NCO and Paypal

r.cobbold

First of all I apologise for my bad English, I'm just not good at it. Secondly I have yet again recieved a letter from NCO for a paypal debt which was sent to an old address and a family member managed to acquire my letters and forward them to me.

My family the first time found out after I was scared of telling them I had a paypal debt and paid it for me furthermore looking down on me for it. The person who paid it was my Grandfather where I currently live now and telling them would be the smart move but I'd prefer to do this alone.

I've got letters from a P. Brown I think it was saying he'd drop round but they have no contact number for me so can't contact me via that other than finding out this new address. I'm 21 and have bad credit and this will just do it even more. I'm at college studying for my GCSE's which I'd rather not drop as I never finished school so debt problems would get me kicked out of this roof over my head and homeless. The debt is for £178.64 to NCO who I assume have purchased the debt from Paypal?

The first debt which was paid off, a guy actually did turn up and was agreed that £10 a fortnight was to be paid. I'd like help writing a letter to get help with this to various companies for harrassment and to NCO to asure £10 a month will get paid as I'm currently on Jobseekers and paying rent here so its all I can afford.

I admit the debt and I'm willing to solve this but only via letters, would it be possible for someone to by chance help me write letters or solve this issue please?

If so I can PM an MSN address to speak on or another email we can chat via if not here or through personal messages at the forum, thanks for anyone who cares to help me time.

hypno06

bumping this one up hoping that someone can offer advice.....

Jaggers_2

What other debts have you got?

r.cobbold

As far as I'm aware, no other debts. My bad credit was due to previous debts when my parents lost their house due to my fathers motorbike accident losing an income which kept the house going. So as they were paying for a few things in my name at that time I got into debt with those and paid them off but the bad credit was from those.

Merlinexcalibur

Okay, don't panic. There is a template letter that can be sent re 'doorstep visits'. I will go and get it for you, so you can send it off to NCO. P Brown is a made up name BTW, used commonly amongst agencies ... no one is likely to turn up at your house. Because P Brown simply doesn't exist. Because he couldn't be in Scotland same day as where he's supposed to be elsewhere could he? See my point ...

and to NCO to asure £10 a month will get paid as I'm currently on Jobseekers and paying rent here so its all I can afford.

I am afraid you shouldn't be offering them an amount like this if you are on JSA allowance. What is that these days, one fifth or one week's benefit?

What I seriously suggest you do is contact someone like Consumer Credit Counselling Services to get you started. They will tell you to offer only token payments, of £1 per month. Which is what they normally do for people on benefits or very low incomes. Do not offer NCO what you cannot afford. It's what YOU can afford, not what they say you can.

I will go and look now for some letters for you and be back. Just give me a few seconds.

Lastly, whilst I do that and I am sure you are sensible enough - given you are already quite knowledge enough to come and ask for the letters; not patronising, just I noted that so you know enough etc to come and ask for those - no further phone contact with NCO or any other creditors. If you have, that is.

I will be back in a moment.

Merlinexcalibur

Letter to send NCO for doorstep visit. They are unlikely to take notice of it, none of them ever do I am afraid. Just speaking honestly. But if it then went to court, this would be your proof you sent it. And with debt it is vital you have a paper trail.

Dear xxxx
Account Ref xxxx
Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.
Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.
There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).
Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.
Yours faithfully,



NCO Europe this would be? Just asking because it's normally Intrum Justitia handles PAYPAL debts. Unless it's already been to IJ, and resold on.
And here is the link to the consumerwiki (freely accessible for anyone online eg public domain etc) template letters for what else you are asking for.
http://www.consumerwiki.co.uk/index.php/Debt::_Letter_Templates
It won't matter so much if you sign these letters because it's a PAYPAL debt. So no consumer credit agreement would exist eg it's all virtual. So, would be no point giving you those letters for that purpose. But ... are you certain this debt is yours before we go any further? If not, might be worth your while asking them to prove it is yours.

Merlinexcalibur

If so I can PM an MSN address to speak on or another email we can chat via if not here or

I am afraid you might not get many takers doing that ... if only because it's a common thing on some consumer forums eg we don't know who you really are. And please take that in the context as intended. Nothing personal. But just reading that said 'why?' But I understand why if you are genuine. Just what a lot may read with the PM thing and MSN.

I have now given you most of the letters you will require for what you asked. They are all online, ready made.

Sure I need to start wearing glasses cos I could swear this part of your post wasn't there 60 seconds ago but is now ...:

So as they were paying for a few things in my name at that time I got into debt with those and paid them off but the bad credit was from those.

You need to clarify what that exactly means here? Because if read in one respect it sounds like fraud of some kind. On first impressions. I know that's probably not what you meant ... but ... I am assuming you actually meant YOU had those debts, they were helping you to pay off? Correct?

Can't really anything else except what I've done already for you in the last five minutes re letters. But you should really get onto CCCS. They also have a website, and their counsellors also have a thread on MSE for people to ask questions. So I'm just pointing you in that direction, being helpful etc.

Merlinexcalibur

Lastly, as I forgot to ask about it. I assume you are in part time education at college not full time on JSA? Reason I ask this is because you can't be in full time education and on JSA. Just thought to mention that. Ignore if not.

Incidentally, about the PM/MSN thing ... only mentioned that because on another consumer forum last year new users used to ask that ... then to discover they were actually not what they claimed. Just pure common sense. Because you never know who is on the other end of it. So why I mentioned that. And to prevent any of that ... because everything you asked for can be done publicly. On the forum, where everyone can see it. Only I've got suspiscious of your post since earlier to be frank. As some of us here PAYPAL debts but ARE dealing with them. And as you've not replied that further increases my suspiscion but I, and anyone with common sense, wouldn't be going on any chat MSN or otherwise. It's called phishing for one and the other ... the obvious dangers should be obvious. Just pointing that out to you and anyone else who reads this then ends up on MSN to a complete stranger. It's an internet forum, you could be anyone.

And for anyone else reading this who naively goes onto MSN I'd really not do TBH. Police would give the same advice as well. But also ask why they want people on MSN so badly, not help through the forum.

Merlinexcalibur

If so I can PM an MSN address to speak on or another email we can chat via if not here or through personal messages at the forum, thanks for anyone who cares to help me time.

No, have to post this now. I'd advise anyone on this forum NOT to do this. Up to you if you pay attention.

And if you genuinely want help because I have suspiscions now after the MSN thing .. but try these people at the top of the page:

http://forums.moneysavingexpert.com/showthread.html?t=1231527&page=61

r.cobbold

I do apologise for not replying earlier but I was at college for my evening courses. I understand what you mean witht he MSN/PM thing and I won't do that again. Thank you for the template and I shall make a few copies of it sending it to them aswell as keeping backups and getting the post office to stamp for me one of the letters just to show I have indeed sent them one if it went to court.

No it wasn't fraud. I had things under my name and my parents were paying for it but as I said my father couldn't work so less/no income to the house I got into debt with them and its given me bad credit. I'm paying it back as much as I can which is a different thing to what my grandfather paid for before.

I have limited internet access also so if my replies are slow thats why I'm not phishing nor am I in any sort of fraud. Thank you alot for your reply and I shall just ask now if I just make a few copies of the letter and send one to them if further more action takes place on their behalf do I ignore it unless we agree as you said a low payment of say £1 a week and if they take me to court I have the proof for them so should be ok?

I'm on £95.90 a fortnight from JSA and my college is nighttime less than 7 hours a week so thats allowed as the course was via the jobcenter anyway. But £50 of that is for rent to my grandfather and the rest over a fortnight is for toiletries and other needed things.

Fire_Fox

r.cobbold wrote: »

First of all I apologise for my bad English, I'm just not good at it. Secondly I have yet again recieved a letter from NCO for a paypal debt which was sent to an old address and a family member managed to acquire my letters and forward them to me.

I'm 21 and have bad credit and this will just do it even more. I'm at college studying for my GCSE's which I'd rather not drop as I never finished school so debt problems would get me kicked out of this roof over my head and homeless. The debt is for £178.64 to NCO who I assume have purchased the debt from Paypal?

Your English is a lot better than you think; you use paragraphs which really help to make a post easier to read. And well done for going back to college! :T