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Negative PayPal balance of €3000

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Anonymous_5789 -  
Clarckos Posted messages 10085 Registration date   Status Contributor Last intervention   -

Hello,

I made several purchases on PayPal using my bank account. The payments went through, but then my bank rejected all of them and PayPal is asking me to refund €3000. I don’t have that amount at all. What are the risks? Can I pay PayPal gradually? Can bailiffs come to my place? I am a student.

Thank you for your help.

3 answers

  1.
    brucine Posted messages 25267 Registration date   Status Member Last intervention   4 187
     

    Hello,

    This is no different from any other creditor.

    The bank will charge incident fees and may withdraw the payment method used if it is a credit card.

    The creditor may retry their collections, send amicable recovery requests, propose a payment schedule which they are not obligated to do, issue a formal notice to pay by registered mail or through a judicial officer's writ constituting the start of late penalties and/or damages.

    Only if these measures have not been successful will the creditor's filing with the court result in an order to pay, whose enforceable title allows the judicial officer to seize assets up to the amount of this debt.

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  2. flo88 Posted messages 28532 Registration date   Status Contributor Last intervention   Ambassador 5 186
     

    Hello

    Did you make purchases for €3000 actually? Because if not, it’s a hacking of your PayPal account… (a classic…)

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    Euskadi Ta Askatasuna

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    1. Anonymous5789
       

      Hello,

      Yes, I did it correctly, a friend made a fraudulent transfer to my bank account and asked me to approve payments on PayPal, and it turns out that the bank rejected all the payments, so PayPal is asking me to reimburse that amount but I don’t have the funds and my friend is no longer responding. I am a student, I don’t know what to do and it scares me.

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      1. flo88 Posted messages 28532 Registration date   Status Contributor Last intervention   5 186 > Anonymous5789
         

        So unfortunately the fault lies with you and is confirmed, so indeed refer to what was written by brucine, and follow clarckos's advice, you will have better luck on the other forum.

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  3. Clarckos Posted messages 10085 Registration date   Status Contributor Last intervention   940
     

    Hello.

    This question has also been asked in the legal and financial forum by you, I believe, and the answers provided there will be more accurate for you, even though Brucine's response already gives you a hint of what might come next.

    This topic would fit better there.

    A piece of advice: be careful of your "friends".

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    1. Anonymous5789
       

      Yes, it was indeed me. Do you know if it is possible to pay in installments with the collection service? For example, over 2 years?
      If I pressure my friend to return the items, can the debt go away, knowing that the bank is about to close the account but that PayPal will likely refund to it?

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      1. Clarckos Posted messages 10085 Registration date   Status Contributor Last intervention   940 > Anonymous5789
         

        As LaBéotienne said on the Law/Finance forum, unfortunately PayPal is not a credit organization and cannot accept this method of refunding.

        See if someone can lend you this amount and pay them back little by little, because in the long run, this could unfortunately backfire on you.

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