Paypal screwed me! UPDATE MARCH.11 2008, A NEW COLLECTION AGENCY IS CALLING!

[quote name='magiic']Is it bad to just tell them to full out fuck off when they start calling? lol[/quote]

Hehe, well maybe not at first. If they want to negotiate a monthly payment (which they very well might) then I would try to do that. Otherwise, your credit score will be hurting. I'm just saying you will want to tell them to screw off though, believe me. I have researched it a lot, and I know that many creditors have to meet monthly quotas. That is often why they are such assholes when they call. Also, they will try to get you to say that you owe the debt over the phone. Don't admit to anything. Tell them to send any offer they have in mind in writing. The last time I spoke to a creditor it was over a $103 dispute and since I refused to pay it he said, "We'll see you in court." and then hung up. That was 2 and a half years ago.... I have bad credit, but they still haven't come after me for the $103.
 
[quote name='io']Wow, how did you build it up so high? ;)

Anyways, unless you are selling big ticket items that you might get scammed on (ala Magiic) I wouldn't worry about it. As I discussed with you before (via PM) the interest I've made off the PayPal money market has more than made up for the occasional chargeback on a small item (I've had one from a buyer in Spain).[/QUOTE]
800 dollars a month savings. I should correct myself though. Before this month it was at 3200. Since I spent 1500 on a car and a bunch on video games as of late, it's down to 700. I plan on getting it back up though. I kind of got depressed I had to take the 1500 out for the car, so I kind of regressed into my old spending habits when the EBs sale hits, if that makes any sense. Kind of pissed at myself, but I do have a working car that's free and clear, and a bunch of classic must haves for PS2, Xbox, and Gamecube.
And Op, I'm so sorry to hear that. Every time things start to improve for you from how it was previously, you get fucked over again. Hope all works out for you eventually and permantly. :/
 
[quote name='dragonreborn23']Hehe, that is code for "You better send us our money now or we'll ...well we'll sell the debt to another collection agency and then whenever they get around to it they will call you and ask you to pay them!" LoL... I had something similar happen to me and you should know that debt collectors will try desperately to intimidate you into cracking. It sounds like you have a pretty solid court case so when they call to harass you, tell them that. Just say, "Hell yeah, let's go to court." 5 to 10 years later they might get around to it.[/QUOTE]


And for that 5 to 10 years its fucking up your credit.
 
A quick word about collection agencies - they're ruthless.

They'll go after you for any amount of money. Shoot, they even took my uncle to court over a little under $75 that he didn't even owe them (they ended up losing anyway).
 
Times like this, I wish there was a few "friends", ya know? Who could "talk" with this son of a bitch. I'm sure he'll listen to reason.

And if you still don't get it, the quotes mean "ass" and "kick".

:)
 
OP, read up on the rules collection agencies MUST abide by.

They can't call before or after a certain time, things like that, and if they do break these rules, it's considered harrassment, and you can get your entire debt thrown out.
 
[quote name='Darkpaul']Times like this, I wish there was a few "friends", ya know? Who could "talk" with this son of a bitch. I'm sure he'll listen to reason.

And if you still don't get it, the quotes mean "ass" and "kick".

:)[/quote] I was tempted to try the craigslist idea... your idea would be cool too. I know no one in Florida though :(

@roufuss thanks for that tip Im going to look those up now so I can be ready :)
 
[quote name='Roufuss']OP, read up on the rules collection agencies MUST abide by.

They can't call before or after a certain time, things like that, and if they do break these rules, it's considered harrassment, and you can get your entire debt thrown out.[/quote]

8am to 9pm.. As far as getting it trown out thats a whole diffrent story you have to prove that a collection agency is truly harrassing you. I have worked at one for about 6 years now as a analyst. If you have any qustions about how to deal with them or what they can and cant do just ask.
 
[quote name='Kfoster1979']8am to 9pm.. As far as getting it trown out thats a whole diffrent story you have to prove that a collection agency is truly harrassing you. I have worked at one for about 6 years now as a analyst. If you have any qustions about how to deal with them or what they can and cant do just ask.[/quote]

Tell me anything and everything you can that may be of use to me, either here or in PM. I would appreciate it immensely :)
 
[quote name='magiic']Tell me anything and everything you can that may be of use to me, either here or in PM. I would appreciate it immensely :)[/quote]
First let me say there are a ton of myths out about what can and can not be said or done by a collection agency. To start most will sue and the reason for that is they buy the debt cheap a few cents on the dollar some one said they owed 75 bucks I bet they bought it for around 1.75. Things you can do if they call you can tell them not to call your Cell or work number and they can never call there again. Don’t let them try to say they are taking you to court unless they can proved information on who will be the attorney or a court date it is illegal to say they are going to sue if they have no intention on sueing you (how ever they can have intent with out telling you we mark some accounts a suit eligible and that is more then enough to satisfy regulations). If you know you owe the money really pay it back fast again they buy it cheap so they will cut you a deal I have seen 20k accounts paid out for 8k and make sure they proved you documentation that it has been paid off so you can have it just incase. Most will do payments but you get a better deal if you’re wiling to pay it off in 1 or 2 payments. This is just a really basic info I can go more in depth if you would like just let me know. Honestly talk to a agent like a car salesman negotiate with them it works.
 
[quote name='rodeojones903']And for that 5 to 10 years its fucking up your credit.[/quote]

That is true, but there is also a statute of limitations on this kind of thing as well. I'm living pretty comfortably with less than perfect credit. I'm able to get credit cards, open bank accounts, rent an apartment, etc. They haven't garnished my wages or anything yet either. Maybe they will, maybe they won't. I'm just saying there are other options aside from bending over.
 
[quote name='dragonreborn23']That is true, but there is also a statute of limitations on this kind of thing as well. I'm living pretty comfortably with less than perfect credit. I'm able to get credit cards, open bank accounts, rent an apartment, etc. They haven't garnished my wages or anything yet either. Maybe they will, maybe they won't. I'm just saying there are other options aside from bending over.[/quote]
.They can try to collect forever there is no limitation on how long they can try to get moeny from you. It will come off your credit after 7 years after its been closed and paid off. Dont get me wrong you can have less than perfict credit and still get good intrest rates and loans and Credit cards.
 
All I can tell you is this. DO NOT F**K UP YOUR CREDIT OVER THIS! When you get a little bit older you will find out that good credit is pretty much the most important thing you can have. KEEP IT GOOD!!!

If you screw up your credit it will take a long time to restore it. If you want to buy a house, car, whatever you will be hurt by having low credit.

If I were you, I would call paypal and work out a monthly payment plan. You do NOT want to screw up your credit over this. As if your credit gets screwed, it will just make a lot of things harder for you down the road.
 
I'm somewhat curious how the case would work in court, since the collection company merely bought the debt from paypal, if you claim that the debt is unjust what can the collection company do, since your defense is against paypal.

I think the fact that you do not have the ps3 would go a long way along with the fact that you had the postage insurance and the buyer never used it.

What I am curious about is if you settle with the collection company paypal should need to give you the ps3, as I presume it also means the buyer has gotten his refund?

Any lawyers/collection company workers understand these things?
 
yep the buyer has the ps3 and his refund my guess is he doesnt even have the ps3 anymore as he intended to sell it in the first place my guess is when he got it back he just sold it on Craigslist or something for some free cash.
 
[quote name='happy']I'm somewhat curious how the case would work in court, since the collection company merely bought the debt from paypal, if you claim that the debt is unjust what can the collection company do, since your defense is against paypal.[/quote]
A lot, a debt buyer gets all Arbitration, litigation, and reporting rights to the account. In the courts eyes the Collection agancy is the 1st party no matter where the debt started.

[quote name='happy'] I think the fact that you do not have the ps3 would go a long way along with the fact that you had the postage insurance and the buyer never used it.[/quote]

This is also true but that is legal qustion, but in my view it seems to be overwhelming evidence in your favor.

[quote name='happy'] What I am curious about is if you settle with the collection company paypal should need to give you the ps3, as I presume it also means the buyer has gotten his refund?[/quote]

If Paypal sells it they wash there hands of it 100%
 
[quote name='Kfoster1979']It will come off your credit after 7 years after its been closed and paid off.[/quote]

That's not true. The entry comes off your credit report 7 years after the date of last activity, whether or not you paid it off. Now, if you don't pay for 6 years and then make a small token payment, you've reset the clock to start counting down 7 years again, because that payment counts as activity. Also, some collection agencies have been known to falsify dates of last activity to keep debts on credit reports past 7 years.

Of course, this applies in the USA, and magiic is Canadian. The laws are likely different there.
 
[quote name='elmyra']That's not true. The entry comes off your credit report 7 years after the date of last activity, whether or not you paid it off. Now, if you don't pay for 6 years and then make a small token payment, you've reset the clock to start counting down 7 years again, because that payment counts as activity. Also, some collection agencies have been known to falsify dates of last activity to keep debts on credit reports past 7 years.

Of course, this applies in the USA, and magiic is Canadian. The laws are likely different there.[/quote]


Your right, What I should have said was it will come off after 7 years with no activity but a collection agency can keep trying to make you pay it and still take it to court even after the 7 years. The debt never goes away unless you pay it.
 
[quote name='Kfoster1979']Your right, What I should have said was it will come off after 7 years with no activity but a collection agency can keep trying to make you pay it and still take it to court even after the 7 years. The debt never goes away unless you pay it.[/quote]
How long they have to take it to court depends on what state you're in. Every state has a statute of limitations for taking debtors to court - here's a handy table of those limits:

http://budhibbs.com/statute_of_limitations.htm

That doesn't stop many collection agencies from taking them to court after expiration anyway, because the penalties for getting caught are very light, and many debtors won't show up to court (resulting in an automatic win for the creditor) or will accept a deal to repay because they don't understand their legal rights.

You're right, of course, that they can continue trying to collect a debt forever outside of the court system.
 
I got a call from collections today. Well actually it was from a gentleman from Quebec who had business to discuss with me regarding case # something something something. I'm positive it's collections as there is no other reason someone from Quebec would be calling and asking for to discuss "important business". Glad no one answered it, we shall continue to ignore calls from them I think for now. See where it goes.
 
All you need to do is avoid answering the phone for the next 7 years and you'll be fine.

As happy and Kfoster said, you should make note that you offered insurance and it was not purchased...hopefully you have a saved file of your ended auction and all activity that's happened so far. It sounds pitifully simple and basic but it's a starting point. If he was indeed from a collection's agency, he'll want something back since he purchased the debt from paypal.

You don't have caller ID? I'd worry if he's akin to a "Legitimate Businessman" from Fat Tony's troop.
 
no I have caller ID it comes up on the caller ID as "Quebec" and shows the phone number. Insurance was purchased he stated he did not wish to pursue insurance nor would he cooperate to file insurance as he simply wanted "all his money back". I still have all the e-mails (god bless gmail).
 
His desire to avoid the legitimate, insurance-based route should be a very important part of your admissable evidence when you speak to the collection's agency. His uncooperative response to pursue the insurance method (which is exactly the reason why it was offered!) should account for something.

Sorry that you've gotten something worse than the short end of the stick - it's like you got nothing. Your PS3 is gone and the collection agency will try to squeeze as much money out of you as possible, so it's like you paid to have it stolen. :headache:

Phoenix Wright - where are you?
 
ya as far as anal reamings go I am taking it pretty fucking deep

Im curious to see what happens if and when they find out I am 17
 
[quote name='magiic']I got a call from collections today. Well actually it was from a gentleman from Quebec who had business to discuss with me regarding case # something something something. I'm positive it's collections as there is no other reason someone from Quebec would be calling and asking for to discuss "important business". Glad no one answered it, we shall continue to ignore calls from them I think for now. See where it goes.[/QUOTE]


i would of picked up and seen who it was,

tell them you dont know english or spanish only hamster and start making sweaking noises LOL

I would pick up the phone, by not answering the phone it might make your look like your up to fraud
 
[quote name='magiic']what exactly should I say if I answer the phone[/quote]

Do what Seinfeld did:
[MEDIA]http://www.youtube.com/watch?v=hllDWSbuDsQ[/MEDIA]
 
Ugh, you always seem to fail slidecage. Quebec speaks FRENCH, not SPANISH.


Magiic, just keep saying "Mi yamo (your name), si."
[quote name='slidecage']tell them you dont know english or spanish only hamster and start making sweaking noises LOL
[/quote]
 
I updated the OP, still curious to see what comes of me being under the age of majority.

Also the collections agency in question is the Canadian Branch of NCO Financial Services
 
Yeah, I have a feeling that as soon as I finish up all my auction stuff with Paypal, I'm taking my money and closing my account with them. Seems too risky just to make eBay more convenient. I'm just happy that the most expensive thing I sold was like 96 bucks so I don't think I can be screwed as hard.
 
Oh, just answer the phone as if you are your father and somberly tell them that Ryan's deceased. \\:D/

:mrgreen: (It would be awesome if there were no obvious consequences of that, though...)
 
[quote name='Caliburn']Oh, just answer the phone as if you are your father and somberly tell them that Ryan's deceased. \\:D/

:mrgreen: (It would be awesome if there were no obvious consequences of that, though...)[/quote]
haha ya

well so far today no calls from them ,albeit I just got up lol. But no one woke me up saying Quebec phoned again. I guess we shall see what happens when they call again. Im still not sure what I should say.

btw I hope the OP makes it easier for everyone to see exactly what has gone done with out sifting through 15 pages lol
 
[quote name='magiic']haha ya

well so far today no calls from them ,albeit I just got up lol. But no one woke me up saying Quebec phoned again. I guess we shall see what happens when they call again. Im still not sure what I should say.

btw I hope the OP makes it easier for everyone to see exactly what has gone done with out sifting through 15 pages lol[/QUOTE]


I would just say

I sent the game But they say they never got it. I told them to go though the insurance route But THEY REFUSED. I belive since they refuse to do the insurance route this is no longer a matter to me. I sent the game and they had the chance to get their money back though the INSURANCE ROUTE but refused to . There has to be a reason why they refused to take the Insurance route , maybe they knew they would comitted mail fraud if they did this cause maybe they knew they already had the game and was trying to scam me

Since they refused to take the matter though the insurance route. i belive this closed our contract since i sent the game and they refused to do their part therefore i dont owe them anything. If they wanted their money back they could of got it though making a claim with the insurance but refused

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Let them know there was a way for them to get their money back but refused to do it and therefore it seemed fishy why if something got lost why they wouldnt Do the insurance route instead of trying to demand money back from the seller
 
The reason he didnt want to take insurance was because he wanted all his money back. And he was one of the idiots who paid over $1000 for a playstation 3 on ebay ( a 20GB one no less) and planned to resell it for profit. By the time it would of got to him prices were down well below at 800. Insurance would of given him whatever the value on the receipt was. I know he was just trying to get his money back because he could no longer of sold it. He had the receipt for it so not only did he have insurance he could of taken the playstation 3 and exchanged it at Walmart as far as I know.
 
Damn, that sucks. That's the reason why I never sell on eBay. My deepest condolences. With that said, these guys are going to harass you until they get their money and as time goes by, it is going to get worse. I would try to find a way, unfortunatly, in paying that debt off and then never sell on eBay again.
 
Damn bro, YOU have all his information. YOU know he scammed you. It was all in YOUR hands.

$1000 + PS3, I don't know about this.

I would've notified the police and got all the info from USPS (get the driver's statement on condition of the item at the time of the delivery) right away. I would've threatened the guy with court. PayPal and Ebay are not the authorities here. Now you got some agency on your ass.

If the guy doesn't live far, a little trip in person wouldn't have hurt either.

Just my 2 cents.
 
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