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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
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Wigwambam

Massive negative PayPal balance

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To cut a very long story short I’ve got £15,000 negative balance with PayPal mainly due to gambling but the deposits weren’t made to gambling sites. What’s the process PayPal go through and how long have I got to pay it back? Any help/advice would be greatly appreciated! 

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Not my area of knowledge. Others will comment.

 

I think Paypal will pass to Debt Collection Agency to chase for payment and if you owe the amount, with no issues to raise, then you would have to come to an arrangement. 

 

What are your other financial circumstances ? Any other debts ?  Are you working ? Do you own any assets such as property ?

 

It is about what you can afford to repay each month, without putting yourself in hardship. 

 

Have you contacted Paypal asking for help ?

 

 

 

 

 

 


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I’ve got a loan with an outstanding balance of £21,000 with 22 months left on it, the payments are £1052 

 

I’ve got 2 credit cards, 1 with zero balance and the other with £3200 balance.

 

I’m private renting at the minute and yes I work full time and earn a decent wage, my wage just about covers my bills and utility bills. 

 

How do you mean no issues to raise? 

 

Thanks for the reply 

 

The balance will only show negative balance in a week or so, the direct debits only got sent back yesterday 

 

I’ve seen on other threads people saying to totally ignore DCA’s and pay PayPal back direct at whatever is affordable.

 

The last I want is a DCA knocking at my door!

 

My plan is to keep them at bay for 4-6 months then top up my existing loan to pay them off.

 

Does they seem a good plan or not? I’m hoping someone on here as been in the same situation and can advise. 

 

Do they come knocking at your house though? My partner doesn’t know about this and I’m hoping that’s how it stays. 

 

Can they take me to court? If so how long before that would happen? 

 

I’ve opened a new bank account and I’m going move all my regular income and outcome out of that, so at least I’ll not miss any payments and damage my credit file.

 

My old bank account and debit card are still linked to my PayPal.

I’m hoping I can still use these to repay the balance off (will take a very long time though) 

 

To cut a very long story short I’ve got £15,000 negative balance with PayPal mainly due to gambling but the deposits weren’t made to gambling sites.

 

What’s the process PayPal go through and how long have I got to pay it back?

Any help/advice would be greatly appreciated! 

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nothing a dca can do to you

they are not bailiffs

and have

zero legal powers on any debt

let alone one from a co based in luxy as they ran away from our uk tax laws.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Paypal over all the years it has operated in the UK have not, to my knowledge, taken anyone to court.

 

Saying that there is, I suppose, a first time for everything though it is highly unlikely you will ever end up in court.

 

You have the taken IMHO the first correct steps in isolating your income away from the Paypal debt by opening a new bank account that is not linked to Paypal.

 

In my opinion there are two options a) contact Paypal and offer a monthly repayment figure that you can reasonably and easily afford. They may come back asking for an income expenditure breakdown. This they cannot insist apon - only a court can order you to produce this. Remember they are going to try and obtain as much money from you as they can whatever your circumstances so make sure you only pay what you can easily afford. b) Totally ignore them. In this case close the linked bank account to Paypal. You are likely to get a flood of letters threatening all kinds of dire repercussions mostly from their in house debt collectors. If Paypal act true to form this blizzard of paper will eventually stop and you will hear no more from them This was the case with myself - but then my debt, though considerable, was not as high as yours.

 

If you have not done so get some help for your gambling addiction and forget Paypal until they actually issue Court papers which, as said, is highly unlikely. If it happens then come back for advice on how to deal with it then. 

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Thank you for the reply.

I feel sick with worry and I can’t eat or sleep because of it!

Totally my fault and I hate myself for it,

 

I’ve 3 young children and we wanted to buy an house within 2 years which as gone out the window. 

 

I might have to do a mixture of both A and B,

I can get the amount down to £11k but that’ll max out both my credit cards and leave me with virtually nothing to pay PayPal back with, or leave it as it is and try and talk to PayPal and pay back little bits till I can get a loan to pay the outstanding amount back.

 

Can I ask how long did your debt take to pay back and what’s the worst they did ?

Was it just a barrage of letters?

How many/long did this last? 

 

I’ve excluded myself from every online gambling site in the UK for 5 years, can’t believe how deep this as got! 

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You are getting yourself into a state without reason.

 

Paypal will chase you but only for a limited time then contact will cease.

 

My debt to them was never repaid. This was not deliberate on my part - I did try to pay money into the Paypal account that was in negative territory but Paypal had frozen the account so I could not transfer anything into it. If this happens to you make sure you take a screen shot showing it was not possible to pay them. Under NO circumstances pay anyone other than Paypal - DO NOT attempt to pay any debt collection agency unless possibly they have purchased the debt. As far as I know Paypal do not sell on debts so pay no one but Paypal.

 

It is highly unlikely you will be doorstepped and Paypal do not use credit reference agencies so your debt will not affect your credit scores. If things have changed I am sure someone will put me right here.

 

In my case I still owe Paypal a considerable amount but as there has been no contact from them for several years the debt should shortly become statute barred which means they can chase the debt but can no longer enforce it (this happens after 6 years of no contact).  

 

Do not borrow money to repay Paypal. If you do go down the route of paying them only pay what you can easily afford. Do not get yourself deeper into debt because of this.

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paypal dont do court

paypal debts dont appear on credit files

 

it might pay you send all of your other creditors a pro rata letter

this can be found in the debt collection section of our library.

 

dx

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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A couple of reasons I’m going out of my mind,

1 is if my partner finds out what I have done and think we’ll be over!

 

Another is I’m not 100% sure how I obtained the money was legal.

It seems to easy just ride the storm of phone calls and letters and things will go away even though I’ve read threads on here were that as happened. 

 

Can I ask what % of the original outstanding balance was paid off before they went “quiet” on you? 

 

I do want to pay them back because I feel awful and hate owing money but till I’ve paid my loan off (22months away) I honestly can only give them £100 a month tops. 

 

What’s a pro rata letter? I’ve never heard of this? 

 

Am I right in thinking if the worst came to the worst and they took me to court (ccj) that this would be months away? 

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now go read my last post again

it shows you where the pro rata letter is.

send it to all your creditors you cant pay

 

as for the paypal debt

they don't do court.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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The only one I’m struggling to pay back is PayPal and they aren’t a creditor.

All the others I can manage just about. 

I’m just scared to death what will come of this. 

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nothing 

are you not reading between the line here......


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I’m trying my best, I just can’t see how they would just leave it at that after a month or 2 of letters and phone calls? I really appreciate the messages by the way. I’ve been so ill thinking about it the last few days and all this sounds too good to be true. 

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granted its not nice to do it and ofcourse you'll be or have or are seeking help with your issue.

but if you type in your exact thread title in the custom google search box after hitting our squares CAG logo up top

you'll be able to read the other threads here.

 

get things sorted but don't feel pressured by anyone.

all financial orgs that have lent money must be seen to help you under their industry guideline

use the prorate letter and even p'haps investigate irresponsible lending claims too

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.

 

First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.

 

The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.

 

If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.

 

So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.

 

Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.

 

DO NOT under any circumstances get yourself deeper into debt over this.

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Really appreciate the advice, I’m just a complete bag of nerves over this!

 

Luckily they only have my mobile number, home address and email address so besides sending the DCA’s heavies round (which you say as never happened) there’s not much else they’d do except take me to court about a debt I’m more than willing to pay back just over time and not all at once.  

 

Out of curiosity are the DCA letters marked up “ Debt Collection Agency” anywhere on the envelope?

I suppose as well they’d only send the big boys around if the DCAs bought the debt off PayPal which you say as never happened as well? 

 

 

Also you say you received 4 or 5 letters in total? Was this over a couple of months including both PayPal and the DCAs? I

was expecting 4 or 5 a week!

 

if they do freeze my account I wonder if I could transfer money from friends and family’s account to knock off the outstanding balance? 

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I'm off to Africa on business for a couple of weeks shortly so will not be able to keep tabs on your thread again until I return to the UK at the end of the month.

 

So my advice it stop worrying. The wheels of the debt collection industry revolve fairly slowly. You will not get a flood of letters. But you may get a flood of phone calls at all times of the day and night. Answer them and wait for them to identify themselves. If they are debt collectors close the connection and block the number. If you do have any contact with them make sure it is in writing only so you have a verifiable paper trail that can be referred to at any time.

 

If they freeze your account so you cannot pay off the balance at a figure you decide (NOT THEM) - I would ignore them but make sure you have proof the account is blocked. They are shooting themselves in the foot by not allowing you to reduce the balance. When the account is frozen you cannot do anything with it.

 

Get on with your life. Stay well away from any gambling temptations and remember this will not appear in any credit reference reports. Take it as a lesson learned and thank your lucky stars you did not dig yourself a deep hole with credit card and bank loan debts  to feed your addiction.

 

Good luck - I will check your thread again when I am back in the UK so keep it updated. There are many here who will give you all the re-assurance you need and any help in dealing with these people.

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Thank you so much for the advice reassurance you’ve given, I’ve been living off caffeine and nicotine the last couple because of the worry.

I’ve excluded myself from all forms of gambling for 5 years. 

Going back to the DCAs letters, are they marked up “Debt Collection Agency” on the envelope? 

I don’t expect the debt to written off and I want to pay them off ASAP but I can’t and it’s going to take me along time to get over this financially and mentally! 

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I'm off in an hour so this will be my last posting until I return to the UK.

 

As far as I remember the debt collectors envelopes were plain with a return address on the reverse and maybe a company logo on them. There was nothing stating they were from a debt collector on the outside.

 

Just remember you are in control so pay only what you can reasonably afford if you are able to. Don't volunteer anything else and keep off the phone to them. Make it clear you will only communicate by letter. Make your position clear to them and do not engage in endless letter tennis with them.

 

They will attempt to get as much money out of you as they can in the shortest possible time so do not commit yourself to anything that may cause you financial problems down the line. Get it into your head you are in control not them.  

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Thank you so much for your help! My PayPal will probably show negative balance towards the back end of this week so I’m thinking the letters, emails and phone calls will start a few days after then.  

 

It’s been so much help coming on here and talking to someone who’s actually been in my situation, I’ve read threads on other forums were people have said “they WILL take you to court” and “you’re in the ” etc but I guess that’s from people who haven’t been in this mess and are guessing! 

 

Have a good trip and I’ll post on here as things develop and fingers crossed (I’m praying like mad) that things go the way they have for others! 

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forget stupid dca's

what part of they cant do anything are you not understanding.

what part of PP don't do court?

pp don't sell their debts

pp debts don't appear on credit files

 

just remember the threads you are reading are from YEARS AGO.

before they moved abroad and are NOT relevant today

 

they cant send anyone around

they are not bailiffs nor ever can be.

 

pers id forget this PP debt

and get on with sorting the others or preventing more damage.

 

if you know you are going to have payment issues 

act now not till you have them

 

dx

 

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Sorry, I know I come across like I’m over thinking this and to be honest I am!

 

But it’s a persons natural instinct to think the worst.

Like mentioned in a previous comment further up the thread “there’s always a first” and knowing my luck I’ll be the first. 

 

My current bills will always be paid on time so there’s no issue on that side. 

 

Once PayPal start to hound me I’ll start making regular weekly payments (ranging from £1 to £100) to start paying it off, I’m hoping if they see this that it will pacify them? 

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grr.. they cannot do anything to you.

out of jurisdiction.

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I just can’t get my head around how they just leave these massive outstanding balance’s “go” 

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because they are not registered as a company in this country so have no recourse to our legal system.

that's their problem for running away from the UK and avoiding £b's in tax 

 

its how their business model has always worked since that decision

just like all the ebay fraud they allow to happen

they simply write it off as it cheaper than paying UK taxes.

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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