Paypal Debt - What to expect?

[Tally18]

I recently got ripped off on Ebay. I was selling a lot of old gold that I'd inherited from my grandmother about 10 years ago. I sold the gold (About £2500 worth) on Ebay. The buyer paid by Paypal and came to the house to collect the gold.

 

I then withdrew the cash from my Paypal account to my bank account and paid for a holiday with it. The buyer then opened an "item not received" case about 3 weeks later. I was unable to provide tracking as the items had been collected.

 

Paypal immediately limited my Paypal account and asked me to provide receipts to show the items belonged to me and to provide a tracking number. I could provide neither, Paypal reimbursed the buyer which left my Paypal account in the negative for the full amount. They told me they will be passing the debt on to a collections agency.

 

I've spoke with my bank and cancelled the Paypal access to my account and I've cancelled my bank card and ordered a new one.

 

I spoke with the police who didn't really offer much help other than to say speak to Paypal about it as I had no proof the jewellery had been collected. The guy I sold the gold to won't take my calls.

 

I'm just worried that this debt collections agency will try and gain access to my home or take my car. Can they do this?

[cerberusalert]

I'm just worried that this debt collections agency will try and gain access to my home or take my car. Can they do this?

No, no & no.

 

They would need a court order to do any of those things & they won't get one. Although they may pass this supposed debt on to a DCA they will not try and enforce payment through a court.

[silverfox1961]

I agree. Paypal will pass the debt over to (usually) IQOR for them to chase. Ignore their ramblings

[BRIGADIER2JCS]

A formal complaint to PayPal with copies of

all the proof of collection of the gold and the

subsequent claim bt the buyer could resolve

this.

I think though you need to check your credit

reference files in case they have made an entry.

[brokebutnotbeatn]

Yes. A FORMAL complaint to PayPal. This buyer will have done this sort of thing before and / or will most likely do it again. Its a known con so it will never go near a court.

[Tally18]

Thanks for the reassurance, I have a letter in the planning stages but no proof of collection really, if anything I gave HIM a receipt.

 

I was told by a friend that bailiffs can remove cars. Are DCA's and Bailiffs two different things? Will I get a CCJ through this? :s

 

Sorry for all the questions, just never been in debt before :s

[cerberusalert]

A DCA is not a bailiff and can do diddly squat, they can't remove litter let alone a car.

Will I get a CCJ through this?

NO!.

[Tally18]

More developments...

 

Ebay have suspended my account and apparently written to all of my previous buyers (all of whom have received their items and left positive feedback) sending them mails stating they're from Paypals Fraud Investigation team and that if they have done business with me they're to request a refund if they haven't received their items.

 

I'm furious and terrified! Why are they sending mails from a fraud team? Do they suspect me of fraud?! I'm half expecting the police to turn up and arrest me on Paypals behalf :s So not only do they close my accounts and put my account into the negative but they're now accusing me of fraud and blackening my name with anyone I happen to have sold something to in the past!

 

Anyone have any experience of this fraud thingy, is it something I should be worried about?

[sillygirl1]

Go to the police and report the person for theft, for that is what it is. You have not done anything wrong, the person who took the gold has.

[brokebutnotbeatn]

And then look at the libel laws...

[assisted blonde]

Not sure why you would want to look at libel laws, as far as |I can see there has been no defamation and anyway the Op would have to fund the case themselves and that would seriously cost a lot of money with no guarantee of winning.