A customer has made my life hell I've lost everything!

Source: I had over $100k held on a 180 day rolling reserve and a minimum reserve of $40k. I had more than one lawyer go after them.

This is wholly incorrect. You're not bound by Luxembourg law, but rather the state that you reside in. In most states, PayPal is registered as a money transmitter which, by law, they're only able to hold funds for an average of 3 days.

I went to hell and back before I got the lawyers, to no avail. The lawyers had to threaten their corporate counsel with a number of different offenses both on a corporate level and the counsel themselves. Even with this, the entire ordeal took about 3 months from the time my money was taken.

You're going to need a good, and experienced, lawyer if you have much a hope at all. Best of luck to you.

Thanks mate.

Not enough money in there to warrant a lawyer. It was enough for the basics of living and possibly a small holiday. You cannot ever seem to succeed in life because either one person ruins your chances or a brick wall is placed in front of you. If only Paypal had a proper competitor this goes with EBay as well.
 
First of all stop listening here cause only noobs are posting who have clearly no business understanding.
Second stop calling to paypal.It wont change anything since you will only reach customer support and the risk management which give a fuck about it if its true or not.The system made an alert so thats the ultimate evidence for them to hold your funds.They are the most stupid and retarded people who will tell you every lie just so you fuck off.
First of all you need understand what paypal is and where it has its REAL location.
Paypal is registered in Luxemburg as a financial institution.This means they are acting under the luxemburg financial institution law which also means they can't hold your funds for 180 days without your consens if they don't have a single proof that you violated their tos.
They will tell you on the phone they have to do so because of the bank law's etc and this kind of bullshit just to fuck you off.The truth is paypal never was ,isnt and never will be a bank.They are not acting under the banking law.
So what you need to do are 2 steps.
First call the guy who made the comlaint.Inform him that your paypal account was limited because of his false complaint and that you can't run your business anymore.
Make him aware that he made a complaint with false accuse and that you are now going to court against him for a recompensation of 6000 pounds per month (cause thats the income you are lossing) because he made a false complaint which leaded to a limitation on your paypal account.Give him 5 working days to fix his mistake before your lawyer is going to send him an offical letter for which he will have to pay too if he wont fix his mistake.
After that find a lawyer (just for his stamp)who will send a letter to paypal luxemburg asking to send proof that you violated their tos or to unlimit your account immedently.Give them 14 days thats the normal reaction time under commercial law.
Add in the letter should they not send you proof that you violated their tos or unlimit your account during 14 days after receiving your letter that you will go to commercial court demanding your funds in your paypal account ,recompensation of 6000 pounds for each month where your paypal account is limited for the loss you are taking which you can document and the lawyer and court fee.
Most important add : "Not responding to that letter till 14 days by sending proof that you violated their tos or unlimiting your account, automaticly means that they accept your offer about recompensation and the other fees"

This sentence will make that your letter will be under commercial law an offer/new terms (since paypal broke the old one) should paypal not react during 14 days after receiving your letter.
Should paypal not react during 14 days (poststamp is date of answering)
any commercial court on the world will see your letter as a new binding contract between you and paypal since paypal agreed on your terms by not acting/responding.
Its called implied acting.
Also its important that a lawyer is going to send the letter because
1.It gives it more impact
2.Paypal wont be able to deny that they received such a letter with this content
because your lawyer will confirm that he send the letter with the exect content which means you have the ultimate proof ;)

If you were really selling legit software you will see how quickly they will respond with somebody who is a decision maker and not some monkeys since they dont want to accept your offer/new terms as this would cost them a lot more

Thanks for this.. Another interesting read.
 
This is why people need to dump eBay, sell on classified ad type of websites such as craigslist or OLX and accept wire only. This happens every day in Europe, everyone wires money here, and there are very few problems here. Why? Because each bank account is tied to a real customer, because you can't open an account without visiting a branch. If you F someone over the police knows where and who to go to. I am shocked to see that America is so anti-wire, they make it very inconvenient to wire money, thus creating the shitty need for 3rd party payment processors such as Paypal.
 
Was the software fake in any way?

It doesn't matter Paypal accused me of this without actually seeing or using the product, like what I told the monkeys in Ireland here in the UK we have something called 'Innocent until proven guilty' making serious accusations against someone is an offence.
 
This is why people need to dump eBay, sell on classified ad type of websites such as craigslist or OLX and accept wire only. This happens every day in Europe, everyone wires money here, and there are very few problems here. Why? Because each bank account is tied to a real customer, because you can't open an account without visiting a branch. If you F someone over the police knows where and who to go to. I am shocked to see that America is so anti-wire, they make it very inconvenient to wire money, thus creating the shitty need for 3rd party payment processors such as Paypal.

Craigslist has become very popular in the UK for one part of the website only....Dating/Personal Relationships/Escorts etc Everything else is pretty much adult or drug based scams. We used to have Gumtree it was an excellent popular well managed website, until the monkeys at Paypal/EBay got there grubby little hands over it and ruined the site, now hardly anyone uses it.

Without Paypal it's difficult to accept money online as sadly Paypal is the main money site out there and most people have accounts.
 
Every country should be taking Paypal to court and governments should be regulating them properly in order for them to offer services

You realize that this will make paypal policies even more restrictive, right? As in creating a stealth paypal will become a crime?
 
Paypal do not like seller that sell "branded" softwares. If you are selling software that you develop then no issues. Paypal is updating its user agreement for Asians and Europeans this coming 15th Oct 2016 (if I recall correctly from Paypal email) and it WILL NOT offer seller protection to digital product and services seller.

Next, once you are permanently limited by Paypal, the funds are frozen. And you cannot do anything about it. In USA, there was a class suit against paypal that won and Paypal needs to compensate. However since then Paypal has updated its user agreement to cover this legal loophole.

Apart from that, I would advise against using ebay to sell softwares again unless you are the developer. Even used softwares despite they are legal under European law unless you have a the legal representation from the software Company to sell.

Where would you recommend selling digital software and what method to receive funds/sales etc/

Thanks for the info.
 
You realize that this will make paypal policies even more restrictive, right? As in creating a stealth paypal will become a crime?

Things cannot get any worse with Paypal surly? In regards to Stealth accounts only a selected few have these, firstly very expensive to get, many people get scammed during the purchase of these and lastly it seems far to difficult to get hold off.
 
This is why people need to dump eBay, sell on classified ad type of websites such as craigslist or OLX and accept wire only. This happens every day in Europe, everyone wires money here, and there are very few problems here. Why? Because each bank account is tied to a real customer, because you can't open an account without visiting a branch. If you F someone over the police knows where and who to go to. I am shocked to see that America is so anti-wire, they make it very inconvenient to wire money, thus creating the shitty need for 3rd party payment processors such as Paypal.

How do you explain wanting to sell online for example through EBay and been forced to only accept Paypal?
 
How do you explain wanting to sell online for example through EBay and been forced to only accept Paypal?

DONT SELL ON EBAY! You people want change? Be the change. Ebay isn't the only place to sell, and ffs it's not even that good anymore. I used to think that restricting paypal would hurt my sales (i sell virtual goods on my own site) but I was wrong. If you have a good product people will pay for it, regardless which way.
 
DONT SELL ON EBAY! You people want change? Be the change. Ebay isn't the only place to sell, and ffs it's not even that good anymore. I used to think that restricting paypal would hurt my sales (i sell virtual goods on my own site) but I was wrong. If you have a good product people will pay for it, regardless which way.

Ahh interesting. So you have a website and sell digital products? Who do you use for receiving payments and did you design the site yourself?
 
Ahh interesting. So you have a website and sell digital products? Who do you use for receiving payments and did you design the site yourself?

My payment options are Skrill/Wire, that's it. 95% people opt for wire, but then again, most of my clients are from Europe, where wires are actually friendly and easy. As for the website, I use wordpress :D
 
Where would you recommend selling digital software and what method to receive funds/sales etc/

Thanks for the info.

What's exactly stopping you from opening your own website and selling via your own credit processor?
 
well shit happens lol there is no need to panic at this point , dig around on forums for users that have had such experiences in the past , I remember I once won a paypal case by following a guide I read on a forum ( no clue about the name ) , data is the 2016's gold my man

good luck and I hope you will sort this out
 
The reason why Ebay sellers do not say Goodbye to Paypal and embrace merchant account is because buyers love paypal. I wish Ebay could adopt a payment system similar to Amazon.
 
paypal should be called paypain its awful if you have a growing business, skrill is not much better, wire is best
 
life goes on dude !! stay focus on business, don't think anymore about revenge !! wait 180 days, and get your monet. Meanwhile , make several stealth paypal and ebay accounts, and make good business on them .. that's easy !
 
get a stealth and start up again shouldn't be too much mane. in the future take those monies out physically at an atm/bank acct.

learn from this, keep forward cause paypal marketing is too strong. they're not goin anywhere. they've dominated the merchant options on the market.

btw they're holding your funds for 6 months because interest accumulates on that 2k.
 
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if your legit paypal will un ban you. if not save money and make a stealth in the futre. for now make a stealth and let it age for a few months :).
 
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