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    • Metropolitan collection services appear to be part of HSBC and Moorcroft work with many Banks to continue the collection activities, once the Bank no longer wishes to do the administration.   I suspect therefore that HSBC still own the debt ? Does the Moorcroft letter confirm this ?   For the £12 a year you are paying, I am not sure it is worth mucking around too much.
    • Well that's it then.   You went in the entrance which simply said you had to be a KFC customer, which you intended to be.   Once you worked out it was closed and read the signage you promptly left, in all of 11 minutes.    Their signage is rubbish and you've proved it.  Well done on digging up this evidence.
    • This is a long time issue and a little complicated so I'll attempt to condense.   Barclays account: held with them over 25yrs, opend in the 90's £6800 overdraft   15 years ago the account became a problem due to account holder due illness/company closing/long term disabilities.   No activity on the account other than what is stated below, card not used, balance always kept just under the o/d level so as not to incur further costs.   In those 15 yrs (2006)the account has been maintained each month by Barclays applying the o/d interest and the account holder paying that amount.  In the early years about £120 pm, then it went to £3per interest so worked out and around £90pm and late last year with the interest hike by the banks on O/d's it took the amount close to £180pcm    In  / around 2012 the account holder approached the bank with a view to receving some help, they were at that time somewhat ill, and registered as disabled. They asked that they convert the amount to a loan with them so that over time the balance would reduce. The Bank refused but instead put them through to another in-house lender, (woolwich) on internal line, they took the details but then didn't offer the loan.   Account holders health deteriorated but they insisted with their family members to continue to pay the overdraft, they were petrified of what may happen if they didn't.   In 2014 a SAR's was asked of Barclays which they sent but it didn't give much away, but importantly neither did it mention the customer going into the branch for the help.   In 2019 the customer via a third party who also obtained a third party mandate  approached the bank with a lengthy correspondence asking for help, they gave as much info as they could.   A month later then bank stated they believed they had not acted incorrectly as the account had been held to the good by the miniumum payments on the account being met, in short unless the account tripped they would not know there was a problem.   It was pointed out to the bank that under the terms of the original agreement and backed up by a letter from the bank way back as early as 2003 that the overdraft had been increased and that the account would be reviewed annually and that the account for the overdraft to remain in place would need to be kept in good order.    It's clear no annual review from at least 2006 had taken place as 'good order' was that the account was to be seen to be going in and out of credit whch of course was not the case, it hasn't been in the black since 2005/6   The bank refused to budge , also denied that the customer had been into the branch in 2012 and in any case as it was 2019 they didn't have to go that far back with a complaint if it had not been raised before.   Thats stage 1   A complaint was raised with the Ombudsman in late 2019, they accepted the complaint and lodged with Barclays that an account had been logged and that they (Ombudsman) were thus engaged on the account.   In the meantime the customer continued to maintain the account with Barclays as per the previous 13 years at the same time as providing info to the Ombudsman when it was requested.   Barclays wrote asking the customer to call them, but they had been put on notice in the original complaint that the Customer wanted all communication in writing, three times barclays asked for them to call despite them knowing the customer was 'vulnerable'  and still they continued the account knowing that the customer was only paying them out of the disability payments etc...   Barclays were sent 3 letters via signed delivery asking that all communication be put in writing, the customer wanted to establish a papertrail so no room for error or misinterpretation similar to Barclays 2012 denial that the customer had been into the branch, all 3 letters were signed for all 3 letters went unanswered.   Late 2019/early 2020 Barclays were out of desperation contacted on the phone but as the account had not been placed in collections' then nobody from the department could speak to the customer ????   In or around March 2020 the Ombudsman wrote to the customer stating they were a week away from a resolution and that they were just awaiting for it to be signed off by a senior investigator.   3 weeks later Covid hit but no resolution had been sent, a month or so later an email was sent to the Ombudsman requesting clarification and a month later they wrote back saying 'it's a week away (again) and they'll be in touch and then the case went cold, nothing heard and no return of phone calls to them.   After months of delays and after not hearing from the Ombudsman a letter was sent to one of their senior Ombudsman who replied that they'd take a look and be back in touch in a week and which they were and where they stated that the case: A: Should not have been taken on by the original investigator as it was above their remit, it should also have been picked up by another investigator when it was looked at during the initial process but again it wasn't. B: As the case had been incorrectly assigned it was then unassigned and placed on hold and for the following reason: C :  The case was of a sort that the banks and the Ombudsman have been discussing, no reasons for the discussion was given but as the case fell into this criteria it was on hold pending the discussions being concluded by the banks/ombudsman.   In short just over 12 months of the case first being allocated/engaged it had been unallocated/disengaged and placed on hold.   A second complaint was therefore lodged with the Ombudsman which was duly investigated and a nominal amount was offered for what they stated was poor service.  This amount was refused and the complaint was then sent to the Assessor (next step) but they wrote back stating that until the case had been finalised by the Ombudsman the assessor would not be able to investigate the complaint.   Updated were occasionally given by the Ombudsman on the state of the original complaint against Barclays but even that dropped into the abyss early 2021.    After a recent request to the Ombudsman to ask if the 2019 onwards discussions with the banks had been concluded an email was sent back saying that the case was just about to be reallocated (no answer as to if their discussions had concluded.   A week later an new case investigator was placed onto the case, they had written to Barclays and were awaiting their response.   1 week later they investigator came back with:   Barclays are offering to write the account off and to close the account.   And that is where they're stuck,  15yrs of overdrafts fees being paid, (almost 2.7 times the orignal amount of the o/d) with Barclays refusing to budge, then out of the blue came the offer.   The offer is on the table for a few weeks, but is it an offer to take?   When intial contact was made the bank with the complaint in 2019 they did nothing on the o/d account but very quickly (1 week) shut down one of the Barclayscard credit cards the customer had with them and placed the other at £250 limit (the limits before that were collectively 25k but had not been used for some years)     I have read somewhere that this 'credit card' balance reduction affected the credit worthability of a credit card holder, it's an indirect hit on them and this seems borne out as although the customer has a good credit record (not really facilitating it) they have been refused credit from a source they have always used and who they have never had any problem with before and this is only after the Barclaycard issue.     Sorry for the elognated post but for me, the offer whilst it may seem ok, well if it's their offer now and whilst they may withdraw the offer I think it has more legs? The customer should never have bee allowed to get where they've been for the last 15 years......Barclays have had considerably more than the original o/d and they want to stick to terms and conditions but then seem to flout them themselves by not conducting regular reviews or even as recent as knowing a customer is struggling and they still continue onwards unabated.     Deb                                                          
    • cash cowed blind. just run the sb date to infinity for 15yrs.     who are moorcrofts client please   and i bet you have a bank account and or a card with hsbc too...
    • It was for an HSBC personal bank loan of 20k Was passed onto metropolitan collection services which agreed the £1 payment plan and have paid them every month since and they have left me alone. The new DCA is moorcroft and balance is still roughly them same.  I have always paid the agreed £1 as if I got a ccj I would lose my job.
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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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