Paypal Disputes

OceanSound

SMF1 wrote: »

..I've never had to take anything to court before, and have never appeared in court myself for anything. I have absolutely no idea how it works and for £800 I have a funny feeling there would be no point in chasing it through the courts as fees would quickly mount up. I'm willing to put in all the effort and time in the world but I can't afford to throw money at it to get it back, I understand that the fees would be repaid to me for court but if in the event I don't get it back then I'm even more out of pocket than I am now.

Not many of us have taken anything to Court, nor are we from legal backgrounds.

BTW, I believe you are thinking of a fully fledged court. For smaller disputes like this there is a small claims Court. I think it cost less than 100 pounds to file an action. Even that you can reclaim if you win. Did you explore the no-win-no-fee road? (the link I posted)

Still feeling like I have nowhere to turn just now and feel like they are not in the least bit fussed about it either.

You said the paypal lady entered some new bits of info and have promised to re-investigate. Hopefullt that will shed some light.

SMF1

Ah, I wasn't sure if it would be able to go through a small claims court because it's a large company.

Paypal haven't come back to me yet so hopefully they are reconsidering. If I've not heard from them for tomorrow I'll call them again. That was Saturday I spoke to them last.

Also, when I spoke to them I asked for them to tell me the IP address that the payments were made with. They refused. I questioned them and they said they could not give me it. I said as far as I'm concerned you're telling me it was me the payments were made by, I know my IP address of my PC and I want to confirm for myself if it's the same IP.

DCFC79

SMF1 wrote: »

Ah, I wasn't sure if it would be able to go through a small claims court because it's a large company.

Paypal haven't come back to me yet so hopefully they are reconsidering. If I've not heard from them for tomorrow I'll call them again. That was Saturday I spoke to them last.

Also, when I spoke to them I asked for them to tell me the IP address that the payments were made with. They refused. I questioned them and they said they could not give me it. I said as far as I'm concerned you're telling me it was me the payments were made by, I know my IP address of my PC and I want to confirm for myself if it's the same IP.

Send a subject access request as advised earlier.

SMF1

Is there anything I need to request from them specifically, and is a subject access request just a freedom of information request? I've read they can charge a £10 admin fee for providing it but I refuse to give them another penny.

DCFC79

SMF1 wrote: »

Is there anything I need to request from them specifically, and is a subject access request just a freedom of information request? I've read they can charge a £10 admin fee for providing it but I refuse to give them another penny.

It was suggested in an earlier what to ask for.

As for the fee I dont know, as far as I know a foi request is free but look into it.

eskbanker

SMF1 wrote: »

Is there anything I need to request from them specifically, and is a subject access request just a freedom of information request? I've read they can charge a £10 admin fee for providing it but I refuse to give them another penny.

DCFC79 wrote: »

It was suggested in an earlier what to ask for.

As for the fee I dont know, as far as I know a foi request is free but look into it.

A Freedom Of Information request is different from a Subject Access Request under the Data Protection Act, the former being a means of extracting all sorts of information from public sector (only) organisations, whereas the latter is the way to obtain personal data from any organisation operating in the UK.

So, it's the latter that applies here - since GDPR kicked in in May, there is no longer any fee involved (companies could charge £10 before). Further details at https://ico.org.uk/your-data-matters/your-right-of-access/

SMF1

Sitrep: I contacted the bank again after getting no where with paypal themselves. The bank got me to fill out an indemnity request form and the money that was missing was back in my account less than 24 hours later. However today the money has gone missing again, the same amount. It looks as if Paypal have entered my account and taken it themselves.

I've called them to discuss it, they say they have no record of the bank to a charge back and they also have no record of the money being taken back again from my account.

The money wasn't taken as a payment that had been made through my paypal account, so that rules that out. And they also have no other accounts on their file with my bank details.

Now I'm having to embarassingly send them one of my bank statements as proof of what I'm saying has happened. So now they have access to everything incoming and outgoing from my account including my bank balance.

What the hell is going on?!

eskbanker

I'd have thought that this signifies that your bank issued a chargeback against PayPal but that PayPal have disputed it, so your bank will have reversed the reimbursement rather than PayPal having helped themselves directly. If this is the case then your bank should be able to confirm what's happened, even if PayPal aren't making any sense....

SMF1

Paypal couldn't make any sense of it. They said they hadn't received the initial indemnity and they had no record of them charging the payment back today.

Bank said nothing on it and completed another indemnity form to get it back gain. Spoke to a really helpful chap from Paypal who couldn't sympathize with me enough which was nice as until it's basically felt like everyone I've spoke to from Paypal is treating my like a criminal who is trying to do them out of money which I do understand but still.

SMF1

Final update to this debacle.

I referred my complaint to the Financial Ombudsman Service and they sent Paypal a notice ordering them to send me a final response to my complaint.

Paypal later got in touch with me to say they had received the order and would investigate the case again as part of the procedure of issuing a final response to a case.

Almost a month later I got a phone call today from Paypal's Executive Escalation Office in Luxembourg. In light of the information they had they told me they believed that the payment had indeed NOT been made by me and they would refund me in full and they were sorry for the inconvenience caused.

In all honesty I thought I had no hope in hell of winning this case because I know what the evidence against me looked like, but I'm thankful someone has taken this case a bit more personally and investigated it further.

I have to 'accept' their offer to refund me my cash and it will be in my bank within 7 business days. Glad it's all came to an end, I couldn't write that amount of money off.