Paypal limitation

Pembroke

bigman99 wrote: »

This is getting even more bizarre and interesting.
How can transferring funds from one account to another be classed as money laundering especially as we are talking 1500GBP and we were both verified paypal users.
On top of this all the transfers were done as personal payment - money owed.
Perhaps another reason why they are vexed cos they dont get fees for personal payment transfers.
To be honest, i dont mind if they close my account. It isnt the end of the world.
But i would not allow them keep my funds for 180 days .....NO WAY!

But if you look at it from Paypal's point of view, they don'y know that it's money owed do they ? all they see is there are two accounts operating from the same IP address, account one transfers £1500 to account two then goes into the red to the tune of £1800, they think that the only reason the £1500 was moved was to avoid paying them back. Not sure I'd call that money laundering but you must admit it does look a bit suspicious.

The only way out that I can see is if you were in a position to transfer the cash back again, but you'd then need to trust your mate for £3000 and then have him repay you at a later date. Oh and when he does pay you back, make it a cheque or a wad of 20's not via PP okay?

bigman99

Thanks for your input but i guess you missed the flow of my original post ...
My friend settled me long before he had any issue from the dropshipper. Recall, i used his account to help sell his home stuff and paid myself from it.
It was after i handed his account back to him and he carried on trading and dropshipping that he eventually got into trouble cos one of his dropshipper turned out to be bogus.
The fact is an association was made between our 2 ebay accounts when i was logging into my account and his from same computer. Even after i stopped using his account, the association was retained on ebay system, hence why they limited my account.
BTW, paypal explains that the source of the association was from ebay and that it was them. i.e. they relied on info/assistance from ebay.

The money in question (relating to his negative balance) was withdrawn to his own bank account and then he paid his dropshipper by BACS. None of these funds came into my paypal account.

knightstyle

Just a thought. When my computer was broken I used the computer in the local library to carry on with some ebay purchases. If a complete stranger then used the same computer would ebay link our accounts and perhaps hold me responsible for the strangers debt?

soolin

knightstyle wrote: »

Just a thought. When my computer was broken I used the computer in the local library to carry on with some ebay purchases. If a complete stranger then used the same computer would ebay link our accounts and perhaps hold me responsible for the strangers debt?

No, because you would have nothing else in common.

The OP in this instance acted as though he was the friend, he sold items and took money for this 'friend' so basically inpersonated him ( I don't mean that in a bad way, just that he traded as the friend). Then friend took back their own account but of course there is still a link.

cyberbob

knightstyle wrote: »

Just a thought. When my computer was broken I used the computer in the local library to carry on with some ebay purchases. If a complete stranger then used the same computer would ebay link our accounts and perhaps hold me responsible for the strangers debt?

Ebay as well as looking at IP addresses and personal details Look at selling buying patterns. As Soolin pointed out this is where the OP is in trouble due to the way they traded for their friend

piratefairy

Would that be the same, cyberbob, for this:
If I borrow / lend money to my sis for example, we sometimes pay each other back via paypal, as we both have ebay a/c's and buy from there. These trransfers would go across as personal payments owed, as that is what they are. So would that be flagged up by PP with the same surname as well, but nothing else in common? Unlikely to be on the same PC, and addresses not the same...?

Astec

Paypal seem to be a law unto themselves... Just a thought, are they FSA regulated? If so make an official fsa complaint to paypal, should cost them around £300 and will make them jump a bit.

Got to disagree with the 'look at it from paypal's pov' posts. They are two separate LEGAL entities, two different names, two different addresses, two different bank/CC. The debt is between paypal and the OP's friend, due to data protection paypal shouldn't even discuss the existence of the 3rd party's account, never mind tell the op to get them to sort the debt out!

Look at it from another view, say they were two people sharing a pc at work, would they still be able to do this?

soolin

Astec wrote: »

Paypal seem to be a law unto themselves... Just a thought, are they FSA regulated? If so make an official fsa complaint to paypal, should cost them around £300 and will make them jump a bit.

Got to disagree with the 'look at it from paypal's pov' posts. They are two separate LEGAL entities, two different names, two different addresses, two different bank/CC. The debt is between paypal and the OP's friend, due to data protection paypal shouldn't even discuss the existence of the 3rd party's account, never mind tell the op to get them to sort the debt out!

Look at it from another view, say they were two people sharing a pc at work, would they still be able to do this?

The same person though was originally using both iDs to sell and receive payment. So if your colleague at work asked you to run his account for him while he was away and you continued to buy and sell using the same home address then yes you would be linked.

soolin

piratefairy wrote: »

Would that be the same, cyberbob, for this:
If I borrow / lend money to my sis for example, we sometimes pay each other back via paypal, as we both have ebay a/c's and buy from there. These trransfers would go across as personal payments owed, as that is what they are. So would that be flagged up by PP with the same surname as well, but nothing else in common? Unlikely to be on the same PC, and addresses not the same...?

No because you are both working independently of each other at different addresses. If you had your sisters account on your home pC and traded pretending to be your sister, then yes they would be linked.

bigman99

All these is becoming more interesting. I thank all for their comments so far.
Of course, i dont agree with all the comments and it is not cos i am person suffering or looking for sympathy.
One key point which i would like clarifying is as follows~; Is it against any ebay or paypal policy to authorise someone else to log into your account on your behalf to assist you? cos herein lies the key to all this mess. (in my opinion).
Putting my current issue aside, i normally ask my wife to manage my account for me when i am away cos i can't deal with it and it is faster (in terms of good customer service etc) for her to do it for me in my absence. Does it mean, i am breaking their policy?

Yes, i used my friend's account with his consent and handed back to him. But surely it doesnt make us same entity. Hard as i try, i cannot see this as being reasonable from paypal's view point.

I have spoken to Solicitor and he confirms that it constitute an illegality for paypal to harass or disturb me over another party's problem irrespective of whether i assisted him with his account etc. He stated there would have been an issue if friend is claiming fraudulent use but on this occasion, friend has confirmed he is liable and responsible for his account.
Solicitor highlighted various scenarios e.g. a business seller could appoint and authorise an agent or worker to help list or manage ebay account. This can be done from employee's home and he may well have a shared 'puter at home or even have his own ebay account. Would it be fair for the ebay/paypal to link his own personal account if the business that he was working for fails to resolve a negative balance?

I think we need to view this from a broad and independent perspective.
Yes, there was an association as a result of logging on from same 'puter etc.
But both parties have now confirmed themselves as separate entities. Separate dis-similar names, separate bank, separate CC, separate address.
And most importantly, the party with neg balance has confirmed in a signed letter that he is responsible for his account and draw their attention to DPA that forbids them from disclosing his account to others.
Surely, Paypal cannot be deemed as acting fairly and lawfully on this occasion.

Someone has highlighted that taking them to small claims court or ombudsman might lead to account closure, but what more am i expected to do in this instance.
I cannot force my friend to pay instantly when he clearly doesnt have it and moreover Solicitor i spoke to strongly advised me not to make any promises or coments on my friends ability to pay. He stated i should simply just evidence it that we are 2 separate entities.

To be honest, i am fed up!