I have now removed everything from the PayPal and changed pretty much everything on it. The only annoying thing is, there’s nothing my bank can assist with as I purchased the iPad from amazon in January and PayPal took the money from my balance not my card. Very stressful, appalling behaviour from eBay.

Exactly this, I had £700 in my PayPal balance, who eBay charged as a billing source and now they have the money and I have £0. PayPal are saying it's part of an ebay refund so they can't dispute it or assist with it

They removed it in the end, sorry - should've updated. Just a quick email to complaints and they had it sorted within 72 hours.

Out of pocket, they charged my paypal balance for reimbursement PayPal are saying they cannot dispute it as it's linked to an ebay refund

I am writing here as I am out of options, I’m now talking to a brick wall and having live chats ended on me, I can’t even call at the moment. I have spoken to eBay countless times and believe what they’re doing to me is morally and legally wrong, I am currently furloughed from work and decided to sell a few household items as I’m planning on moving out next year I still need to keep my savings and survive in the current circumstances we unfortunately find ourselves in. I’m also an apprentice, it’s not like money is disposable to me, and this is a huge loss. I decided to make an eBay account with my brother to sell household items, I bought an iPad Pro in January with the intention of using it for work and never got round to using it as work issued me with one. However, I decided to list it on eBay, and found my eBay account to be suspended. I contacted eBay who unsuspended it after verifying my items and the whereabouts of them. I was a bit weary but continued to sell items and ship them with tracking and got no negative feedback, it was mainly smaller items other than this iPad Pro. After this, the iPad Pro sold for £690 and my account was again suspended indefinitely due to a high risk of me selling with them (according to Google, this is because you have to ease your way into selling or they find it suspicious). I contacted eBay and asked if it was fine to still send the item and was told it’s completely fine as the item and myself are covered, as is the buyer. Once the item arrived, the buyer decided he would try and open a return case on grounds I didn’t tell him the iPad was bought from Amazon Germany not Amazon UK. eBay offered me the chance to reject the claim, to which I did stating Apple’s warranty is covered worldwide and all settings are decided on setup it’s not like he’s getting an iPad in another language or carrier locks as it was a wifi only model. He stated the iPad was still sealed and he wouldn’t use it as he wanted a refund. He then emailed me stating he wanted a £70 refund, to which I rejected as the iPad would sell for £690 still said I’d happily accept a refund if it was still sealed, to which he stated he had now opened it. My response was if there was an issue as big as he was making out, why did he continue to unseal and use the iPad? He opened a new case and immediately asked eBay to get involved to issue a partial refund. I then reached out to eBay on live chat stating the reasons I rejected the initial refund and why I don’t think it’s fair to accept a return, especially seeing as how the item is now opened after stating it wasn’t, despite having an issue with the iPad. The person on live chat simply stated my account is suspended and closed the chat on me. I thought my point has been made at least and left it at that, a few hours later it was decided he would get a refund and was told to keep the item. Immediately I reached out to eBay who told me as I’m suspended they cannot assist me in any way whatsoever, and if I had a problem with the outcome I need to ask nicely for the buyer to send the item back. I thought and explained it’ll never work, he’s been told to keep the item and got a refund, why would he willingly return it? Long story short, eBay told me to ask PayPal to return the money if I had a problem. PayPal stated that they cannot assist me as it was an eBay dispute and they have no say over the matter. eBay have stated they cannot assist me, despite them telling me to send the item despite being suspended. I have reached out to Apple who stated that the iPad is wifi only so cannot even be blacklisted or marked as stolen, making this an impossible case without the help of yourselves. I can’t even explain how stressed this has made me, I know it sounds a sob story but I genuinely only sold the iPad to pay for my dogs operation, now I’m back to square one, if not back two steps. I am now in debt to my bank as eBay have debited me the funds of £690 and told me there’s zero they can do to assist me as the eBay account is now suspended indefinitely. And also alongside this, they have still charged me money to sell the item despite refunding the buyer, so in fact I’ve paid eBay £70 to give away my item for free. Surely eBay are not the law and what they say does not go. I have raised a county court claim against the buyer to return the item or pay for it. I have seen people on Amazon have success with this and will not just let it go because eBay told me it’s their decision. It’s a big loss, it’s not just £20 that I can write off. I have emailed the Telegraph and The Observer, and will contact Citizens Advice tomorrow. Is there any info anyone can pass along that may help, or emails I can try to reach out to for advice/help?

I had a default with Barclays Partner Finance, they sold it to Hoist Finance (Robinson Way). They have now removed it as it irresponsible lending and in the letter said Robinson Way can now remove it, I sent this letter to Hoist in early December, along with proof BPF have removed the default from my credit file (Hoist can also check this by pulling my latest report). I have sent countless letters, they have ignored every single one, submit a complaint to both Hoist Portfolio and Robinson Way on 23rd December and they've not even said anything or acknowledged my complaints. What can I do from here? This is becoming silly now, they're not even responding, I've called and they just say they'll investigate and call me back and never do.

In fairness, most defaults had agreements back in 2015 to remove them once paid off, just didn't honour that agreement once I had paid them, so I'm finally chasing them up.

I'm 2 down so far, this o2 one will be the third if it's removed. I'm hoping to get another 2/3 off, as they're small amounts but we'll see - can only try!

I normally don't either, I'm not too sure about these ones but I have a friend who has mentioned this company before so let me ask him and I'll update my post. Just posting so I don't forget.

Write an email to them, sometimes they refund the postage cost if you're nice enough.

Will keep you updated! Let's hope I can get a few more defaults removed, touch wood!

I will certainly start recording the calls from now on, I've emailed a few people at Barclays Partner Finance, hopefully someone will pick it up in the next week or so and give me a call/email.

Perfect, I will write to BPF and say mention the circumstances, say that I've been refunded over half of the debt because they felt they were an irresponsible lender and didn't do as much as they could to assist me falling behind and in default, and just say as a further gesture of good will can they remove their default as it's served 5 years now. If they agree, shouldn't the Hoist one be fairly easy to remove, just ask BPF to agree for Hoist to remove the default? Similar to what I'm doing with my o2 & Lowell debts.

Morning all, I have a quick query before I raise this default to be removed, I am currently contemplating asking for a default with Barclays Partner Finance to be removed. The debt was for an Apple product and the amount was £884, they then sold it to Hoist Portfolio and I paid the debt off in full with no offers from me despite it being sold to Hoist as I acknowledged I've matured and should've just handled it better but circumstances meant I lost a parent and didn't really feel like doing much in life, that was a very dark place which I'm out of completely. Over the past 6 months, Barclays Partner Finance have written to me to say they didn't help me as they should've and wasn't a responsible lender and have refunded me £500 randomly (I didn't ask, nor did I ever report anything). Back in 2015 when it defaulted, I did ask them to allow me time to pay but apparently it's not on my account notes - but then why did they refund over 50% of the debt? I did mention the circumstances over the loss of my mother at 18 and that I had left my job (unforeseen circumstances lead me to a depressed period where I didn't leave the house for nearly 7 months). Can I raise this as a complaint to be removed and say they have admitted they weren't responsible lenders, and didn't assist me all they could, the debt has been paid back in full with no offers etc? As well as being a gesture of goodwill due to the circumstances behind this?

Have now just done this and said they have 14 days to rectify the complaint or I will raise it with ICO. Appreciate your help, if this doesn't work, I will send them a letter via recorded post.