Jump to content


  • Tweets

  • Posts

    • I've been very agreeable all the way to this point, and I have started to think they have taken advantage of that fact.   Without going into massive amounts of detail, my reasons for not wanting to give them further opportunities to rectify the work are:   1. Delayed multiple times from outset with poor commuication and threats that I could not pull out (despite them breaching their own contract for start date) 2. Repair attempt 11th June (not all issues addressed) 3. Workers attended 5th June (Issues with work not addressed) 4. 28th June Matthew (director) attended and agreed work unacceptable- 5. 15th and 16th July- workers attended to rectify issues and actually made front drive worse by making unnaceptable paving cuts (raised in engineers report). Rear patio issues addressed (not all, and most serious issues remain)   Communication wise, my son has had an amicable discussion with the workers and director when attending my property. I have full CCTV front and rear and have all evidence including audio and video recordings of all interactions. I have not refused to communicate with them. I have refused to communicate with them via telephone as I said that I wanted to avoid misunderstandings etc. and I was also intimidated by receiving a threatening and aggressive voicemail, which again I have a copy of.   I understand the point about being reasonable and fair. I think I have evidenced that I have thus far. They have had ample opportunities and stonewalled me and sent debt collectors after me. Now I've provided evidence of their poor work, I feel they are realising they are looking at a large loss, plus legal costs they probably are unwilling to pay.   I would not be happy to pay for their independent assessment (they have not paid for mine). The majority of the issues that were raised in the engineer's report, I had already highlighted to them (such as the cuts of the bricks not being in line with manufacturer's guidelines- if you recall I had already contacted the manufacturer Tobermore for additional information)   If you feel I'm completely missing the mark here, then I'm happy to be guided by you, however the Consumer Rights Act only provides them with limited opportunities to put work right. Surely I cannot be expected to just sit here for months and just keep letting them try and try again, and only now that they face the prospect of potentially losing at court. I've been reasonable, polite and accommodating from the outset, and I have written, video and audio evidence of all of this.          
    • ok good defence due by 4th oct by 4pm.   so no you wont have gotten an n180 yet...
    • The claim form was dated 2nd Sept. Not filed defence yet.  Not had an  N180
    • Hi dx I have had an attempt at my witness statement just hope i have got enough in and the order sits well. Any thoughts would be welcomed.   In The county court AT XXXXX CLAIM NO: BETWEEN: XXXXXXXXXXXXXXXX Claimant - -and- XXXXXXXXXXXXXXXXX Defendant WITNESS STATEMANT OF XXXXXXXXXX   I.XXXXXXXXX the defendant in this claim make the following statement believing it to be true will state as follows:-   1.It is admitted the defendant entering into a short term Pay Day Loan agreement for the sum of £400.00 plus 4 months interest totalling £600.48 from Moneyboat.co.uk.   2.It is denied that I defaulted on an “agreement”, as the Defendant has made a first payment of £150.13  towards the amount agreed to be repaid which was not been deducted or taken into consideration and the claimant continued to demand the full total amount from the agreement stated in #1. The claimant rejected a request for assistance during the ongoing Covid pandemic pursuant to the UK Government Legislation at which time I was placed on Furlough by my Employer and worried that it would be difficult to make a payment due to my financial situation.   3. It is denied I failed to abide by the Terms and Conditions of the agreement as at no point did the claimant contact myself to offer assistance to make alternative payments to which I could repay.   4. It is admitted that upon receipt of the claim form a CPR31.14 was issued to the claimant on the 31/012/20 and proof is included in exhibit 1.   Namely to show how I entered into an agreement Show how the claimant quantified the amount claimed   5.The Claimant has not served a Default Notice pursuant to sec87 of the CCA1974.    Need for default notice.   (1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,— (a) to terminate the agreement, or (b) to demand earlier payment of any sum   6. As per Civil Procedure Rule 16.5(4), the Claimant has failed to prove the allegation that the full correct amount of money is owed.   7. My defence stated that the claimant failed to serve notice and it is denied that the Claimant is entitled to the relief claimed or any relief entitled.   I believe that the facts stated in this Witness Statement are true.   Signed ……………….   Dated on the day ……………….   Thanks G
    • forget the guarantee, totally worthless, no guarantee or warranty is even worth the paper it's written on.   under the consumer rights act 2015, bensons are quite correct that outside of 6mts, it is down to the consumer to get and pay for an independent report upon any issues. this cost will be refunded upon your win.   also under CRA a 'product' should last a consummate period of time, upto 6yrs typically or even beyond, one would expect a mattress to not to have issues after a mere 10mts.    
  • Recommended Topics

  • Our picks

  • Recommended Topics

PayPal Negative Balance and Debt


Freddo5p
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 91 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Posted (edited)

I acknowledge that there are several threads similar to mine, but most of them are from before Brexit, so something might have changed.

 

Last week I was gambling online. Unfortunately, I lost control and gambled away all of my savings. Not only that, but PayPal (via Direct Debit) somehow managed to debit me several thousand pounds more than I had in my bank account. My PayPal balance is yet to turn negative, so I have not spoken with their collectors. From what I have read, I assume that they are going to give me 90 days before they pass on the case to a DCA.

 

1. Is what PayPal did even legal? I managed to find other similar cases on the internet, including an article about a young man who managed to deposit £150k the same way. That's simply outrageous! 

2. If it is not legal, how could I dispute this?

3. If it is legal, what can I do to sort it out with PayPal themselves without involving any DCA? From what I have read on this forum, the consensus is that I should simply ignore both PP, which are based in Luxembourg, as well as any pesky DCA, given that they are not bailiffs and cannot do anything. At the same time, I am slightly confused. If it is legal, PayPal should surely be able to find a way to take me to court. Furthermore, why would people here be advised not to pay money which they legally owe? 

 

Thank you!

 

Edited by Freddo5p
Link to post
Share on other sites

i don't believe the new PP method of not being an intermediary has come in yet, i think it starts on 22 june.

they will no longer be 'in the way' and if funds don't exist the bank will not honour it..

 

you should have messages in your ebay inbox or on the pp website that says its all now a new agreement with  pp.uk from that date, so they could do court, but we've not seen it and i doubt they will.

 

gets all the funding sources removed or blocked via you bank.

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

Thank you for the swift reply.

 

My apologies; I hadn't checked in several hours. My PayPal balance is already negative.

 

Sorry, I am not sure I understood you completely. Who is not going to be 'in the way' of what?

 

Do you think I could dispute these transactions?

 

Thank you!

Link to post
Share on other sites

what you have done is only possible because PP until now act as a third party payment scheme.

from i think its tomorrow , you would no longer be able to do it as it would be a request direct to your bank no funds to transaction.

 

it might be better to address the gambling habit than to worry about money no-one most probably can never get back, tough luck on pp, its one of their known business losses across the world. just stop them from getting at your funding sources listed on your account page.

block pp at your bank.

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 see now... So PP taking non-existent money will not be possible from tomorrow onwards? Damn...

 

Yes, my bank suggested cancelling the DD to PayPal, and I will most likely do so. My PP balance is already negative, however, so (according to the PayPal agent I spoke to a few days ago) it is up to me to bring it above zero, and they will stop trying to take money from my funding sources after 3 failed attempts—I'd rather not take them for their word, though. I also have an appointment for opening a new bank account for tomorrow.

 

How should I proceed, given that my PP balance is already in the red? I will try to call them in the next couple of days as I am interested in hearing what they have to say, but should I cooperate or begin ignoring them? 

 

Regarding the gambling, I called GamCare last night.

 

Thank you!

Link to post
Share on other sites

well done on address the gabling, that the most important step.

 

pers i'd simply ignore PP, there remains little they can do. you've informed the bank NOT to honour any payment requests from PP by ANY method (this should include Continuous Payment authority) get that cancelled at the bank if you had a debit card registered on your PP A/C funding sources.

 

 you are treading new ground, but since brexit, i've not seen any difference upon how these are dealt with anywhere.

you simply cancel all payment methods and ignore them.

 

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... 

Link to post
Share on other sites

I see, thank you.

 

I assume that if I start ignoring them, they will pass on (but not sell) the debt to a DCA, but I am not sure if they will have any more legal authority than they had pre-Brexit. What is the worst that could happen if I start ignoring the debt collectors as well? Perhaps I'd receive a letter of claim and be taken to court? And the best? The debt will be written off in 6 years?


 

 

Link to post
Share on other sites

dca's are not BAILIFFS

and have 

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

 

as i said we've not seen any letter of claim issued ever to date, but we are in new times, however, i would suggest your PP A/C has existed for many years or certainly well pre brexit, so the old 'agreement' would still apply unless you've agreed to vary them and again i've seen nothing bar

 

what i remember was sometime in may/april there were emails..that in late june some things were changing by default unless users opted out. one of which was PP's involvement in bank<>you transactions using the PP Portal

 

 

  • 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

Yes, I've had my PP account for many years. I have not explicitly agreed to any new terms and conditions, but as you know, PP (and companies in general) simply inform you when there is a change to their rules, so you automatically accept them or you have to inform them if you do not agree with the changes and want to have your account closed.

 

Thanks!

 

 

Link to post
Share on other sites

Also, will ignoring the debt collectors have any effects on my credit score or does this only happen if you formally set up a debt repayment plan and then fail to stick to it? Can the PP/the DCAs file a CCJ against me?

 

Thanks!

 

 

Link to post
Share on other sites

no to everything

 

 

  • 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

Thanks!

 

I have already spoken with Citizens Advice. They offered me an appointment and advised me not to give or promise anything to PayPal.

 

 

Link to post
Share on other sites

don't go talking or acting upon info any of these debt advice orgs give, they are at best mildly correct but mostly never go near any enforceability issue as they get a cut of what you pay if you do thru them. they are mostly funded by the banks and the DCA's

 

pers i'd ignore everything until/unless you ever get a letter of claim from anyone, which i very very much doubt.

  • 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

I'm interested in hearing what they have to say, but this does not necessarily mean that I will do as they say, of course. I'm simply trying to find as much information as I can. 

 

Thank you for the advice. I will try to keep you posted.

 

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...