paypal And Debt Agencies?

Kimberley

Can paypal get money back via a credit agency? It's a long story, but to cut it short i sold an item for £25 and the item was returned to me because it didn't work in the buyers area (It was a mini Tv)

Paypal refunded him his money even though i told them i said no returns in my listing and that the reception may be fuzzy in some areas and to make sure you live in a good reception area BEFORE bidding.

Well my PP account went into the red by £25 and i refused to pay it. I have now received a letter from a debt collection agency saying i owe PP a debt of £25.

Can this agency force me to pay even though i never borrowed the money from PP? Can they demand the money even though they took the buyers word over mine?

What i'm trying to ask is surely a debt agency can only collect money from a creditor who i borrow money from and not from somewhere that put my account into the red without my say so.

mclaren_2

https://www.paypalsucks.com and https://www.paypalwarning.com have some info on debt collectors. They also have a help forum - with people who have delt with these ppl be4

Kimberley

I see, yes the letter i've received is from NCO, thank you so much.:beer:

soolin

The simple answer is yes paypal will chase a debt and can use a debt collector. They have been in trouble in the past for being heavy handed with the collecting agencies they often use, so be careful.

Soo

Kimberley

soolin wrote:

The simple answer is yes paypal will chase a debt and can use a debt collector. They have been in trouble in the past for being heavy handed with the collecting agencies they often use, so be careful.

Soo

It's not a debt though, i didn't borrow money from them, they just decided to put my account in the red on the say so of the buyer.

Surely if it went to court, the judge will see i didn't borrow the money

pennylane99

a debt doesnt have to be money you "borrowed"

you got the buyers cash...and your goods back. You cant expect to have both.


If you dont pay it, the debt collectors could take you to court, which will end up costing you more in legal fees...and it will also be on put your credit file

Alfie_E

Kimberley wrote:

It's not a debt though, i didn't borrow money from them, they just decided to put my account in the red on the say so of the buyer.

Surely if it went to court, the judge will see i didn't borrow the money

It’s an alleged debt. PayPal say you owe the money. You say you don’t, because you believe PayPal have been incorrect in their disputes procedure. But, as you’ve got your item back, there’s really nothing to argue about. You could argue that, in returning the money to the buyer, PayPal should be constrained to simply taking ownership of the item – that they have now bought it for themselves. If it were an extremely high value item, maybe a situation like that could end in court. For £25, it isn’t.

soolin

Like the others have said the buyer has no TV and no money, you had both. Therefore paypal were correct in refunding the buyer if they had found in his favour, your own auction terms cannot outweigh the t and cs you agreed to when you set up a paypal account.

You do 'owe' £25 and you don't need to borrow money to be in debt to someone.

Personally I would pay up and resell the TV. Debt collectors are often not the nicest people to have call round to your place.

powertron

Kimberley wrote:

Can paypal get money back via a credit agency? It's a long story, but to cut it short i sold an item for £25 and the item was returned to me because it didn't work in the buyers area (It was a mini Tv)

Paypal refunded him his money even though i told them i said no returns in my listing and that the reception may be fuzzy in some areas and to make sure you live in a good reception area BEFORE bidding.

Well my PP account went into the red by £25 and i refused to pay it. I have now received a letter from a debt collection agency saying i owe PP a debt of £25.

Can this agency force me to pay even though i never borrowed the money from PP? Can they demand the money even though they took the buyers word over mine?

What i'm trying to ask is surely a debt agency can only collect money from a creditor who i borrow money from and not from somewhere that put my account into the red without my say so.

Same thing happened to my work collegue. Ebay refunded a buyer even though the buyer had not read the description of the auction properly. They took money out of her account. She was so disgusted with what paypal did i.e. helping themselves to her paypal funds she refused to pay them back.

Her attitude was that if Paypal chose in all their wisdom to pay back the buyer they can lose out on the money rather than her buyer.

Her account went into the red to the value of £27 and to this day she has not paid them back, after a few threatening letters and so-called collection agency letters for the first few months, it looks like paypal have given up on her as she no longer gets any letters from them.

I think she set up a new paypal account. It could be that if the sum is less than a certain amount like £30, paypal do not pursue it.

caesarz

But do the buyers get the money refunded to them when a seller choses not to pay the money to paypal?

Or do paypal only pay the buyers after the seller had paid them the amount owed?

mcwarre

I feel sorry for the OP. Yet again it shows the issues with eBay and Paypal. These kind of events seem to be getting much more common. Whilst I appreciate that they may be a small percentage of the transactions which have taken place they are become significant.

eBay is nothing more than an online car boot. The buyers (generally) want it all. Paypal protects no-one but themselves. That is why they have class-action lawsuits against them in the States................

They are a necessary evil. No more, no less.