What will happen with this debt??

emylou

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I have posted this on the ebay thread but there is more "traffic" on here so to speak.

(This started last week)
Just received an email from paypal (after my 2nd phone conversation with them where they told me it did appear to be a glitch and they would marl it as urgent that a manager would deal with the issue)

"The payment is held because the buyer’s bank has recalled the payment.
The request to recall the payment could come from the owner of the bank/card, or from the bank. Kindly note that as this is initiated from the bank there is no timeframe in place to stop them recalling the payment even after 2 years and as the bank has taken this action then it is within their timeframe for this action."

It states on the paypal site that refunds/disputes re claiming money back have to be within 180 days of the transaction & when I went into my bank B******* on Monday they said the other bank would not be able to take my money a) after 2 years and b) without my consent!

What on earth do I do now?? (In case I haven't mentioned I sold a mobile hone for £170 on ebay in August 2009 and now they want to know if I have proof of posting/tracking number etc? The buyer actually left me feedback saying "good seller" but I have no proof of sending!?)

Just had a new email from paypal

"We have completed our investigation. Unfortunately, we are unable to reimburse you for this bank reversal."

My paypal account is showing as minus now but according to by current account funds haven't been taken from there.
I had a huge row on the phone to a supervisor who said that although their website states 180 days there is no limit on a time frame for banks to claim money back and as I can't prove postage/tracking number they have reimbursed her!? I am in shock a) how/why would I keep proof after 2 years (I am a hoarder but not that badly!) b) she left me positive feedback- if she didn't receive the item why wait 2 years to open a dispute??
If I don't use paypal again what will happen- can they send debt collectors round or anything?
My Mum says I should go to the small claims court or CAB but I am not sure if they can help? The only solution Paypal has is for me to "contact the buyer" I told them I tried with the email address I had from our previous correspondence but funnily enough it was coming straight back to me now so it's either closed or full!?

I don't know what to do!?

lvm

Ok...from memory, yes Paypal will send to debt collectors (I had them trying to chase me for about £17 ages ago b8ut haven't heard from them in over a year or 2).

Can you look at Paypal history and get the buyer's address?

Also, are you sure they're claiming for non-delivery of the item? Or has the phone they bought maybe broken? I'm not sure how Credit Cards work on paypal but I wonder if someone used their credit card if they're maybe covered by S75 and can claim the cost back if the phone has broken and they believe it was faulty (or more likely they're just trying their luck!)