EBay, Paypal and Debt Collection - Worried!

RFW

If they take you to court, there will be extra charges, but unless a judgment is entered against your credit rating will be unaffected by going to court. In court you would have a chance to put your case and it isn't cut and dry that they would find against you.

However I would be surprised if they did take you to court, they'd most probably have done it by now. They only say that it "MAY result in legal action".

Debt collection agencies (who often have bought debts for a small percentage of the amount owing) rely on fear of people going to court and their credit rating in getting them to pay up, they very rarely actually use court action.

gypsymoth

RFW wrote: »

If they take you to court, there will be extra charges, but unless a judgment is entered against your credit rating will be unaffected by going to court. In court you would have a chance to put your case and it isn't cut and dry that they would find against you.

However I would be surprised if they did take you to court, they'd most probably have done it by now. They only say that it "MAY result in legal action".

Debt collection agencies (who often have bought debts for a small percentage of the amount owing) rely on fear of people going to court and their credit rating in getting them to pay up, they very rarely actually use court action.

Thanks for replying RFW

I've just had my 3rd call of the week from them. This time I answered it - and planned on telling them a letter was on the way - but the divvy on the other end managed to cut me off as I started to speak. And then... no return call. So they dont even have the common sense to make another call straight away and are clearly working to a schedule. :mad:

Brooker_Dave

gypsymoth wrote: »

Just a followup

I received another letter from Intrum Justitia demanding the money - the text is below

We refer to our previous letter regarding your debt of £264.55 and to date we have not received payment of this long overdue account.

Failure to settle your account may result in legal action being taken against you and any legal fees and costs being added to your debt.

What to do next:
You must send paymenjt of £264.55 immediately.

Full details of how to make your payment are outlined overleaf.

We look forward to the speedy conclusion of this matter.

Yours sincerely

Intrum Justitia Ltd

Reading the advice above, and speaking to my nearest and dearest, even though I know there's amount outstanding... Intrum / Paypal should be explaining what the amount relates to - not just making a vague and frightening claim against me. I've opted to send a recorded delivery letter to both Intrum and Paypal demanding any information they've got about me on file and the basis for their claim. Only then will I entertain it.

Doe anyone consider this approach a risk? I'm just concerned that they will suddenly say "right, let's take him to court"

cheers

Has Paypal *ever* taken anyone to court?

Don't pay, get proper advice first.

zenseeker

Brooker_Dave wrote: »

They put on a big fee to collect the £5 I owed, I refused to pay either, and it appears they cannot enforce anything as they are not from the courts.

I'm afraid that they can enforce it, I received a county court summons (complete with date and venue) and only avoided it by coughing up what I owed. I sought advive from the CAB and they were the ones who advised to just pay up and get it over with, otherwise I would have had to pay court costs and everything on top.

Sometimes they can be slow on acting against you, but they will get you in the end.

Just pay up and put it behind you is my advice.

chickflix

d.edna wrote: »

Or they will send someone round, you say that they left they will ask for your ID and then you will be screwed

Highly unlikely.

Brooker_Dave

zenseeker wrote: »

I'm afraid that they can enforce it

They can only enforce a debt if they have been to court and won a judgement against you.