I got this info from another site, could be useful details In the Uk Paypal sell all the debts onto a debt collection company, I am not sure what they do around the world but they may do the same so the following may cover you in your country too; So for some reason you have a negative balance with paypal? And i bet its really uncalled for ... i bet they probably just decided to refund somebody without asking you, leaving you with a negative balance right? Next step is you have recieved that call from Iqor Recovery Service!! Worried? Don't Be! Let's have a look at my experience first.. I decided to sell a few things on eBay, sold them .. put the money in my bank .. done and dusted.. untill i recieved an email asking me to resolve a negative balance!! paypal had decided to just refund somebody without telling me, well, they've made their bed ... they can sleep in it. Few weeks later i recieve the contact from iqor recovery service and in a few minuites work its all blown over! thats if you "owe" paypal £10 or £100,000!!! so what did i do? 1. As soon as you get the phone call don't give them any info, don't "confirm your adress" don't "confirm you date of birth"... they called you .. they know who they are speaking to, you have no legal obligation to provide this information. They cannot speak to you now so will hang up. Rule number 1: they can only make contact once a week. This doesnt include answerphone messages, emails or letter but as of actually making contact they can only do this once a week, they will ring you back the next day ... once you let them know you know the law they will back off and stop calling! 2. Its not over yet though, now your letter will come! with a free post envolope, now my first thoughts were to fill it to the brim with junk mail or stones or whatever or even just send them an empty envolope back with IMPORTANT written on it, but lets take it a little more serious. 3. Now before you do anything on your reply lets start with writing in massive bold letters "I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY" dont do that and you are basically saying you know you owe them money. Now we would like them to provide a copy of the Signed, Excuted Credit Agreement via a Consumer Credit Act (CCA) request. to prove you owe them money, you can find a template for this letter here http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html i would then send this via recorded delivery, just to make sure they don't claim to have not got the letter. You'd think they would get this info to you sharpish right? well untill this matter is settled you don't owe them anything, and if they fail to provide this within a month, THEY are breaking the law. Under the data protection act, if they dont supply you with this info, they are to cease processing any of your data immediately! 4. There is a highly likely chance that they don't actually have the document as paypal don't have any signed documentation to say you owe them any money, there is no written contract between you and paypal, and a simple click here to accept terms and conditions won't stand up in court. 5. They know you know your stuff, they know you know you dont have to pay this money, they know their agression won't work, keep calling or writing to you ... its time to tell trading standards! this is all it takes, no court cases, no worried to answer your phone .. relax ... do these points ... and get on with life Some Points To Consider When Iqor Phones you they will be very rude and agressive and make all sorts of threats, i know some people who iqor have been "filing a court case" for 6 months now, don't give in and pay! they use they're agression to try and get the money out of you When they call dont confirm who you are!!!! if they then continue to talk to you about your "debt" reply with "i don't have a debt with paypal" to any question they ask, and say it calmly, once they have hung up, job done! They are not allowed to make contact during work hours, or after 7pm if they do, tell them this and hang up. If anybody has any letters, i would be happy to write them a reply!, pm me and i will sort it out, purely for hate of this company! Hope this has been helpfull, and hope this at least stops a few more people haveing money taken off them that they don't owe!