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    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. Once question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if i am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
    • a chargeback via a paypal account used in an ebay sale doesn't usually result in funds being sucked from your bank account,  just that you attain a paypal negative balance. as you saying the money was taken by paypal from your bank account without you authorising this? or is it directly the buyers name that is shown? regarding the chargeback but either way you bank account HAS been debited? dx  
    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Dessie v Abbey ***SETTLEMENT REACHED***


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Congratulations - I adding up my chrges now - I was worried about working out compounded interest but think I will just list it as you have done and see what happens - I ahve been told to send to Alan Betts Head of Unsecured Debt Management - at Grafton Gate East - is this who you dealt with??

 

 

Thanks - and ...I know its a daft question but how do you start a new thread? I.m having a bad day!

 

Kathie

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Still waiting for the money to arrive in my Abbey account. I have had the settlement letter from DLA and to day is 10 days from agreeing a settlement. I will phone the bank again tomorrow and will be onto Alison Burton if I dont have any joy.

 

As regards a question that was posed a couple of posts ago - I spoke to the Abbey regarding access to the account as I decided to have the money paid straight to there rather than waiting for a chaeque and then waiting ofr it to clear. I was told that the account is still active but the only way I will be able to access it is through the branch. As soon as the money is paid in then that will clear the £1k overdrawn balance and the rest is mine and will be drawn over the counter in cash (because I like to be awkward) and transferred to my Nat West account. They can then have my cards etc and close the account.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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edit....

 

drawn over the counter in cash (because I like to be awkward) and transferred....

 

I don't know what the cash limit is, but I suspect that more than a few hundred might need to be "pre-ordered".

Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00

Abbey - Won Charges Refund of £1050 - Nov 06

Egg - Recovered £220 due to Customer Services misinformation - Feb 2007

Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.

 

Please check out my web site www.BankChargesScandal.co.uk for Research, Useful links and my story.

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I am expecting to have to speak to the bank before I go in and get the cash. It will a pleasure to accept the cash and then hand over my card and tell them to close the account.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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Still no payment today, and today is 10 working days from agreement being reached. Alison Burton is out of the office and I have been speaking to Paul Denham this afternoon. Have phoned them to chase up payment but been stonewalled basically.

 

Will be phoning him again in a mo, he says he has passed it on to a colleague who was on the phone when I asked to be put through to him.

 

I have told him that if I do not receive the money in my account by the end of today I will be withdrawing my offer as "full settlement" and will be proceeding with my claim for the full amount (about another £500-600).

 

Am a bit stressed and quite a bit annoyed.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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Have issued ultimatum through DLA and guess what?

 

10 minutes later, a phone call to say that a cheque has been paid into my account.

 

But

 

A CHEQUE???????

 

Abbey paying an Abbey customer some money and they pay by CHEQUE rather than a direct transfer grrrrrrrrrrrrrr

 

Anyway, money will be available once the cheque has cleared on Thursday :D

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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Cheque has cleared today :D

 

Time to start round 2 I think.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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