANTEED me my money back if I paid by PayPal, if PayPal find themselves unable to honour that GUARANTEE then perhaps PayPal may take it up with, or provide me with the electronic contact information of, Tony!

 

I am proceeding with my action and have asked for the case to be heard in Sheffield County Court

 

Regards

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