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    • thread title updated. so a sold debt. who are the solicitors? TM legal? why didn't ovo do this themselves as they do but chose to sell the debt on for 10p=£1? funny debt you state you reived a letter of claim, why did you not reply too it.? also is there is no indication of the date this bill comes from on the claimform? how do you know its from 2022? what other previous paperwork have you received? please scan page 1 of the claimform and bothsides of ALL previous letters upto one mass pdf read upload carefully. .................. pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Thank you again. I'm hoping it will come out in the wash and will endeavour to check my online account. I'm a bit unsettled by not hearing from Booking.com but the host is sounding helpful at the moment. HB
    • I've just remembered that a friend of mine had bookings cancelled on Booking.com about a month ago - and the good news is that all worked out in the wash. I'm at work now but will scribble properly in a couple of hours with the full tale.
    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
    • Which Court have you received the claim from ? Civil National Business Centre Name of the Claimant ? JC INTERNATIONAL AQUISITION How many defendant's  joint or self ? Self Date of issue – 22 May 2024  Particulars of Claim What is the claim for – 1. The def owes the claimant £300 in respect of gas and electricity charges supplied by OVO. 2. Debt was assigned to the claimant with notice given to the def. 3. Despite formal demand the def has failed to pay the debt and the claimant claims £300 and further claims interest pursuant to s69 of the CCA 1984. What is the total value of the claim? £385 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Energy debt When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Moved home and they were the current energy supplier  Is the debt showing on your credit reference files (Experian/Equifax/Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt assigned to JC International Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure probably  Did you receive a Default Notice from the original creditor? Again can't remember but probably  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Changed supplier What was the date of your last payment? Never  Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
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Paypal blocked the account


Ecik1981
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Hi Guys. 

 

Paypal amended their legal. agreement due to Brexit. 

 

One of the paragraph states:

 

Regulatory Authorisation

PayPal is regulated by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg with authorisation number 23/07. The CSSF is the authority responsible for the prudential supervision of companies in the financial sector in Luxembourg.

 

In addition to CSSF regulation, from January 1, 2021 PayPal will be deemed to be authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

 

I have a negative balance with them but I was ignoring it since Sep 2020 because it wasn't my fault and I took advise from this forum to ignore their demands. 

 

Is this change of the agreement means that they have more rights now to chase the money back? 

 

Please advise

Thanks

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no. as a negative seller/buyer A/C is still not regulated by the consumer credit act 1974 either.

unlike paypal uk or newday uk credit which is offered by them and already CCA regulated.

 

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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paypal credit is where you separately click on the UK site and takeout/enter into an online consumer credit agreement for them to either loan you money or operate a paypal branded credit card.

 

both of which are regulated by the UK consumer credit Act 1974, and offered by Paypal Uk or Newday Cards respectively .

 

a seller/buyer Paypal A/C is neither of those.

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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  • 1 month later...

Hi Guys. 

Paypal blocked my main account due to not clearing my negative balance. 

I can't acces my paypal credit account so I'm not able to see my balance, charges etc. 

Do you know if that's legal? Any help would be much appreciated 

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threads merged..

 

who's the paypal credit with? paypal uk, paypal EU or Newday?

and does it show on your credit file?

 

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

2 minutes ago, dx100uk said:

threads merged..

 

who's the paypal credit with? paypal uk, paypal EU or Newday?

and does it show on your credit file?

 

dx

 

Paypal Uk I believe. And yes is on my credit file

I'm not in arreas and outstanding balance is £531 which I want to carry on paying off. 

 

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4 minutes ago, theberengersniper said:

I think it'd be wise of you to tell us the story behind this; why is the balance negative in the first place and how did that come about?

Hi. It was my negligence. Paypal sold the debt to Moorcroft. At the moment Im ignoring them. But not sure what to do next 

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Paypal dont sell debts.

Moorcroft are not a dca debt buyer

They are only ambulance chasers for their stated client

And as with all DCA's..they are not BAILIFFS

And have

ZERO legal powers on any debt no matter what it's type

 

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

21 minutes ago, Ecik1981 said:

Paypal Uk I believe. And yes is on my credit file

I'm not in arreas and outstanding balance is £531 which I want to carry on paying off. 

 

Pay it by bacs transfer then from your 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... 

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Share on other sites

Just now, dx100uk said:

Pay it by bacs transfer then from your banks webportal

They don't want to provide any bank details so I do payments over the phone. But until now I could at least check my balance and charges before I made a payment. 

 

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They should be writing with regular statement s unless this was on online account only , but they Should still be sending montly statement s by email that should include payment details.

 

You should never be ringing anyone and paying by phone/card

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

1 minute ago, dx100uk said:

They should be writing with regular statement s unless this was on online account only , but they Should still be sending montly statement s by email that should include payment details.

 

You should never be ringing anyone and paying by phone/card

How can I force them to provide bank details? They insisting that the payments over the phone is the only way. So far I was using same phone number and payments went through. They even send a confirmation email about the payment. 

And I don't get any kind of statements. Only on my paypal account which is now blocked. 

 

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Then tell them so by email...

raise a Complaint that you wish now to receive monthly bills and statements by post or email

 

And be given details to set up a direct debit or standing order.

 

Your paypal credit account and your negative paypal user account are two totally separate things.

 

Have you a copy of the agreement you signed with paypal credit uk still when you started?

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

5 minutes ago, dx100uk said:

Then tell them so by email...

raise a Complaint that you wish now to receive monthly bills and statements by post or email

 

And be given details to set up a direct debit or standing order.

 

Your paypal credit account and your negative paypal user account are two totally separate things.

 

Have you a copy of the agreement you signed with paypal credit uk still when you started?

Just phoned them again. 

They do not have a bank accounts for me to set up direct debit or standing order. They offer to send statement over the post but with £5 charge every month. They don't send statements through emails. And again they're insisting that making payments is only available over the phone. 

I do not have copy of the agreement with paypal credit. 

 

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I said email or write

No good keep phoning these people as youll never have any paperwork trail when you complain to the fos/fca/ico

 

so go up on the fca register site

or companies house

and find their address and formally complain

 

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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