PayPal Negative Balance

Brooker_Dave

cjmillsnun wrote: »

Paypal will argue that he sent a gift, and did not pay for goods and services.

OP used the gift option when sending payment so PP have a point.

Paypals various service options don't overrule UK law, banking legislation and OP's rights.

HTH.

Brooker_Dave

Arleen wrote: »

And for that you have to go to court, not complain to your bank or paypal for missing goods.

S75 and the various consumer laws and regulation of this country overrule any of Paypals rules.

Brooker_Dave

Arleen wrote: »

Paypal will take it back from the bank

You think Paypal are more powerful than UK banking regulation??

Arleen wrote: »

or will collect it from OP via court order of their own

Paypal don't do court, they offshored to avoid our banking legislation and regulators.

And even if they did, how could they possibly hope to win, OP used his rights.

Arleen wrote: »

Likely the former once bank and paypal have a heart to hear about it in few weeks and it turns out that the direct debit claim made by OP was wrong.

How can one person be so wrong on so many things?

Arleen

Brooker_Dave wrote: »

S75 and the various consumer laws and regulation of this country overrule any of Paypals rules.

Except where S75 doesn't apply as this isn't a credit card. You really just throw random stuff without knowing what are you using.

I get it that you may dislike it, but this is a civil case and OP wil have go to court or pay the 750 quid to straighten it out without getting a hit on his credit/in trouble with his bank. "Adivising" wrongly as you do now, will only get OP in bigger mess than he is. OP send cash to someone somewhere, not purchased stuff. Whether the contract between OP and the scammer even exists is in doubt and must be established in court before any debt may be chased. That is what happens when you send cash to strangers instead of using secured purchasing platforms.

Brooker_Dave wrote: »

How can one person be so wrong on so many things?

And yet you are.

Brooker_Dave

Thrugelmir wrote: »

You wrote this earlier. Outcome seems predictable. If you fight the matter. Not only will you have a debt to settle but additional costs.

They can't touch his credit file and won't it go to court.

Thrugelmir wrote: »

Doubt that Paypal will wish to maintain a relationship with you either. Not good if you intend trading internationally in the future.

There are plenty of other ways to trade internationally, given how badly Paypal has treated OP, why would he want to use their services again???

Brooker_Dave

Arleen wrote: »

Except where S75 doesn't apply as this isn't a credit card. You really just throw random stuff without knowing what are you using..

We don't really know which of his rights he used to get the stolen money back, but he got it back.

Arleen wrote: »

I get it that you may dislike it, but this is a civil case and OP wil have go to court or pay the 750 quid to straighten it out without getting a hit on his credit/in trouble with his bank.

Paypal can't touch his credit rating and can't go to court, and why would his bank, who have refunded the scammed money, cause him any trouble???

marliepanda

Brooker_Dave wrote: »

They can't touch his credit file and won't it go to court.



There are plenty of other ways to trade internationally, given how badly Paypal has treated OP, why would he want to use their services again???

How have Paypal treated him badly (I am aware you hold a grudge, but I want to hear facts, not grudge opinions)

Paypal offer a payment for goods with protection and fees, and gift options so people can send money to their family and friends without a fee. Naturally this does not offer protection for not receiving goods as it is for gifts...

OP chose to lie and send money for goods as a gift, and is now mad because he didnt get his GOODS when he should have paid using GOODS

What exactly have Paypal done wrong?

Brooker_Dave

Arleen wrote: »

OP has no right to a refund from paypal, the claim is incorrect and likely paypal will get money that way.

You seem to be confusing Paypals rules with actual laws and regulation?

You are aware that real law overrules Paypal's?

Arleen

Brooker_Dave wrote: »

We don't really know which of his rights he used to get the stolen money back, but he got it back.



Paypal can't touch his credit rating and can't go to court, and why would his bank, who have refunded the scammed money, cause him any trouble???

Yes we do, it's in op: direct debit indemnity, which means that OP said to the bank "this direct debit payment is wrong/illegal" to which bank instantly refunded him the sum and demanded it from paypal. Once they get details from paypal how correct the transaction is (and they will as every DDI claim is investigated after), OP will have to return the 750 quid to paypal or be in trouble with the bank.

Brooker_Dave wrote: »

You seem to be confusing Paypals rules with actual laws and regulation?

You are aware that real law overrules Paypal's?

Correct, but you don't know the laws that govern any of this, that is clear, and yet seem to say that some magical ones protect op.They don't, at least not yet. First OP must establish that there was a contract and that it was breached. And for that OP will have to go to court, instead of using paypal mediation service which would be available if he went the correct route.

Brooker_Dave

marliepanda wrote: »

How have Paypal treated him badly

Matey paid with a card or by direct debit (is that even possible?) to get some mail order goods, presumably assuming that paypal was a safe payment method.

Then it turns out it was a scam and he used his rights to reclaim the money as he or she is at perfect liberty to do.

Only scammers are long gone and Paypal is down, but that's they're problem not his or hers.

Now they are trying to dupe OP into covering their loss, predatory behavior.

marliepanda wrote: »

(I am aware you hold a grudge, but I want to hear facts, not grudge opinions)

That's not actually true, but if it makes you feel better to believe it?

marliepanda wrote: »

Paypal offer a payment for goods with protection and fees, and gift options so people can send money to their family and friends without a fee. Naturally this does not offer protection for not receiving goods as it is for gifts...

Paypal rules vs real rules.

See if you can guess which ones actually count.

Then you'll realise why the money was refunded.