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Originally Posted by pod  Without knowing the circumstances, I will say stealth is not meant to screw them out of fees. As more and more people do that, we have to start sending in DNA samples just to get accounts.
Again, I dont know why you owe money so I wont judge. But people that screw them over just because they can is why its so hard to stay alive.... |
I totally agree 110% with this statement, you will only get ebays back up & get them to spend their resources on way of tightening the system even more for everyone else, that would not be good for anyone at all.
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but anyway, i have just phoned the debt collectors, about one of the stealth accounts. they have just said that if i dont pay the debt it they will take legal procedings!
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If your accounts are totally stealth, there really was no need to engage ebay/paypal on this further ???
,not sure what you hoped to achieve by phoning the debt collectors given that you have NO intention to pay this debt ???
They will only escalate your case, you are tempting fate here. They CAN do a number of things, wiki debt collection agencies & then be aware of the various FRAUD laws & their deviations. Bear in mind that in the UK, your agreement with Paypal will come under the CONSUMER CREDIT ACT irrespective of your
perception of Paypal/ebay doing their due diligence on you, governed by the FSA.
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i told her ebay has not done any credit checks to see who i am, so how on earth do they know if i am real or not?
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All you are doing here is inviting ebay/paypal to investigate your accounts/recheck your ID details further & possibly bring to their attention of a flaw in their system & possibly open yourself up to a criminal investigation if they passed this onto the local police under the pretext of some sort of 'fraud' suspicion to fall on your account .....is that what you really want ???
You are pointing them in the right direction as to where their investigation into you should start.
If you are unhappy with a transaction with ebay/paypal, raise that & say due to that you will not clear your debts unless they resolve your issue, steering them away from the fact that it is stealth account...what you are doing at the moment is drawing attention to that fact.
UK DEBT COLLECTION AGENCY
The UK debt collection agencies have limited powers but they can cause you a lot of issues over a long period of time....they will basically hassle you with phone calls & letters to last known contact details for upto the next 6 odd years & beyond. They will threaten all sorts of civil actions & outline their options to you though they will give you many many many chances to clear this debt up before it gets escalated.
In your case since you are making contact with them & refusing to pay, you risk them following you up more robustly (i.e turning up at your door at 07:00 in the morning when you are getting ready to be on your way to work etc etc...) & taking this a step closer to them simply issuing a claim to the small claims court as they know it would be waste of time writing to you asking you to pay;they will have recorded that telephone conversation you made to them & can submit this as evidence of your refusal to pay in their small claims court when the magistrate seeks proof of the steps they took to try to resolve this with you first, you might not think it but this is a realistic possibility.
Mind you, an escalation to a small claims court can give them a number of options if they are successful in getting a CCJ/default notice: to get an attachments of earnings order to your earnings, add charge order to your assets (i.e your house), get a court ordered warrant to enter your property to seize goods to the value of the debt (hard to obtain by the smalls claims court but it EXISTS) etc etc. If they do obtain a CCJ against you or a default, it will remain on your credit file for 6 years (UK) & after a 6 year period if the debt remains unpaid, it will still SHOW UP on your credit file but that they cannot
legally take any further action to recover it.
Having said all this about the UK debt collections agencies, some have a reputation for being very rude & aggressive on the telephone, treat you poorly, be very obnoxious & may exaggerate their authority or their powers (which are very limited) etc etc.
If you have proper stealth on this account, have NO intention to clear this debt & can close that bank account down, & do NOT engage further directly with the collections agency again, I cannot see how or why this should go beyond endless phone calls/endless letters which should peter out eventually after a while....you will be 'OK' in that respect as they don't know who you are;the debt collection agency are chasing a Mr Y when you are infact a Mr X on the paperwork.
Paypal/eBay knowing your bank account details alone does NOT mean much unless you yourself imply that you've used deception to open the ebay/paypal accounts, then that is something else entirely.
I had a tenant who racked up a 10 000 pound debt (UK pound sterling) & 5 years down the line the debt collection agencies letters have only now come once or twice a year at this old address (that means they don't know where this person is/unable to be traced) as this former tenant has moved from this address & made no contact with the debt collections agencies...
seanws30....if push came to shove, ebay/paypal debt collectors have the option to try to obtain a CCJ/get a court summons issued (
so yes, credit record can be harmed) & the seller (stealth ID....uncovered by that bank account details) would be liable to criminal action if ebay/paypal discover false details were given to obtain banking services etc etc & they would/could hand this to the police to look at from a fraud perspective to this as it will track back to you the account owner.
FandangoKango....you are TOTALLY incorrect as pointed out by other posters.
ebay debt collectors 
