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PayPal negative balance now with DCA

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Good evening all,

 

First time posting here and I'll try include everything in this message. I would really appreciate anyone's help on this matter.

 

I sold an item on eBay and the buyer claimed back even though I sent proof of postage, it was a signed for service but I do not have their signature but tracking shows the item as being delivered. They didn't accept my case. PayPal didn't care as the initial case was with eBay.

 

My PayPal account was in minus for a sum of £900 for around a month and a half, PayPal wouldn't listen to me just kept forcing me to pay even though I didn't have the funds to.

 

Last week I kept receiving phone calls from a random number and 2 days ago I received a letter from Wescot.

They claim they are acting on behalf of their client to recover the initial sum (no added fees or charges).

 

How do I proceed? I don't intend to pay as I've been robbed of a laptop and my money. Couldn't care less about them limiting my PayPal account either to be honest.

 

I've read loads of forums about the 3 letter process. I found templates on [removed] do you advise I do this?

I don't really want any of these people carrying on chasing me.

 

If I send these letters will I still have the option of entering a repayment plan if they still keep pestering me?

I've not made any contact with them as of yet. Just need some advice.

 

If you require more information I will happily provide. Thank you.

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website names remove d

please don't use their rubbish freemen of the land twaddle stuff.

 

a DCA is not a bailiff and have ZERO legal powers

 

wetcloths dont buy debts only chase for their named client

 

and paypal don't do court IGNORE


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I've read everywhere PayPal don't do court but the debt is now with Wescot, so they don't do court either?

Won't the debt just be passed onto someone else?

 

Thank you for the quick reply, Btw I have a similar situation but for PayPal Working Capital, around £1,500, I stopped paying as ebay suspended my account and couldn't pay back for it. Arvato just sent me a letter today, similar to wescots. I had to agree to a contract for this one, shall I do the same with this? Just ignore it? Both letters seem similar and both have not added any fees.

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only debt owners can do court not a stupid powerless dca ignore.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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not pp balance no.

 

well let us know if the PWC does

 

we've not seen one of those go thru that process as they are relatively new thing


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Shall I just wait for another letter for the PWC then?

How would you recommend I arrange repayment?

 

Shall I sign up to a repayment or verbal agreement to pay back into my PayPal account (for PWC), they're on 2 separate accounts Btw.

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you do everything in writing ONLY never talk about you debts on the phone

esp to a DCA

 

wait and see if the PWC does get sold on

until then sit on your hands


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I see, so I'll just ignore everything and not communicate with them until another letter comes along, then I'll post here. What if they threaten legal action? Is that just empty threats?

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who?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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what part of post 4 do you not understand?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Apologies I was just double checking.

 

Thank you for your quick replies, I will update the thread once I receive another letter, if that's ok.

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only if you get a notice of assignment for the PWC


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Shall I request for that for the PWC case? If so, do you have a template I can use?

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request what?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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now read post 14 again...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Right I see so they'll send it to me if it gets that far. I understand thank you. I just wanted to be sure I'm not doing the wrong thing. Thank you again.

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the best way to achieve that is to read lots of DCA threads here and not only paypal ones.

here you'll get the correct advice rather than that freeman of the land twaddle on those sites you posted in post 1 [which have been removed]

cause you seem a bit green


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks I will read up tomorrow morning and come back if I have any questions.

Just trying to make sure I get the right information.

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Quick update regarding the PayPal Working Capital debt, ı received a letter saying I should contact them within 14 days otherwise they will consider taking further action.(that was the correct iirc)

 

Carry on ignoring?

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Yep let's see what they do


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Another update RE the PayPal Working Capital debt, they sent another letter saying contact us ASAP otherwise account will go back to PayPal and they MAY seek legal action to recover this debt.

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P p don't and can't do court


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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