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Paypal help...please!

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Hi. I made a transaction with paypal last week for £12. My oh's bank was linked up to it but it said I couldn't use it as the details had expired, so I added his solo card to the account(from a diff b… Read More
louiseb84 Avatar
7y, 9m agoPosted 7 years, 9 months ago
Hi. I made a transaction with paypal last week for £12. My oh's bank was linked up to it but it said I couldn't use it as the details had expired, so I added his solo card to the account(from a diff bank) When I made the payment it said it would use the bank account but if no funds were available would use the card as back up source.

So, I left the money in Natwest thinking it would come out of there as obviously there was no money in Lloyds (which couldn't be used according to PP anyway) Had it not have said payment couldnt be made from there then I would've transferred the money from Natwest.

OH received a letter from Lloyds today saying that he's gone £12 overdrawn and they've charged him £15 for it plus £6 per day since!

Where do we stand with this, as surely Lloyds shouldn't have allowed it to come out and therefore PP would've used the back up source (natwest/solo card)

Can anybody help, please?
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louiseb84 Avatar
7y, 9m agoPosted 7 years, 9 months ago
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#1
tinkerbell28
So paypal said you could not use the bank account, then they did and let you use it as the primary funding source and the new added card as back up? It's very mixed here one minute they say it can't be used but then it can, but reading the op it seems it could be used and you were aware of this :thinking:
Because aside from the confusion at the beginning, you authorised pp to take the money out of the bank account it appears here............

In which case you should not of presumed it would bounce, that's for lloyds to decide.


Hi thanks for reply.

When I first went to do the transaction it said no payments could be taken from the account as the details had expired and to add another source of payment. So I added the solo card. When it came to paying it said as it usually does primary source xxxxxxx back up source xxxx if no funds are available or something to that effect?

I just thought as they had said no payment could be taking from Lloyds then they wouldn't And also as there is no overdraft with Lloyds and it basically hasn't been used in over a year that it wouldn't be.

I've since transferred the £12 to Lloyds so the balance is zero but what happens with the £15 + £6 A DAY charges?
#2
louiseb84


I've since transferred the £12 to Lloyds so the balance is zero but what happens with the £15 + £6 A DAY charges?


Your Oh is going to have to pay all the charges due or else have a chat with his bank and see if he can negotiate a waiver of all/any of the fees,they may be sympathetic if he hasn't made a habbit of going overdrawn
#3
tinkerbell28
It's because pp expire dd's after 12 months as MOST banks will refuse them after this time if inactive, not always, but most.
Are you sure you read it correctly though as PP won't let you fund by bank payment unless you have a card registered anyway, juts in case the dd bounces or has expired, this could of been the reason they were refusing it.
The crucial thing here is you did agree to the money going out as they did say before you completed the transaction they would attempt to take the money from the bank first, so you were told and authorised it. As for the charges you will have to see if LTSB are in a good mood :-(


That does make sense, and thank you again for your help. I guess its just got to be a lesson learned. My Oh is none too pleased with me :(

Do the £6 a day charges start from then (30 July) till today when I put the balance back to zero?

He hasn't been overdrawn in the last 5 years...so calling them maybe worth a try....
1 Like #4
louiseb84
That does make sense, and thank you again for your help. I guess its just got to be a lesson learned. My Oh is none too pleased with me :(

Do the £6 a day charges start from then (30 July) till today when I put the balance back to zero?

He hasn't been overdrawn in the last 5 years...so calling them maybe worth a try....


Daily charge would start from 1st day you were overdrawn until it was corrected,

Costly lesson for the sake of £12 though :-(

Definately worth giving them a call,you've nothing to loose
#5
grabbit
Daily charge would start from 1st day you were overdrawn until it was corrected,

Costly lesson for the sake of £12 though :-(

Definately worth giving them a call,you've nothing to loose


Very costly. The initial £15 charge I could cope with but why £6 a day that's mad! Would explaining the situation to the bank help, could sound too complicated though. Not really sure what he could say but yeh defo have nothing to lose. Thanks!
#6
Lloyds have a policy of 'discretion' when it comes to unauthorised overdrafts... in other words if it'll make them some money to offset the people claiming back bank charges they'll do it.

As someone above said, if he doesn't make a habit of going overdrawn then give them a call, they'll usually waive it first time.
#7
tinkerbell28
In which case you should not of presumed it would bounce, that's for lloyds to decide.


Well that's the bottom line. Not sure how other banks operate but for as long as i've had an account with Nat West they have had a £50 unauthorised OD limit for 'emergency' use. Up to £50 they just used to pass it. It's probably more now, not sure as i've had a 3k authorised OD for years. Lloyds probably operate in the same way, hence the payment going straight through.
#8
Just explain that it was a genuine mistake and you corrected it as soon as you became aware of it,

Hopefully they will at least waive part of it since it was only a small amount overdrawn,

If not and they make you pay in full you can keep your fingers crossed OFT decide against the banks and you can get your revenge reclaiming it back :-D
#9
Or just tell the bank it was an unauthorised DD :whistling:
#10
Shengis
Or just tell the bank it was an unauthorised DD :whistling:


If only....

Will just have to appeal to their better nature:roll: If I'd have realised sooner I would've transferred it straight over as the money has been sat in natwest all along!
1 Like #11
louiseb84
If only....

Will just have to appeal to their better nature:roll: If I'd have realised sooner I would've transferred it straight over as the money has been sat in natwest all along!


Well it's what i'd do, but then i'm dodgy as **** anyway :lol:

You claim wrong payment, the bank grabs it back from PP and cancels your charges. You then get a threatening letter from PP saying you owe them money. You transfer said money to your PP account. Sorted ;-)

Can't see any obvious flaws in there. Anyone?
#12
Shengis
Well it's what i'd do, but then i'm dodgy as **** anyway :lol:

You claim wrong payment, the bank grabs it back from PP and cancels your charges. You then get a threatening letter from PP saying you owe them money. You transfer said money to your PP account. Sorted ;-)

Can't see any obvious flaws in there. Anyone?

Rep for that :thumbsup:
Although as I've already transferred to £12 into Lloyds theres prob not much chance of them believing it was an unauthorised transaction!

Do they acutally charge you £6 per day, has anyone been charged that? Or is it just scare tactics? have never had bank charges myself so have no idea how it works. And do they just take it out of your account therefore making you overdrawn again-incurring more charges?
#13
louiseb84
Rep for that :thumbsup:
Although as I've already transferred to £12 into Lloyds theres prob not much chance of them believing it was an unauthorised transaction!

Do they acutally charge you £6 per day, has anyone been charged that? Or is it just scare tactics? have never had bank charges myself so have no idea how it works. And do they just take it out of your account therefore making you overdrawn again-incurring more charges?


they will charge you.....I was meant to get them last year because a housemate miscalculated how much we were meant to transfer in.....I would contact Lloyds and say the payment wasnt meant to come out of that account......meaning they should get it back from paypal and cancel the fees....then contact paypal and ask them what they were playing at...say you have now got to pay bank fees as a result of their mistake and ask them how they suggest THEY resolve the situation....the bank charges will just climb with how many days you put off sorting it....I have an 020 number for paypal somewhere if you want it?


Just read all the thread now....regarding the charges, I THINK(!) that with Lloyds the overdraft charges are something along the lines of::: the £15 charge is for going into the negative to begin with, I believe this is one charge per month....the £6 per day can change (increase) as in it could e £6 for the 1st week, then £20 er day for the following week (Do you understand?) amounts are guesses but I think thats what it was like last year. Also the charges are charged to your (OH's) account at the end of the month (so you wont have any record that you can see of the charges as of yet...but they will). Could be wrong but this is what they explained to me before.
#14
lil_tiger
they will charge you.....I was meant to get them last year because a housemate miscalculated how much we were meant to transfer in.....I would contact Lloyds and say the payment wasnt meant to come out of that account......meaning they should get it back from paypal and cancel the fees....then contact paypal and ask them what they were playing at...say you have now got to pay bank fees as a result of their mistake and ask them how they suggest THEY resolve the situation....the bank charges will just climb with how many days you put off sorting it....I have an 020 number for paypal somewhere if you want it?


That would be great. I guess anything is worth a try. Although I doubt they will do much as others have said i 'authorised' the money to leave the account if not from there then from back up source. I guess its just my being naive thinking Lloyds would refuse it with there being no money in there, therefore PP taking it from my Backup source.
1 Like #15
louiseb84
That would be great. I guess anything is worth a try. Although I doubt they will do much as others have said i 'authorised' the money to leave the account if not from there then from back up source. I guess its just my being naive thinking Lloyds would refuse it with there being no money in there, therefore PP taking it from my Backup source.


Oh...I thought you meant you believed paypal couldnt take it out of the 1st account, not wouldnt....yeah its worth trying to argue it anyways...the number I have is 02086053000 (press 1 to go through to PP)

Have edited the above post by the way...
#16
lil_tiger


Just read all the thread now....regarding the charges, I THINK(!) that with Lloyds the overdraft charges are something along the lines of::: the £15 charge is for going into the negative to begin with, I believe this is one charge per month....the £6 per day can change (increase) as in it could e £6 for the 1st week, then £20 er day for the following week (Do you understand?) amounts are guesses but I think thats what it was like last year. Also the charges are charged to your (OH's) account at the end of the month (so you wont have any record that you can see of the charges as of yet...but they will). Could be wrong but this is what they explained to me before.

So will that include the 30 july the day the money came out then everyday weekends included up to and including today when i put the money in there....making it £45!!! WOW

Well they said it couldn't as the details had expired but from reading the replies it seems it may have been the card attached that had expired, so by me adding another card then allowed the bank account to be active again? Something someone mentioned to do with not allowing BT without a current back up source? I don't know, its driving me mad...& I'll get grief when he comes home tonight too :(
#17
louiseb84
So will that include the 30 july the day the money came out then everyday weekends included up to and including today when i put the money in there....making it £45!!! WOW

Well they said it couldn't as the details had expired but from reading the replies it seems it may have been the card attached that had expired, so by me adding another card then allowed the bank account to be active again? Something someone mentioned to do with not allowing BT without a current back up source? I don't know, its driving me mad...& I'll get grief when he comes home tonight too :(


OK...I think I understood it the same way you did then....I would call Paypay and explain (if this is right) that you tried paying for something and as it said the payment details had expired tou thought it meant the money wouldt come out of the account....you then gave info on a different card (with funds in the account) to use, so you presumed the money would come out of that one.
Make out they took the funds from the wrong account.....which is kinda half true :whistling:
and do not accept liability at all...say you were led to believe (by been asked for new details) that the money would come out of the 'new' account.

as for the charges im not sure but if the account was negative over the change of the calendar month then you may hae got 2 of the £15 charges.....not sure if its from date to date in the months or by the calendar.....:?
#18
louiseb84


Do they acutally charge you £6 per day, has anyone been charged that? Or is it just scare tactics? have never had bank charges myself so have no idea how it works. And do they just take it out of your account therefore making you overdrawn again-incurring more charges?


Its not scare tactics,if they've said that in the letter thats what they will be doing,not 100% sure but I think the £6's are debited each day ,the unauthorised overdraft fee is taken out on the date given in the letter
#19
tinkerbell28
No she was not she was told quite clearly the money would be taken from the bank account, then from the card if that was declined.

It's down to ther bank whether they decline the payment, op just presumed they would, not pp's fault at all.


I thought that by this statement she was maybe getting confused, and referring to the 'bank account' as the paypal account, as it is standard for Paypal to clear the amount in the PP account, then take any excess from the card.
Regardless, If I had been told by paypal that the details of one account had expired, and was asked to give other info for another account then I would believe the money would come out of the new account, otherwise there is no requirement for them to request other details......:?
#20
I'd think too it wouldn't be worth claiming the payment was authorised and trying to get the bank to reclaim it from paypal,you could end up in all sorts of bother because although you didn't intend to,you actually did authorise it
#21
grabbit
Its not scare tactics,if they've said that in the letter thats what they will be doing,not 100% sure but I think the £6's are debited each day ,the unauthorised overdraft fee is taken out on the date given in the letter


Nothing extra has been taken out of the account since 30 July apart from the initial £12, so that must also be done with the £15.
I'm hoping we're not charged £15 twice now with it being in 2 different months!

I won't claim it was unauthorised, as the PP could take the money back from the seller etc & cause more problems. OH has just told me he did go overdrawn in that account but it was much more than 5 years ago & paid charges.
#22
tinkerbell28
No probably what has happened is she did not have a valid debit card as a backup, so pp refused the bank transfer request, standard, she then added another card which opened up this feature again, all standard.
When she went to pp payal said they would be requesting money from the BANK ACCOUNT first using the CARD as a back up.
So regardless of what she thought or not, she authorised the dd, therefore not pp's fault.
I think op knew this, but just presumed lloyds would bounce the dd and it would go to the back up source, but they didn't again, it's was the op's fault sadly for presuming.


I wont presume again thats for sure! I don't really deal with things like that which is why I presumed that. I also presumed that the payment would automatically fail from Lloyds with what PP had said about the details expiring...if you see what I mean?I didnt realise til you had pointed it out that they don't allow instant BT without a valid backup, that being the reason I couldnt initially do it without adding another card...
#23
Just was thinking.... what would happen if the seller agreed to refund the payment after getting paid by another method,then the payment went back to the bank and you explained then that it was all a mistake etc ??
#24
louiseb84
Nothing extra has been taken out of the account since 30 July apart from the initial £12, so that must also be done with the £15.
I'm hoping we're not charged £15 twice now with it being in 2 different months!

I won't claim it was unauthorised, as the PP could take the money back from the seller etc & cause more problems. OH has just told me he did go overdrawn in that account but it was much more than 5 years ago & paid charges.


I hate to break this to you but.... it's £15 a month for an unauthorised overdraft and if you go over two months (i.e from the 30th to the 2nd of the next month) then that's £15 x 2 plus £6 a day. The cash won't be debited immediately as your bank have to give you notice which will usually appear on your next statement. So worst case scenario you're looking at around £40+

I'd give them a call if I were you...

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