Paypal woes

alexbishops

I have just paid off an amount of £18 to a debt collection agency. My paypal account was in debt to the sum of approximately £3.40 and I had been receiving emails asking me to pay it off. My issue is that paypal made no reference in their emails to me that I would be referred to a debt collection agency if I did not pay it by a certain time. Can they do this?

I also only found out, via post, that they they had referred me to a debt collection agency when I visited my parents house (I have recently moved). Paypal have not sent me any notification that I would or have been referred to a debt collection agency.

I am currently applying for ESA which I am finding very difficult as I suffer from an anxiety disorder. I had decided to deal with my paypal account at a later date as I had an issue with them as to why my account had a negative balance. Due to my disorder I find these things very difficult.

I have decided to close my paypal account and to never use them again. Has anyone got any other advice for me?

Thank you

Guardsman

I have decided to close my paypal account and to never use them again.

Just follow your own advice.

angelil

If you've dealt with things with Paypal now then I would just move on and learn from the experience. I should think that they can refer matters to a debt collection agency should they choose to - otherwise can you imagine the number of people who could 'pay' using Paypal without actually having the funds in place who (unlike you) don't intend to repay?

Google Checkout is a good alternative to Paypal if you need one but does not seem to be as widely accepted at the moment.

arcon5

Can they do this? Yes.
Any advice? Pay the amount owed next time to avoid further action.

I'm sorry you suffer from anxiety issues, but with all due respect the world keeps spinning and these issues still need dealing with and not brushed to one side.

My partners friend suffers greatly from anxiety but manages to pay his mortgage, utilities, etc on time and hold down a highly regarded job. You just need to find ways to work through it.

Especially in this case where the amount was so derisory, could have been resolved in minutes.

Sorry if this sounds a little unsympathetic, but I hardly think they have done anything wrong here (based on the information provided).

alexbishops

arcon5 wrote: »

Can they do this? Yes.
Any advice? Pay the amount owed next time to avoid further action.

I'm sorry you suffer from anxiety issues, but with all due respect the world keeps spinning and these issues still need dealing with and not brushed to one side.

My partners friend suffers greatly from anxiety but manages to pay his mortgage, utilities, etc on time and hold down a highly regarded job. You just need to find ways to work through it.

Especially in this case where the amount was so derisory, could have been resolved in minutes.

Sorry if this sounds a little unsympathetic, but I hardly think they have done anything wrong here (based on the information provided).

My issue is that they did not make it clear that I would be referred to a debt collection agency. Had they done so I would have paid immediately.

I wanted to raise issue as to why my account was in arrears and the communication I received from them lead me to believe I could leave my account in arrears until I was able to deal with it.

mattyprice4004

alexbishops wrote: »

My issue is that they did not make it clear that I would be referred to a debt collection agency. Had they done so I would have paid immediately.

I wanted to raise issue as to why my account was in arrears and the communication I received from them lead me to believe I could leave my account in arrears until I was able to deal with it.

So you thought they'd just let it lie forever, and not bother chasing the money?!

Of course they want their money, and if you hadn't done anything about it then it's common sense that they're going to attempt to recover it.

What specifically in the communication told you that they didn't mind you owing them money?

themull1

alexbishops wrote: »

My issue is that they did not make it clear that I would be referred to a debt collection agency. Had they done so I would have paid immediately.

I wanted to raise issue as to why my account was in arrears and the communication I received from them lead me to believe I could leave my account in arrears until I was able to deal with it.

For the sake of £3 ish why didn't you just pay immediately then? you can set up a DD/Standing order for the paypal payment to be taken automatically.

George_Michael

Even though very fe people actually read the Paypal user agreement, it is ststed in there about them using debt collectors.

Reimbursement for Your Liability.
In the event you are liable for any amounts owed to PayPal, PayPal may immediately remove such amounts from your Balance (if available). If there are insufficient funds in your Balance to cover your liability, PayPal reserves the right to collect your debt to PayPal by using any payments received in your Account and otherwise you agree to reimburse PayPal through other means. PayPal may also recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.

alexbishops wrote: »

I wanted to raise issue as to why my account was in arrears and the communication I received from them lead me to believe I could leave my account in arrears until I was able to deal with it.

You state that you wanted to raise this matter with Paypal.
Does this mean that you hadn't actually contacted them about it when they passed your debt to the collectors?