What will have happened with the debt collection PayPal forwarded some debt onto?

Jlawson118

I'm just curious and in no way in any trouble, but I'm curious and have been for a while.

So around April 2015, I was the victim of fraud. I lost nearly £1500 to a gambling website that I had used before, only this time it wasn't me. The majority of the money went through via PayPal and the remaining few hundred came straight out of my bank and savings accounts, it was a giant attack.
However, First Direct managed to stop £70 of this money going through to PayPal as they classed it as a direct debit. It was then that PayPal started demanding this money off me. I simply couldn't afford to, and my account was in negative figures also.

They demanded this money for months, I forwarded the police confirmation onto them numerous times but they just threatened to forward it onto a debt collection agency, in which they did and it wasn't long before I started getting letters.

One particular day, this company phoned me up, I told the lady it was a fraud attack and PayPal refused to pay any attention to that. She asked for the crime number, I gave her it and well I never received another phone call or letter after that.

Earlier this year, I started checking my credit score too to see if this debt was on there and it wasn't. I'm just curious as to why PayPal could never accept this attack, yet the debt collection agency wrote it off straight away. Would this £70 debt come out of the debt collection agency or PayPal?

sourcrates

Hi,

Absolutely no idea why PayPal would not accept your fraud explanation.

The DCA would just be acting on PayPal's behalf so a crime number would be all they need to back off.

Could be a misunderstanding on PayPal's behalf as they are a foreign company and the majority of there staff are too.

takman

Did you inform the Gambling Website of the fraud and provide the crime number?. I'm surprised they didn't just refund the money that was fraudulently used?.

It doesn't sound like a very good attempt at stealing money from you because if they did manage to win any money on the gambling site it would have had to have been refunded to PayPal anyway. So the fraudster wouldn't have gotten any of the winnings. It sounds more like an attempt to make you personally loose money!.

Jlawson118

takman wrote: »

Did you inform the Gambling Website of the fraud and provide the crime number?. I'm surprised they didn't just refund the money that was fraudulently used?.

It doesn't sound like a very good attempt at stealing money from you because if they did manage to win any money on the gambling site it would have had to have been refunded to PayPal anyway. So the fraudster wouldn't have gotten any of the winnings. It sounds more like an attempt to make you personally loose money!.

Yeah I informed everybody. First Direct's fraud department were the first to call me and let me know it was suspicious, but by the time they did, my account was empty, but they informed me to contact William Hill (the gambling site) as well as PayPal.

William Hill promised to investigate and they locked my account off, and then PayPal also promised to investigate, but both informed me these weren't fraudulent, and this is because I used both of the services myself previously. But surely there's a difference between me depositing say, £10 every other week or something like that, to somebody depositing £200/£300 every few hours..

Nobody wanted to refund me, and to tell you the honest truth, even First Direct refused to give me the money back too, so it wasn't just WH and PayPal. Eventually I wrote an email of complaint explaining of other suspicious activity that had been going on, and I had the money refunded to me. The lady who dealt with it for me made me sign something that said PayPal and William Hill had 60 days to prove the payments were not fraudulent, and if so, they'd take the money back from me again. But I withdrew it, and put it into a few different bank accounts, a new one I opened, and one my grandma has saved for me ever since I was young and it's still in her name, for me..
They never did request it back and this is over a year ago now.

And I don't even know what they'd have gotten out of it, but there'd been credit card applications made about a month before that I didn't really know about, and I think the police said that using a gambling website was like they were using it as a way to transfer money somehow, even though I know it doesn't work like that

I've just been curious recently