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Devon Malcolm

The Finance Thread

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I keep seeing a new PPI advert with John Cleese. Now I'm not saying that Cleese is a barometer for something being worthwhile doing (I imagine so long as he gets his paycheck he'll say anything that's put in front of him), but it's got me thinking about whether or not it's worth looking into. I always just put PPI ads down to being a new breed of ambulance chasing solicitors.

What exactly would the process involve, I don't really want something going through my entire credit card purchase history, even though I have good credit

Edited by WyattSheepMask

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I was scammed today on PayPal and am beating myself up about it.

A friend messaged on Facebook saying that they'd sold a laptop on eBay but were struggling to get into their PayPal account. They asked if they could send the money to my PayPal and I send it to their bank account instead. I went with it, especially thinking there's not really anything that can come back on me, and now have a refund request from PayPal.

My friend's Facebook account had been hacked and the bank details for me to send the money to were in his name, but to some other account that's not his. The money seems to have come from a different person's account and been forwarded onto me to then send back to him. I'm beating myself up over this for being so naive and too easy-going. As I was at my laptop already, I did it all pretty quickly and as a favour to him.

I've responded in PayPal's resolution centre with a screenshot of the Facebook message and explaining the situation but am shitting it. It's £180 which I absolutely don't have to reimburse. I'll call PayPal tomorrow but am pretty anxious at the moment. Anyone been in a similar situation or know if it's likely I get out of this ok?

Edited by Sphinx

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In about 2011, someone got the details of my PayPal debit card and scammed about £500 off me. I immediately rang PayPal and they'd refunded me within an hour. You should be alright.

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Cheers, any kind of reassurance helps at the moment as their offices are closed. I'll give them a call tomorrow and post to say how I get on. Wish me luck!

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It's worth mentioning that there seems to be a much higher success rate if you ring them as opposed to trying to sort it online. I've read plenty of accounts of similar happening, and they almost always seem to be resolved quickly if you call them. I know you mentioned you will call them, but I just wanted to make it clearer rather than chance it and try and sort it online.

Edited by Undefeated Steak
.

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Yeah, you really do need to do it as soon as possible, shows it's urgent and plays on their sympathies a bit.

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I forgot to update on this with all that's going on.

I rang PayPal and they said it was out of their hands to give me the money back because I'd withdrawn from PayPal into my bank account and transferred it to the guy. I went to ring my bank instead but checked my account beforehand and the charge had been reversed, so I can pay the PayPal balance and haven't lost any money. Much needed then and even more so now! And a lesson learnt.

Cheers for the responses.

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