negative balance in my paypal

[MrAnon117]

After asking halifax to cancel the CPA theyve basically told me they can't do it, so I've asked to 'escalate' the issue and also will be writing a letter.

[AndyOrch]

They can.....

 

https://www.halifax.co.uk/bankaccounts/help-guidance/common-enquiries/disputes/

[MrAnon117]

I wonder why their support agent didnt seem to think so... I asked them to escalate my issue so we will see.. maybe its because I couldnt provide a specific transaction/transaction date? Anyway I am sending a letter so hopefully that will work.

 

This is what I am writing:

 

 

Dear Sirs,

 

Account no: XXXXXXXX

Card no: XXXX XXXX XXXX XXXX

 

Please act upon the following instruction with immediate effect:

 

I withdraw my authority for all future payments to be debited from the above account/card number by PayPal, including continuous payment authorities (the Payment Services Regulations 2009 apply).

 

FCA regulation states that “you do have the right to cancel directly with your card issuer. Once you have done this, it must stop payments immediately – it cannot insist that you agree this with the company taking the payment first.”

 

Please confirm in writing that you have received and actioned this instruction.

 

Yours faithfully,

 

XXX XXX

Edited June 24, 2019 by MrAnon117

[MrAnon117]

Ok so after chatting with Halifax again they have said that:

 

'as the link to my paypal account is for purchases made, this is not an instance of a recurring transaction as each of the transactions are processed on an individual basis with a unique reference for each purchase'. 

 

Does this mean I don't have a CPA with paypal? 

[dx100uk]

I would simply now write and state they are not to honour any payments demands in whatever format to Paypal or ebay from the date of this letter.

 

dx

 

[MrAnon117]

Ok, I will be doing that. Thank you. 

[MrAnon117]

ok, this is the updated letter that I wrote and sent today:

Quote

 

6/25/2019

 

 

Dear Sirs,

 

Account no: XXXXXXXX

Card no: XXXXXXXXXXXXXXXX

 

Please act upon the following instruction with immediate effect:

 

I withdraw my authority for and request that you do not honour any and all future payments and payment demands to be debited from the above account/card number by PayPal and/or Ebay, including continuous payment authorities (the Payment Services Regulations 2009 apply) following the date of this letter.

 

FCA regulation states that “you do have the right to cancel directly with your card issuer. Once you have done this, it must stop payments immediately – it cannot insist that you agree this with the company taking the payment first.”

 

Any charge or attempt at charging me from either of these companies is unauthorized. 

 

Please confirm in writing that you have received and actioned this instruction. By the time you receive this letter I will have moved address, so for any correspondence please check and confirm the current address held in the system for my account, as it will have changed from what it is today.

 

Yours faithfully,

 

XXXX XXXX

Seeing as my bank specifically told me that I DONT have a CPA with paypal, does this mean that cancelling my card would effectively stop them from charging me via it? as my direct debit is already cancelled, my card details are the only thing they still have, and if there is no CPA I assume that means they can't charge me if the card is now replaced. 

 

Is there anything else I should do at this point?

Edited June 25, 2019 by MrAnon117

[dx100uk]

I wouldn't trust the phone operator to know what they are talking about, many are untrained and simply follow on screen scripts.

the 1st sentence of your letter is somewhat confusing.

KISS

You are hereby instructed not to honour any payments demands in whatever format to Paypal or ebay from the date of this letter.

[MrAnon117]

Ok, sent another letter with your exact phrasing.

[MrAnon117]

I just tried to report this to ebay and they said to tell local police, and theres nothing they can do.

was this the outcome you would expect?

i honestly feel its very unlikely the police will be able to actually help..

 

read some scary stories about debt collectors contacting family members, is this likely to happen to me? 

 

 

[dx100uk]

so what!!

not for ebay crap

stop reading rubbish and wise up.

a dca is not a bailiff and has zero legal powers on any debt.

 

as for ebay

what did you expect.

they don't care.

 

WRITE a letter to the registered UK HQ

forget about it all.

 

[MrAnon117]

To the ebay HQ you mean? What should I say, just tell them how I have been scammed? I thought they didnt care about that

 

sorry if Im misunderstanding you here

[dx100uk]

my post 9

there is a UK HQ.

 

dx

 

[MrAnon117]

Ok thanks will do. What is meant to happen as a result of me sending this? 

[dx100uk]

nothing.in all reality its pointless to you...

but the information you supply might well help them realise certain parties should be banned from the platforms and not let others get sc@mmed

[MrAnon117]

Ah I see, thanks for clarifying. hoping this will all blow over eventually (after months of letters and phone calls I imagine) i just dont want family being hassled 

[dx100uk]

as I said I don't know why you think its anything to do with your family.

[MrAnon117]

Ok, one more thing - does the fact I opened the paypal when I was under 18 (although obviously older now) mean I might not be liable for any of it? or is that irrelevant? 

[dx100uk]

if the debt was ever enforceable in the uk it might play a part

but as its not . no