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Pre 2020 PayPal Debt and Moorcroft - scotland


Orange_panda
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My apologies if this is the wrong forum category. I read a few similar posts here, so I thought 'Online Stores' would be the appropriate section.

 

Earlier this year I accrued a negative PayPal balance after they took non-existent funds from my bank account, which also resulted in an overdraft with the bank. I was gambling, and I did not realise I had spent significantly more money than I had.

 

I acknowledge my mistake, and I have self-excluded from the casino, but at the same time I am appalled by the fact that PayPal is allowed to let customers gamble with money which they do not have (especially after the Gambling Commission ban on credit cards for gambling).

 

I have sorted out the overdraft with my bank, but my PayPal balance is currently negative (it is between -1k and -1.5k).

 

I received an email from Moorcroft, which reads as follows:

 

'We act on behalf of PAYPAL and would like to speak to you on a personal business matter. Please contact us on **** *** **** 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 [email protected] 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.'

 

I am aware that there is a similar post from November 2020, but I am not certain whether anything has changed since then, so any input would be greatly appreciated.

 

My questions are the following:

 

1. I have not responded to any emails from PayPal/Moorcroft, and I do not intend to do so, as I do not feel morally compelled to pay them anything (the overdraft was more than enough!). It is obvious that Moorcroft have not purchased the debt (yet), but what are the chances of them doing so in the future?

 

2. If Moorcroft do purchase the debt, could they send me a letter of claim and try to take me to court?

 

From what I have read on this forum, it seems that this has never happened yet in the UK.

I should highlight that it is PayPal Direct Debit and not PayPal Credit that I am talking about, i.e. this type of debt does not appear on any credit reports and does not affect my credit score in any way. Is this correct?

 

3. I assume it is important to mention that I have been away from the UK for over a year, and whilst I do not have any material possessions in the country, I hold a few bank accounts.

 

What would happen in case Moorcroft decided to take me to court?

I am genuinely not going to be able to find out whether they have sent me a letter of claim, given that I no longer live at the address I used to live at (I was renting); the only way for them to contact me is via email.

 

Would they be able to obtain a judgment in default against me?

Could they somehow obtain a court order (a 'third party debt order'?) to take money from my other bank accounts, which I still use?

 

4. I am not certain when I will return to the UK.

Even if they did obtain a CCJ (in my case, a 'decree', as I used to live in Scotland) against me, in what ways could I be affected by that?

 

According to StepChange (https://www.stepchange.org/debt-info/can-i-write-off-debt/statute-barred-debt.aspx), if I do not return in the next 5 years (6 for England/Wales/Northern Ireland), the debt would become 'prescribed', i.e. non-existent (statute-barred in England/Wales/Northern Ireland).

 

Nevertheless, it is also mentioned that

'If the creditor has already started action to obtain a decree before the prescription period passed, the debt can’t become prescribed'.

Does that signify that if Moorcroft obtained or even merely 'started action to obtain' a decree against me, they would be able to legally force me to pay them back even after 5 years have passed?

 

As far as I know, if a decree/judgment is not enforced within said period of 5/6 years, a court's permission is required to enforce it (say, if I were to move back to the UK in 2030). Could this realistically happen, and would I have to pay anything (e.g. interest, court fees) on top of the amount I currently 'owe' to PayPal?

 

Thank you very much in advance!

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  • dx100uk changed the title to PayPal Debt with Moorcroft - scotland

god you are running away with a serving spoon there with all you've read and (mis) understood.

 

moorcroft don't buy debts. so can never do anything.

 

did you open your PP A/C before brexit?

 

 

 

 

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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ok ive removed a link/text you posted

 

stay clear of sites like that 

they really have some weird ideas on debts and how to deal with things.

 

all designed to make them and their mates money and turn unsecured debts into secured ones 

 

moorcroft dont buy debts, and a quick check on the FCA website using their name reg no. shows they are not licenced too.

 

as this PP A/C was opened before brexit there is little anyone can do to you

OLd PP debts dont appear on credit files and PP dont do court.

 

 

  • 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... 

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  • dx100uk changed the title to Pre 2020 PayPal Debt and Moorcroft - scotland

Thank you for the response!

 

Would you be able to tell me how I could verify whether a firm is licensed to buy debts? For instance, in Moorcroft's case, I went to register.fca.org.uk and searched for 'Moorcroft'. There were several results, but I believe the Reference Number of the one in question is 714738.

 

I looked at the 'What can this firm do in the UK?' section, but I am not sure what I am supposed to be searching for, could you help me? I would like to be able to do this myself in the future.

 

I understand that (at least in the UK) there have been no cases of PayPal taking people to court over debts of this nature (i.e. PayPal Direct Debit, pre-Brexit account, although the debt is recent).

 

However, assuming that Moorcroft are indeed not licensed to buy debts, could PayPal pass on the debt to another DCA that is licensed to do so (once Moorcroft realise I will not pay them anything voluntarily)? Has there ever been a case of a DCA (not necessarily Moorcroft) buying a PayPal debt and taking someone to court in the UK?

 

Thank you!

 

 

 

 

 

 

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not for a pre brexit PP debt no

stop worrying.

 

a DCa is not a bailiff

and have

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

 

as long as you dont move without informing your debt owners in writing, thus preventing any backdoor CCJ's , you are quite safe.

 

dx

 

 

 

 

  • 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... 

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Share on other sites

Thank you!

 

Could you confirm that I am understanding you correctly? PayPal have never taken legal action over that type of debt (in the UK), and there has not been even a single case of them selling that type of debt to anyone in the UK?

 

I no longer live in the UK, but I have not informed anyone, as I had no debts when I left, and I do not plan to contact PayPal/Moorcroft. If they did obtain a CCJ against me (which is extremely unlikely), would I be able to find out while abroad and set it aside upon my return to the country?

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no original creditors ever take court action themselves, too much like potential bad publicity.

they sell debts on 

 

if you have no UK assets like property , even if this wasn't a PP debt , but say a card, not even a DCA would bother to do court, nothing to gain.

 

you really should be reading up here on paypal stuff

we are self help too.

 

  • 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... 

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Posted (edited)

Thank you!

 

Yes, I have gone through over 20 topics, but many of them were pre-Brexit, and my circumstances are slightly more specific - the alleged debt was accrued in Scotland in 2022, but I am abroad.

 

I have no assets in the UK, only a few other bank accounts, with funds in them. Am I right in assuming that it would be not extremely unlikely but literally impossible for PayPal/any DCA to have my accounts frozen or obtain funds from them (e.g. via a third party debt order)?

Edited by Orange_panda
missed a word
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You are seriously over thinking this.

 

Forget about the debt...

 

Dx

  • 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... 

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Thank you, Dx!

 

To summarise for future readers:

 

1. This type of debt does not appear on credit reports and does not affect credit scores.

 

2. PayPal have never taken court action nor have they ever sold debts of this type in the UK.

 

3. All of the DCAs (including Moorcroft) merely act on behalf of PayPal and are, therefore, virtually powerless, as they would need to first purchase the debt in order to take one to court. Nevertheless, they never buy PayPal debts (see (2.)), so this cannot happen. 

 

4. PayPal and the DCAs should be ignored, unless one receives a letter of claim, which has not happened yet to date.

 

5. The 'debt' will become unenforceable in 6 (5 in Scotland) years, but this is mostly irrelevant due to (2.) and (3.).

 

6. Stop overthinking and focus on more important issues. 🙂

 

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1. correct

2. to our knowledge

3, no all dca's are powerless they have no more rights than you or i ..

5. statute barred

  • 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... 

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I am fairly confident that if (2.) was not true, you would have heard of at least one or two cases of PayPal selling this type of debts or taking people to court during all these years on the forum.

 

It seems that this is one of the few debt-related instances where doing nothing is the best solution! 😀

 

Thank you!

 

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until brexit that was always the case where no 'credit' had been applied for via an agreement and not gotten from their UK creditor ...newday 

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

worth monitoring.

 

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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Posted (edited)

I am going to follow that topic, but this person is dealing with PayPal Credit, not PayPal Direct Debit (like I).

 

Is this the first known case of PayPal selling a debt in the UK in general? I thought that they never sold Direct Debit debts (like mine), but selling PayPal Credit debts was normal? Should I be concerned?

 

Thank you! 

Edited by Orange_panda
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yours is not credit. simply a negative paypal balance

 

dx

 

  • 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... 

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Share on other sites

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