Hi I spoke to my citizens advice bureau this morning. They said Paypal are pretty useless for stuff like this because they accept no responsibility and are impossible to get in contact with. Because they are based in Luxembourg they don’t need to abide by the same governance as the UK. They said I have a number of options but that it’s difficult to decide what to do as debt remains in my Paypal account. I could wait until Wescot offer a settlement figure but with the money sitting in Paypal as well I could pay this figure to Wescot and then Paypal could sell the remainder to another DCA. I could ignore both completely & see where it goes (this could affect credit rating). Or I can pay it off through Paypal and clear it completely. Ideally I’d pay a settlement figure to Wescot but if that’s not going to clear the full amount from my Paypal total I’m probably better off just paying Paypal. I’m still waiting to hear back from action fraud, they are taking so so long. I think because I gave consent I’m liable for the debt rather than my account being hacked etc Are you getting anywhere?
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