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    • Hi everyone, I'm in need of some urgent advice please. Apologies for the long post - I felt it was better to provide all the information clearly at the outset.   I purchased an office stool (that cost £104.39) online, which was delivered on 18th May. After assembling the stool, I found it wasn't suitable for me, so contacted the seller on 27th May to initiate a return.    The seller told me that there would be a "£24.95 handling charge" for returning the item. He quoted the terms and conditions from their website to back this up (please see below), although this is confusing because 35% of £104.39 does not equal £24.95: "Please note that furniture items are subject to a 35% restocking fee. Furniture returns will only be accepted if the item is unused and still in the original packaging. All furniture returns must be made within 14 days of delivery."   I told the seller that, under the Consumer Contract Regulations, the trader cannot charge any fees in the event of cancellation. The response was: "If you not happy to pay for the collection charge for us to arrange this with a courier to uplift then you can send this back to our office directly arranging your own courier, please note we would not cover the cost if this is the case."    I agreed to this, because from my reading of the CCR I thought that the customer was responsible for return delivery:  (5) The consumer must bear the direct cost of returning goods under paragraph (2), unless— (a)the trader has agreed to bear those costs, or (b)the trader failed to provide the consumer with the information about the consumer bearing those costs, required by paragraph (m) of Schedule 2, in accordance with Part 2. Also, from getting quotations online I thought I could arrange delivery, for what was at the time a smallish box, for a much cheaper price (£7-8).   However, when I tried to disassemble the stool for return, it would not come apart. I contacted the manufacturer for further guidance, but the only how-to video they had available was not applicable to the model, and the manufacturer representative was unable to provide further instructions.   I have now been sent a 'built box' to return the stool without the need to disassembly. The issue is that the size of the box means that shipping charges are now £30 minimum i.e. more than the 'handling charge' the seller quoted.    Am I obliged to pay this return fee, or should this actually be something the seller should pay for? 🤔 I feel like I may have two potential arguments against it: Return delivery would not be nearly so expensive if the stool had come apart as the manufacturer said it should.  The Consumer Contract Regs state that a consumer is not responsible for return shipping if the trader has not provided information about the right to cancel and about return shipping on a durable medium.    What even counts as a durable medium? The dispatch note that came with the stool had no such information, while the order confirmation email simply had a link to their terms and conditions (which includes the statement about the restocking fee quoted above).   Does this clause mean the seller is still obliged to pay return shipping? Any advice would be greatly appreciated! I'm starting to stress a little about this because the 28-day cancellation-and-return period will be in two working days (although I realise that may be extended if it can be considered that the seller did not provide the required cancellation information).    Thank you in advance!  
    • so what you mean is that "each" parcel contained a single dinner plate. Thank you that clarifies things. As you been advised by my site team colleague, please make sure that you read around a substantial number of the Hermes stories on the sub- forum. You will get to understand the principles and also the similarities and approach from Hermes. Of course Hermes is being abusive of the system because they exploit a taxpayer funded under resourced justice system simply to put their customers into a kind of triage where only the most persistent finally get through to the end which is almost always – mediation – and then will manage to get their money or most of their money. Hermes are abusive of this system and of course they are actually going to spend more money than the value of your damaged items trying to smash you down. Because their attempts to crush you are effectively subsidised by the taxpayer, they don't really care. Make sure you understand what they will say about the prohibited items list because your plates are made of china or porcelain and will be prohibited items, according to Hermes. On the other hand, they were correctly declared and they were accepted for delivery. The values were correctly declared – and once again after you have completed your reading, you will understand the significance of this. Hermes will also try to say that you didn't have a contract with them and you should sue packlink – who conveniently – are based in Spain outside the jurisdiction. They were say that you are attacking the wrong people. Once again, when you have completed your reading you will understand the standard reply to this. Once again you will discover that this is Hermes being abusive of the system and misleading their customers as to what their rights are. Make a formal complaint to Hermes. Tell them that they are responsible. Don't give them a deadline, but wait a reasonable time – 10 to 14 days – after which you will send them a letter of claim if they haven't put their hands up by then or if you have had no response. By that time, you will have done enough reading to understand the way it goes but we will advise you and support you all the way.   Come back here when you have been knocked back by Hermes and we will take you through the next step  
    • @BankFodder is this ok to send to all contacts at aviva regarding the final notification debt letter theyve sent   I received your correspondence regarding the notice of debt dated 8th June received 12th June giving me 7 days to make payment. I don’t owe this money and the policy was taken out by my brother by a fraud in which you were complicit. The police are aware I have a crime reference number 1XXXXX this fraud is being investigated by PC XX, she will be emailing yourselves I give full authorisation for her to discuss any aspects of this case with yourselves.
    • Hi @BankFodder. If you would care to look at the original post from last night it details 2 Parcels and Contents and also the approx value . The value is the combined price of the 2 Parcels excluding postage.  In my reply to you i stated the contents were a Dinner Plate. That was 1  in each of the parcels. And No i did not purchase extra insurance as the standard £25 would cover each parcel
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A few days ago I completed a few transaction over LocalBitcoins.com to a buyer named Muumbis (currently blocked) who seemed to be a trusted user, had good feedback and 2 months of multiple transactions. The buyer sent me the funds through a PayPal transfer, and then I proceeded to send/release the bitcoins to his account once the money hit my account. These transactions were very profitable to me, amounting to about 40% of profit over the then exchange price of bitcoin.

 

Only after 6 PayPal transactions amounting to a total of around £11000, I noticed that the person’s details included in the PayPal account used to forward all these payments differed greatly from the personal information of this LocalBitcoins.com user.

 

For comparison sake, the owner of the PayPal account is a Canadian, while this person seems to be based in Netherlands (Proxy, likely) and has a verified phone number from Kenya, as well as, beginning of a different gender.

 

As of now PayPal as yet to contact me about any irregularities in these transactions and I made sure I transferred all my PayPal balance to my savings account. However I’m confident I got [problem]med and it’s just a matter of time until these payments are flagged as unauthorized transactions and the owner of the PayPal account files a chargeback against me leaving me empty of bitcoins and about 5000£ of negative PayPal balance, which I have no means to payback as I’m student and I already have some debt going.

 

Summary, I sold some bitcoins at 40-50% in profit to a guy who used a hijacked PayPal account to pay me. It’s just a matter of time until the victim of the hijacked account files a PayPal unauthorised transaction/ chargeback against me. PayPal then reverses the transaction and the [problem]mer gets the bitcoins while I’m left to pay around 5000£ of debt due to the profit margin.

 

I’m divested by this, as I’m a victim too just like the affect PayPal account owner, plus I have no means to payback if these transactions are found to be unauthorized.

 

Perhaps, in the end, all I could do is payback the some of the money to the victim excluding the profit/debt margin that was employed in this [problem].

 

God, I can’t believe a fell for it, I’m aware of this sort of thing yet due to my own stupidity or being a student with no income I just went for it….Never felt so dumb.

 

I know I’m making assumptions on what if…however, I just need to a little guidance on what to do next or who to turn to, basically a course of action to reduce all the possible damage.

 

Thank you all

Edited by DragonFly1967
Added some paragraphs & spacing. Content unchanged.
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Simply ignore PayPal

Remove all bank details

There is nothing they can do to you

They are in Luxy

With no legal powers here at all

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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Threads merged and tidied

 

Please read post 2

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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Share on other sites

I see I haven't been able to remove my bank account details will they be able to withdraw any owed money without my consent.

 

Shall open a new bank account and close the one affected?

 

Is there anything else I can do,

what about the debt collectors?

Shall inform the authorities of fraud.

I just don't want my credit to be affected.

Edited by dx100uk
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I see I haven't been able to remove my bank account details will they be able to withdraw any owed money without my consent.

 

They can certainly try. I have more than one account. Paypal has the details for one, but it is kept at a balance of £0.01 unless I know that I've paid for something via PayPal and then that exact amount get's transferred in to the account.

 

Shall open a new bank account and close the one affected?

 

There's nothing to stop you doing this, but you don't have to close the account you have, just leave it with a small balance as I do.

 

Is there anything else I can do, what about the debt collectors?

 

If it comes to it, you'll get nasty letters from their pet Debt Collectors threatening all sorts of woes, but if you read it carefully it will contain a whole lot of "recommend, if, may, might, could" they'll never tell you that they will do something, apart from maybe "we will recommend" :lol: Letters from DCA's can (and should) be ignored completely.

 

Shall inform the authorities of fraud.

 

Based on what? All you have at the moment is a hunch.

 

I just don't want my credit to be affected.

 

It won't be.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Thank you, I'm looking at this situation a little more optimistically now, I will follow those steps and make sure I keep the funds safe. I also got family members who use PayPal,l is any changes they might get done for it?

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Thank you, I'm looking at this situation a little more optimistically now, I will follow those steps and make sure I keep the funds safe. I also got family members who use PayPal,l is any changes they might get done for it?

 

Nope. As long as it's a different email address. That's the really crazy part. If you had access to multiple email addresses and bank accounts, you can create as many Paypal accounts as you like. No one (at PayPal) seems to actually 'check' anything. :|

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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As long as you remove the cards from my account on pp they can't do anything more

Then pop to your bank portal and remove the direct debit

Job done.

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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Share on other sites

Thank you, it's funny how useless PayPal is protecting their users.

Like I said if these are unauthorized payments its been 2 weeks and they still haven't caught on.

I will keep you guys updated.

 

if everything goes the way I see it going, meaning a negative balance, I will try to reason with them and offer to pay whatever I owe excluding my losses, if they are comparative enough I will settle that part of the balance otherwise I will stay put and ignore whatever they throw at me.

Thank you for all the help.

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Umm, hang on.

 

Be it bitcoin or widgets...

 

A has purchased from you and you have supplied the 'goods'.

A has paid you and you have received, transferred and banked the money.

B (Paypal) have processed the payments and transfers to your account.

 

You now think that A has used a Paypal account that belongs to C (an unknown person).

 

Here's the way I see this.

 

Any fraud on C's Paypal account is between A, B & C and is of no concern of yours. As long as you've acted in good faith & legally then you have nothing to worry about as regards the law.

 

So, assuming that you have acted in good faith (I have absolutely no reason to suspect otherwise) and supplied the items purchased by A which as far as you were concerned was a legitimate transaction. B have processed payments & transfers and therefore don't feel that there is any issue.

 

I wouldn't be paying Paypal a penny.

 

Get a new bank account and a new email address. Cancel the Paypal direct debit on your existing bank account and remove anything you can from your actual Paypal account. Let Paypal whistle.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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you don't pay anyone anything!!

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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Share on other sites

Yes, that's right DragonFly1967, even tho I'm not directly involved I can not stop feeling for the other person.

 

Would it be too early to report it to action fraud, as of now this is all speculatory.

 

What would reporting it to the action fraud entail, freezing of my bank account possibly?

 

Would they also side with PayPal and make refund some of the funds?

Edited by dx100uk
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no.

actionfraud is simply a fraud reporting portal

i'm sure where you are reading that anyone let alone PP can freeze anyones bank accounts:!:

they are in luty and have zero legal powers

and neither can any uk based DCA [who are NOT BAILIFFS and never can be!]

nor tame/fake solicitors.

 

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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Share on other sites

I shall do that as soon as possible, also can someone explain in layman's terms, why would I not be charged back if someone fires an unauthorized payment? As per their policy, they don't protect a seller who is selling virtual Items I believe.

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what do you mean by charge back?

no such thing

 

there is chargeback whereby a consumer can get a bank payment back

but it cant ever work the otherway around.

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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Share on other sites

PayPal may well do whatever it is they do and put your account into a -ve balance, but ultimately, so what?

 

You've not done anything wrong and if you've got another bank and PayPal account then it's not really going to make any difference to you.

 

If you do nothing and just pay up, you'll be left as the only victim of a fraud that has only happened because PayPal haven't picked up on the fact that someone else's account has been compromised, and how can that be your fault?

 

And we're still only assuming that there's been some kind of fraud in the first place.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Dx, PayPal do actually refer to it as a "chargeback", what ever it is in reality.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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bit silly really too as there is stuff all they can do.

 

they took the decision to got to luxy to avoid paying taxes etc the gamble was it opened themselves up to this type of fraud.

which ultimately come out of their profit pocket

 

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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Share on other sites

Thank you for everyone's replies, I shall keep you guys updated. I will report it to action fraud once I have collected enough evidence of these transactions to support my suspicion of fraud.

Meanwhile, I have

Removed any direct debits from PayPal through online banking.

Removed my credit card from Paypal, and ordered a new one.

Collecting evidence that I had no intentions of wrongdoing and report it to action fraud once the reversible payments hit or do it right away after I finish collecting evidence.

Reported the user to Localbicoins.

 

Still to do

This week I'm going to my bank and ask them to block any transactions from PayPal officially.

I don't seem to be able to remove my linked bank account from PayPal, keeps telling there are pending transactions keeping me from doing so, which is simply not true as all the withdrawal funds have hit my bank account. Will call them now and ask them to remove it.

Potentially getting a new bank account and closing the affected one.

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Don't report to actionfraud because no fraud has been committed yet.

If PayPal won't let you remove the bank account, close it.

Instruct the bank in writing not to release any funds to PayPal.

Then forget about it.

The bloke who bought your bitcoins might use a server in Nederland, be a Canadian and have an online phone similar to WhatsApp registered in Zambia so to make free/cheap calls.

Long shot but possible.

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Hence why I haven't contacted the authorities, Payevil won't remove my bank account they keep telling me I have a pending transaction.

 

Tomorrow I'm heading to the bank to make it official.

 

Does anyone know how to do this in writing?

Edited by dx100uk
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Does anyone know how to do this in writing?

 

Dear Bank

 

Close my account with immediate effect.

 

Signed

Account Holder.

 

Would do.

 

 

You might be able to close your account online, you'd have to check your online banking portal. But do make sure that you've got another account to fall back on.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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