Hi! I tried messaging you, but I keep getting an error message. Could you tell me how to access the PP service which 'lets you download all data they have for you'? Thank you!

I'm interested in hearing what they have to say, but this does not necessarily mean that I will do as they say, of course. I'm simply trying to find as much information as I can. Thank you for the advice. I will try to keep you posted.

Thanks! I have already spoken with Citizens Advice. They offered me an appointment and advised me not to give or promise anything to PayPal.

Also, will ignoring the debt collectors have any effects on my credit score or does this only happen if you formally set up a debt repayment plan and then fail to stick to it? Can the PP/the DCAs file a CCJ against me? Thanks!

Yes, I've had my PP account for many years. I have not explicitly agreed to any new terms and conditions, but as you know, PP (and companies in general) simply inform you when there is a change to their rules, so you automatically accept them or you have to inform them if you do not agree with the changes and want to have your account closed. Thanks!

I see, thank you. I assume that if I start ignoring them, they will pass on (but not sell) the debt to a DCA, but I am not sure if they will have any more legal authority than they had pre-Brexit. What is the worst that could happen if I start ignoring the debt collectors as well? Perhaps I'd receive a letter of claim and be taken to court? And the best? The debt will be written off in 6 years?

I see now... So PP taking non-existent money will not be possible from tomorrow onwards? Damn... Yes, my bank suggested cancelling the DD to PayPal, and I will most likely do so. My PP balance is already negative, however, so (according to the PayPal agent I spoke to a few days ago) it is up to me to bring it above zero, and they will stop trying to take money from my funding sources after 3 failed attempts—I'd rather not take them for their word, though. I also have an appointment for opening a new bank account for tomorrow. How should I proceed, given that my PP balance is already in the red? I will try to call them in the next couple of days as I am interested in hearing what they have to say, but should I cooperate or begin ignoring them? Regarding the gambling, I called GamCare last night. Thank you!

Thank you for the swift reply. My apologies; I hadn't checked in several hours. My PayPal balance is already negative. Sorry, I am not sure I understood you completely. Who is not going to be 'in the way' of what? Do you think I could dispute these transactions? Thank you!

I acknowledge that there are several threads similar to mine, but most of them are from before Brexit, so something might have changed. Last week I was gambling online. Unfortunately, I lost control and gambled away all of my savings. Not only that, but PayPal (via Direct Debit) somehow managed to debit me several thousand pounds more than I had in my bank account. My PayPal balance is yet to turn negative, so I have not spoken with their collectors. From what I have read, I assume that they are going to give me 90 days before they pass on the case to a DCA. 1. Is what PayPal did even legal? I managed to find other similar cases on the internet, including an article about a young man who managed to deposit £150k the same way. That's simply outrageous! 2. If it is not legal, how could I dispute this? 3. If it is legal, what can I do to sort it out with PayPal themselves without involving any DCA? From what I have read on this forum, the consensus is that I should simply ignore both PP, which are based in Luxembourg, as well as any pesky DCA, given that they are not bailiffs and cannot do anything. At the same time, I am slightly confused. If it is legal, PayPal should surely be able to find a way to take me to court. Furthermore, why would people here be advised not to pay money which they legally owe? Thank you!