Jump to content


  • Tweets

  • Posts

    • Just because criteria won't agreed in writing, doesn't mean that there are criteria and they are not to be implied into the contract. As I've said, you have to give your contracting partner reasonable opportunity to complete their side of the bargain. If you employ a builder to build a wall and they start work, then you have to give them a reasonable opportunity to complete. Here you have an agent who apparently has found a tenant and the tenant has satisfied the reference requirements. You keep on saying that they were transparent – but you haven't told us what that means and the most important thing is that you might have to explain that to a judge. I'm afraid so far the impression one gets is that you are simply trying to escape a commitment – even if it is for the best of reasons. I see that you disagree with me. Well that's fine. It's not me that decides the outcome. I think that you are in difficult terrain in respect of your first grounds of objecting. I think that the unfair terms provisions are far more useful to you and are likely to have some success. Once again, your only answer to this is that a tenancy contract haven't actually been signed. Once again I say to you that all of the practical conditions for the contract to go ahead had been satisfied but on your hunch you then prevented the agent from completing their side of the bargain. I think that you are going to have to find a reasonable settlement. I don't think it will be very much – but you are certainly going to have to find a reasonable settlement – and if the agent objected, as well they might, at least you can then demonstrate to a court that you at least have attempted to act fairly and it is simply the agent who is being unfair. I don't think it would be too good for you if a judge came to the conclusion that the agent was trying to cheat you – but you also were trying to cheat them, for whatever reason. I don't thing I can say anything more  
    • Well I think it would be prudent to check them. I found several warranty details for your make of laptop but not UK. Surprisingly, they only say that they will repair defective parts and there is nothing as to what happens if the unit is not repairable. I suppose that being Acer, they have access to all the parts needed – in principle – and they reckon they can repair anything. Double check and see if you can get access to the warranty. Also, you need to decide whether you are prepared to issue a small claim. If you never done it before then read around this forum about how to take a small claim in the County Court. It's quite straightforward but you need to know the steps in advance. Once again, don't expect this to be sorted out by 18 December. I expect that you won't even have it sorted out by February – unless they suddenly react once they receive the court papers and move themselves. Of course you could say that by February the thing will be repaired anyway – but actually you don't know that. It could go on very much longer and at the moment I think you are being led around by the nose
    • As far as I remember and by looking at the receipt, it was already included in the price of the laptop.    Regarding the terms and conditions, I have no idea where to look for them. I might ask my mum to see if there is a mini book that came with the laptop and might contain the terms and conditions
    • But there were exceptional circumstance involved, they must count for something 
    • £1300 is fine. Don't worry about it. Don't worry about the disclaimer. It has no effect. They are trying to introduce a new term into a contract which has already been made. It has no relevance. Even if a certain delay was acceptable, the fact that they have already had your computer for three months and they are now effectively suggesting a further two months that is five months which amounts to about 20% of your period of ownership – is not acceptable. What I'd like to know – and I think is quite important – is what they say in their warranty if the computer is beyond repair. I'm assuming that you are prepared to bring a small claim against them – and that is what we will propose that they fall back on that term – especially if the term proposes that they supply you with a replacement. This would then avoid the problem for you that you would have to accept only a proportion of the purchase price. If you're not prepared to sue them – then frankly there's nothing you can do. If you are prepared to issue a small claim then your chances of success are better than 90%. The risk you if you lose is that you lose your claim fee. If you win then you will recover all of your losses. If you want to start a small claim that we will help you all the way but it will assist enormously if you can find the terms and conditions of the warranty. Have a look at their website and you may find references to it there or at the Currys website. Did you pay for this warranty or was it simply included as part of the purchase price? If you paid, then who did you pay? Did you pay Acer or did you pay Currys?  
  • Our picks

PayPal credit payment with a negative PayPal balance


Recommended Posts

Hi All

 

really need some help and advice.

 

i have a PayPal credit facility with a balance of £400. I owe £270 due this month. I am going to phone them and pay this and clear it as it’s a credit contract and I know they can enforce it.

 

however alongside that I have a negative PayPal balance of £5000 this is not through the PayPal credit. It shouldn’t have happened and I don’t plan to pay that, at least not now.

 

if I phone PayPal and pay the credit facility with my debit card will that be ok? Or will they use those details to try and get the money back for the 5k negative balance?

 

thanks for any help. Whilst I appreciate PayPal credit and the negative balance are separate with them being on 1 page on 1 account I wasn’t sure. 

Link to post
Share on other sites

i believe the credit facility comes with a known sort and A/C number

can you not pay that by BACS transfer from you banks webportal?

 

 

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... 

Link to post
Share on other sites

Thanks for the advice I appreciate that, I ll go give it ago. I don’t suppose you know if it’s legal for them to add the negative 5k to the PayPal credit account? I presumed not, as my credit limit is £400 only and I opted out of credit increases. 

Link to post
Share on other sites

of course its not.

 

paypal credit is a UK finance deal covered by the consumer credit act

 

a paypal 'debt' is simply some fictitious figure you have with them in their books held in luxy.

and 9/10 its as a result of one of the many scams they allow to operate on their platform so is an unenforceable debt anyway...walk away.

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... 

Link to post
Share on other sites

I can’t find an account number or sort code for the PayPal credit facility. However you can pay with an automated system over the phone. So I may have to try that. Looking through everything they only take payment via phone or online.

i ve had to change get a replaced bank card as it was linked to PayPal. Also frustratingly my bank account is, though I ve cancelled the DD. I feel I am going to have to open a new bank account. 

Link to post
Share on other sites
Quote

If your account has a negative balance, we may set-off the negative balance with any funds you receive into your account or with the funds you have in a different currency balance. Pending withdrawals may also be cancelled on the account.

 

https://www.paypal.com/hk/smarthelp/article/how-do-i-resolve-a-negative-balance-in-my-paypal-account-faq1905

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

if you are lucky you should be able to remove the bank A/C

if you cant

then simply ring your bank and tell them not to honour any paypal payments be them CPA or DD unless you give written approval.

 

your paypal credit will most probably be through newday uk or paypal uk, regulated by the consumer credit act here in the uk.

and as you say the paypal trading account is listed separately.

 

there are no examples of a std negative paypal trading account balance being taken from a uk paypal credit facility.

 

 

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... 

Link to post
Share on other sites
  • 4 weeks later...

Hi 

 

PayPal credit is sorted and showing as cleared.

 

the negative balance of nearly 5k remains.

 

I received the below from moor debt recovery, should I be worried Or will it be ok?

 

We act on behalf of PAYPAL and would like to speak to you on a personal business matter. Please contact us on 0161 475 2860 or via our website www.mdrl.co.uk as soon as possible. Calls to the above telephone number will be charged at standard rate.

If you would prefer that we call you back please email us at customers@moorgroup.com with your contact number ensuring that your reference number is quoted.

Our opening hours are Monday to Thursday 7.15am to 9.00pm, Friday 7.15am to 7.00pm and Saturday 8.30am to 4.00pm.

We must stress that we are aware of the current position regarding the virus outbreak and the effect it is having on many people across the country. We would ask that you simply contact us so that we can discuss your circumstances and make sure that we deal with matters correctly.

Link to post
Share on other sites

powerless dca.

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..

 

 

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... 

Link to post
Share on other sites

Great thank you.

in effect the worse they can do is send letters and call?

 

They can’t physically arrive and take anything from my property or take me to court?

I don’t want to pay them considering the 5k negative PayPal balance is a farce that wasn’t my fault but they wouldn’t listen initially


Though I don’t want people turning up at door taking stuff or taking me to court.

Can I just say having someone like you to advise is a great relief. Thank you very much. 

 

Also is your best advice to completely ignore their calls and emails until they give up?

Link to post
Share on other sites

no-one can ever do ANYTHING on a paypal negative balance as long as it's NOWT to do with paypal CREDIT.

yours isn't ....off you go enjoy life.

you've done the right thing by paying the credit agreement off.

 

:rockon:

  • Thanks 1

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... 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...