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Default Paypal sent wescot credit after me what to do?

From what I've understood paypal have sold the debt to wescott but anyway context is had an account for a year, was doing well, had a few disputes due to covid (delays, lost parcels), account shut down, lost cases because items were in transit even though they were delivered after cases were closed, account went to -£1470 but they couldn't charge since card had expired. I realise this isn't a measly amount but also not the biggest they have, however I think they will try to pursue it further, they have tried to call multiple times and sent me a letter that £1487 is due. I've looked online and read on some situations people have been in although it's not 100% reliable and not up to date:

http://dontpaywonga.co.uk/wescot-deb...ay-read-first/

https://forums.moneysavingexpert.com...redit-services

Wondering if anyone has any experience on what I should do, if I really had to pay it would I be able to pay in instalments with no interest? I'm just low on cash since paypal locked up my funds, thanks
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Default Re: Paypal sent wescot credit after me what to do?

bump for any help
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Default Re: Paypal sent wescot credit after me what to do?

If you can pay just add funds to your account and everything will be as before. Otherwise make a new account.
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Default Re: Paypal sent wescot credit after me what to do?

It's best to talk to a lawyer for this kind of thing.
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Default Re: Paypal sent wescot credit after me what to do?

Quote:
Originally Posted by SaiJin View Post
It's best to talk to a lawyer for this kind of thing.
For $1500 🙄
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Default Re: Paypal sent wescot credit after me what to do?

Ethically you can pay them back or unethically don’t, Im assuming this is your real info account? If so, pay it or your credit will get rocked.
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Default Re: Paypal sent wescot credit after me what to do?

IF this were in USA,by the time Paypal sold your debt to an outside firm,the chances of collecting in full is almost null,they hire army of callers sitting in cubicle calling you,your neighbor,your workplace,ex neighbor,roommate etc.
You can try calling them back and tell them you want to pay them back but limited in resources,they will listen.
Good luck
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Default Re: Paypal sent wescot credit after me what to do?

You're fretting because you've put it off until the 11th hour. If you keep doing that, you're going to get slapped with a CCJ on your credit file.

Perhaps you could use checkmyfile to see if they've dented your credit in any way.
Drag Wescot to small claims court for harassing you and ask for compensation.

You can prelude the whole thing with a letter to Wescot announcing what you're going to do - include all the tracking and relevant information as evidence of delivery.

If they disregard your evidence, you can present it as evidence in your claim.

You can ask the small claims court to make them pay all the associated fees, and you can claim for cost to you.


On the other hand, if you don't have tracking numbers... you'd have to pay up or take a dent to your file for 6 years.

Good luck.
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Default Re: Paypal sent wescot credit after me what to do?

Quote:
Originally Posted by Pandoras_box View Post
You're fretting because you've put it off until the 11th hour. If you keep doing that, you're going to get slapped with a CCJ on your credit file.

Perhaps you could use checkmyfile to see if they've dented your credit in any way.
Drag Wescot to small claims court for harassing you and ask for compensation.

You can prelude the whole thing with a letter to Wescot announcing what you're going to do - include all the tracking and relevant information as evidence of delivery.

If they disregard your evidence, you can present it as evidence in your claim.

You can ask the small claims court to make them pay all the associated fees, and you can claim for cost to you.


On the other hand, if you don't have tracking numbers... you'd have to pay up or take a dent to your file for 6 years.

Good luck.
Suggesting OP takes this debt collection company, to whom he owes money, to the small claims court is ridiculous.

You cannot claim compensation for harassment in a small claims court.

Additionally, only certain costs can be claimed for, not all of them as you imply. Even then judges rarely award the full amount of allowable costs.
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Default Re: Paypal sent wescot credit after me what to do?

collection agency could not care less whether you have delivered your goods and tracking number,their job is to collect debt you owed,they bought the debt,and it is their job to collect it
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Default Re: Paypal sent wescot credit after me what to do?

Quote:
Originally Posted by Hank View Post
Suggesting OP takes this debt collection company, to whom he owes money, to the small claims court is ridiculous.
OP owes neither the debt collection agency nor PayPal money until that is proven to be so. Until such time, is it still an allegation.
Ridiculous? What's a better alternative to forking out £1500 or going the fast/multi-track?

This could be a straight-forward case if op shows evidence of timely dispatch backed up with delivery confirmation.

Quote:
Originally Posted by Hank View Post
You cannot claim compensation for harassment in a small claims court.
When I said to drag them to court for harassing him, I did not mean for OP to tender that as his claim. The idea is to take them to court because he's being harassed. When in court, OP will have a chance to prove that he's not indebted to Wescot by showing the court evidence that all items delivered.


Quote:
Originally Posted by Hank View Post
Additionally, only certain costs can be claimed for, not all of them as you imply. Even then judges rarely award the full amount of allowable costs.
This statement is both misleading and presumptuous.

It is a general rule that both parties are expected to bear their costs, but Part 27 of the Civil Procedure Rules that govern civil disputes allow the court discretion to make an award for:
(*) the fixed costs attributable to issuing the claim.
(*) any court fees paid by that other party;
(*) expenses which a party or witness has reasonably incurred in travelling to and from a hearing or in staying away from home for the purposes of attending a hearing;
(*) a sum not exceeding the amount specified in Practice Direction 27 for any loss of earnings or loss of leave by a party or witness due to attending a hearing or to staying away from home for the purposes of attending a hearing;
(*) a sum not exceeding the amount specified in Practice Direction 27 for an expertís fees;


In the context of the matter at hand, ALL cost can be claimed to the last penny.
This is even more so if OP availed insurmountable evidence (e.g. evidence of dispatch and delivery) to Wescot which they disregarded. Op only need to ask the judge to apply the unreasonableness test - which Wescot will fail.
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Default Re: Paypal sent wescot credit after me what to do?

all items delivered could be used against PAypal,but not a debt collector,it could not care less if you killed y our mother ! for the money.
cost and hassles and time to go to court for such an amount,you have to be a moron to do so
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Default Re: Paypal sent wescot credit after me what to do?

Okay I can help here.. I was an analyst at a collections law firm.

You can settle the amount with them. Chances are they bought that debt from PayPal for 90 cents on the dollar. Who knows maybe it traded hands again at a lower price. My role was to determine which debtors were more likely to pay. We can do bank levies and wage garnishments but it costs money to perform those searches. So if you fall into that "Never going to pay" category they'll get a judgment against you and then try to see what they can do.


DO NOT pay the full amount. Negotiate with them. If I were you I would call back and say I'll pay a grand today and chances are they'll accept and poof debt gone.
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Default Re: Paypal sent wescot credit after me what to do?

If he does go down the small claim route expect to turn up to court in 2 years time. The backlog due to corona is ridiculous.
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Default Re: Paypal sent wescot credit after me what to do?

I have dealt with Wescott before in the UK and for that amount of debt they will not go for a CCJ, they only do that when you admit to the debt and start paying and then stop. Otherwise your credit score is not effected without a CCJ.

You can defend your case in the small claims court, with a good Defence that due to COVID-19 you had your account closed by eBay and that you had no financial controls on their decisions.

I know from experience that if they file against you in the small claims court and you deny its your debt, the case will be allocated to your local magistrates court and nobody will show up from Westcott

If you think about it, they have to show every case that was refunded and reasons etc, too expensive to pursue.

I would sit tight ignore phone calls and letters and let the 6 years play out
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