1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

PayPal

Discussion in 'BlackHat Lounge' started by MITSAI, Oct 24, 2015.

  1. MITSAI

    MITSAI Newbie

    Joined:
    Oct 24, 2015
    Messages:
    0
    Likes Received:
    0
    Hello friends.


    I've never used PayPal at all and my friend told me to make an account so I could sell some gaming accounts etc.


    At start, I used my real name, address, phone number and e-mail, I also added a bank account so I could withdraw the funds.
    My bank is like a bank minors can have and it's from Millennium (bank name).




    He paid me with his debit card, two 40$ transactions and I gave him the account, fast forward 1 week or so later, he got banned on some forums he was trusted in, and chargebacked a lot of people plus scammed, so I'm worried I'm the next victim.


    If I get chargebacked, I'll lose as it was virtual goods and he paid with his debit card, so I'll get negative balance.
    I removed my address, phone number (and added a fake one), removed bank account also and about to remove e-mail and name to some random ones.


    I am from Europe, Portugal so thankgod I'm not in US or something.


    If he actually decides to chargeback and wins, should I pay the negative balance I'm left with?
    Is it true they take your money from your bank account in order to get the money back?
    Will I go to court over 80$ or something?
     
  2. srb888

    srb888 Elite Member

    Joined:
    Jul 30, 2008
    Messages:
    3,267
    Likes Received:
    5,081
    Gender:
    Male
    Occupation:
    WebzSurfer
    Location:
    Sun, Mon, Tue, WTF, Sat!!! :)
    IMPORTANT
    First thing: Are you a MINOR? Please be truthful about this... From your OP it seems that you're indeed a minor. Then we can or cannot give you a proper advice even as internet friends. Please tell your parents everything about this case and let them consult a proper lawyer to handle this for you.

    Btw I wonder how old is your friend? He has used you, a minor, for committing online frauds imho, and so let your parents handle this in all seriousness...

     
    • Thanks Thanks x 1
    Last edited: Oct 24, 2015
  3. Asif WILSON Khan

    Asif WILSON Khan Executive VIP Jr. VIP

    Joined:
    Nov 10, 2012
    Messages:
    11,461
    Likes Received:
    32,383
    Gender:
    Male
    Occupation:
    Fun Lovin' Criminal
    Location:
    London
    Home Page:
    Do you think Paypal just forget your old address just because you changed it?
    The fact you are in Europe means nothing.
    Yes you could go to court ... but ...

    ... It is unlikely and because it sounds like you are under age, so if you are a minor then you will probably get away with it.
    Although this isn't a great start and I would suggest trying to pay it back if you can, also be more wary of who you do business with.
     
  4. MITSAI

    MITSAI Newbie

    Joined:
    Oct 24, 2015
    Messages:
    0
    Likes Received:
    0
    I am a minor, but he only told me PayPal was good, it was my own fault using it.
    Wouldn't say I committed a online fraud though.
     
  5. MITSAI

    MITSAI Newbie

    Joined:
    Oct 24, 2015
    Messages:
    0
    Likes Received:
    0
    I am a minor, and I said I was because from Europe because I've seen tons of threads and people in US/UK and almost obligated to pay it.
     
  6. srb888

    srb888 Elite Member

    Joined:
    Jul 30, 2008
    Messages:
    3,267
    Likes Received:
    5,081
    Gender:
    Male
    Occupation:
    WebzSurfer
    Location:
    Sun, Mon, Tue, WTF, Sat!!! :)
    Yes, the first world countries includes Euro Zone countries are more strictly obliged to follow those rules. But many don't follow rules... :)

    As a minor, you may just have a hope if you take your parents into confidence, and you can pin this on your friend's misguiding you. But only a competent lawyer can address this issue in the best possible way. When such transactions are involved, there could come up a rule in future, if it is not already in place now, that they will have to be informed to concerned authorities, including the banks. It may stick on your history for a long time, so get it undone asap, and through your parents and their lawyer. Don't worry... I think you may not get into legal process that much as you're a minor and this is probably the first time you've been involved in a fraud, even on a smaller scale, it still is a crime. As a minor too, your real name wouldn't appear in public news etc, and the law will take a much softer approach against you. IMO, the fraud is committed only by your friend who has misguided you, and you know -- sh!t can happen to anyone and everyone. Only consider the advises of the real legal authorities, your parent's lawyer and no one else imo again.

    How old is your friend?

    P.S.:
    Btw how can he convince you that your account is OK? Doesn't PayPal stop the minors from opening an account which is fit only for adults operating it? You, as a minor, are supposed to open only a STUDENT's account on PayPal, and then you're able to spend through it, if I am not mistaken. Please check PP rules about this. You got wrong information from him. It will prove that he would be having a fraudulent purpose in making you open it. Did you gave a wrong age (not your real age) information to PP when you opend the account?
     
    Last edited: Oct 24, 2015
  7. MITSAI

    MITSAI Newbie

    Joined:
    Oct 24, 2015
    Messages:
    0
    Likes Received:
    0
    He's like 15 (he's on my class) he's a really good friend and trust me, it's not his fault.
    I've read stuff like chargebacks before after he told me so I knew what I was going into, it's simply the guy who got banned on the forums, chargebacked EVERYONE and thankfully he still didn't chargeback me so he might be enjoying the account so much he won't chargeback, still a possibility.
    I don't think PayPal and I should take so much effort for 80$

    I just want to know what happens if I actually don't pay if I get negative balance, ex: Would they take the money from a bank account even though they shouldn't even have permission for that
     
  8. srb888

    srb888 Elite Member

    Joined:
    Jul 30, 2008
    Messages:
    3,267
    Likes Received:
    5,081
    Gender:
    Male
    Occupation:
    WebzSurfer
    Location:
    Sun, Mon, Tue, WTF, Sat!!! :)
    Just pay up the negative balance, if it happens, and bring the account to good standing again then. But this is not a good legal advice imo. lol. Better consult proper people: your parents first so that they will do exactly what needs to be done to save you from any consequences. Next time, take due care.

    I wonder why that banned member had to chargeback so many guys? But don't elaborate on it please, at least not here. :)

     
  9. srb888

    srb888 Elite Member

    Joined:
    Jul 30, 2008
    Messages:
    3,267
    Likes Received:
    5,081
    Gender:
    Male
    Occupation:
    WebzSurfer
    Location:
    Sun, Mon, Tue, WTF, Sat!!! :)
    This Google Query should help you:
    how to get out of negative balance on paypal

    As a minor, remember that the internet can give you advises, right or wrong, but it is always better to consult your parents first in case of any problems like this. I still think that you should tell your parents... they may feel disappointed in you, but they would love that you still got them into the loop.

    As a father myself, I'd love to hear from my children if they are involved in any similar things first, than get the info from any other source.
     
    • Thanks Thanks x 2
    Last edited: Oct 24, 2015
  10. MITSAI

    MITSAI Newbie

    Joined:
    Oct 24, 2015
    Messages:
    0
    Likes Received:
    0
    I've spoken with PayPal through Facebook and they were quite helpful.
    I explained the full story and provided screenshots, they said if he actually decides to dispute and files his bank company to get his money back, they'll ask me for the screenshots and act in my behalf, they also sent his e-mail to the right team at PayPal to investigate this case as he scammed a lot of people and kept the accounts!
     
  11. srb888

    srb888 Elite Member

    Joined:
    Jul 30, 2008
    Messages:
    3,267
    Likes Received:
    5,081
    Gender:
    Male
    Occupation:
    WebzSurfer
    Location:
    Sun, Mon, Tue, WTF, Sat!!! :)
    Nice! You took the appropriate steps in the given conditions. Hope everything settles down soon. IMO, the right people STILL got involved properly by you, and that's also absolutely fair enough! lol

    May be Paypal team didn't get the minor age part still. :) They may convert your account to a Student's account and you may still be able to transact money matters through it, legally (PP's ToS).
     
    • Thanks Thanks x 1
    Last edited: Oct 24, 2015
  12. TayaX

    TayaX Jr. VIP Jr. VIP

    Joined:
    Dec 13, 2010
    Messages:
    3,458
    Likes Received:
    1,931
    Occupation:
    Skype : TayaxBHW
    Location:
    France
    Home Page:
    Well i'm glad your issue is (almost) resolved) As a reminder for the future, please note that if you did not commit a fraud, then your first choice should be to contact directly the service which you think you you could have trouble with.

    In your case, since your honest, Paypal will almost always stand on your side if you provide clear and true informations.
    Good luck buddy !

    PS: And open to your parents, they probably did some mistakes too, and coming forward is always something they will be proud of you for.
     
  13. Codliver

    Codliver Registered Member

    Joined:
    Jul 27, 2015
    Messages:
    84
    Likes Received:
    20
    Not a big deal.

    Worst case he files a dispute/claim and you argue your side.

    No need to lose sleep