Were they actually court appointed baliffs or just some debt collection agency? If it was the latter then the following 2 letters should put them in their place. Remember a debt only exists if the DCA can supply a signed copy of a credit agreement between you and paypal. As no such agreement exists no debt exists. So they can rant all they like but the can do nothing. The second letter should put an immediate stop to the phone calls. Obvioulsy you will need to amend the letters slightly to reflect your personal circumstances. Oh, and DCAs are renowned for saying they are coming round to collect your possessions. It is a bluff. Only court appointed baliffs can do that. Typically they leave a card saying a "Mr Brown" called and will be back to attempt removal of your goods. He's a made up person basically. They are just trying to scare/harass you into paying.
RE: Alleged outstanding Paypal account
Reference: **************
To Whom It May Concern:
I am writing in response to your letters (both copies included) in which you claim I owe the sum of £xx.xx with regards to a Paypal account in my name.
Please take this as a formal warning that I do not take too kindly to un-solicited letters or phone calls from companies requesting money. A formal letter will be sent to you requesting that the phone calls cease. Your letter offers no evidence (nor does it offer to provide any) of any alleged debt/outstanding account. I require you furnish me with a signed agreement between Paypal and myself that outlines the account you mention.
If you cannot/will not supply this information, I will have to make a Data Protection Act 1998 Subject Access Request in order to find out how you obtained my details, and where this alleged “debt” came from. The Subject Access Request is a legal procedure which you, by law, have to follow. I fully intend to carry out this procedure if I find the documentation you supply (at my informal request) fails to address my concerns.
At this time - as there is no documentation to support this claim - I am unable to assist with this matter. Please ensure that any future correspondence includes all the relevant documentation – Failure to provide this will result in me having to take legal action as I consider your efforts at money extortion to be tantamount to harassment. Please also be advised that calls to my telephone number (on record) may be recorded.
Due to your lack of signed documentation between myself and the original creditor, you may formally consider this “debt” in dispute – and as such, you are not permitted to attempt collection of this money without first referring back to the original creditor. If I do not hear from you within 7 days, I shall consider this matter closed and no further correspondence will be entered into.
Yours faithfully
****** *******
RE: Alleged outstanding Paypal account
Reference: **************
To Whom It May Concern:
This letter is a formal instruction to cease any phone calls to the telephone number you hold on record. All communication from your company and any affiliate of your company are to be in writing.
When I first spoke to one of your employees my instruction stated quite clearly, that I require all communications in writing. Do not telephone me again and remove any telephone numbers you hold for me from your systems.
If your telephone calls continue, you are in breach of the Office of Fair Trading guidelines. If you continue to telephone me after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office. For your information note that all telephone calls are recorded.
This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. Should the telephone calls not cease immediately a formal complaint, containing copies of all correspondence including yours, will be submitted to the relevant authorities.
Take further note that continued telephone calls after the receipt of a request not to call, may constitute a criminal offence under Section 127 of the Communications Act 2003.
I trust that I have made myself understood on this matter.
Yours faithfully