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Off topic & small talk: Chatterbox (Page 861)

Topic created on 14th Jan. 2019 | Page: 861 of 1177 | Answers: 11,764 | Views: 1,492,542
frapi07
Expert

Chatterbox

26th Jun. 2023, at 03:35 am CEST#8681
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Liked this post: Avatar von Blubbo33 Blubbo33, Avatar von gamble1 gamble1, Avatar von Langhans Langhans

gamble1 wrote on 26.06.2023 at 00:51 Clock:
It was played through my account but that was according to the list 20-30 individual bookings for Scratch cards between 1 € and 20 € which were paid by direct debit my bank has canceled the payments at that time because they were conspicuous and therefore I have not noticed it

Now a Debt collection suddenly wants to have 1000 € of an original value of 400 € including reminder not even a reminder I have ever received on which I could have reacted so I now ask myself the question if I have never used the things and also never got a reminder then had the permission to do so at all? If I would have used the stuff I would pay it but not like this

To the collection: I would enter there first of all no installment payment. They are definitely too high and that is no longer allowed.

Collection costs: How high may the collection fee be? (debt counseling.org)

Scroll down to the middle of the home page, there is an example:

Let's look at the whole thing using an example: the main claim, i.e. the value in dispute, is 500 euros. According to the lawyer's fee table, a fee of 45 Euros is due for this.

This is now offset against the standard fee rate of 1.3:


45 € x 1,3 = 58,5 €


So if you hire a collection agency for a debt of up to €500, you will incur €58.5 in fees.

Since you have an alleged 400€ as a claim, we can also assume about 50€. So definitely too high.

Below is what you can do. First step: check whether this is a reputable collection agency.

You can check the seriousness via the website https://www.rechtsdienstleistungsregister.de/. All registered legal service providers are listed here: If there is no entry for the corresponding debt collection company, this is a clear indication that it is not a reputable provider. Further down it is described that you can also create an objection, but if they are not there, I would not answer them.


About Lotto: they must have the logs. Ask them to give you the logs including the IP address. With serious sites you can even look them up yourself (Pino e.g.) If they don't give anything, then it is a scam attempt.

If you have the logs where these lots were bought and you are sure that it was not you, then I would appeal.

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Stromberg
Legend

Chatterbox

26th Jun. 2023, at 07:30 am CEST#8682
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gamble1 wrote on 26.06.2023 at 00:51 Clock:
It was played through my account but that was according to the list 20-30 individual bookings for Scratch cards between 1 € and 20 € which were paid by direct debit my bank has canceled the payments at that time because they were conspicuous and therefore I have not noticed it

Now a Debt collection suddenly wants to have 1000 € of an original value of 400 € including reminder not even a reminder I have ever received on which I could have reacted so I now ask myself the question if I have never used the things and also never got a reminder then had the permission to do so at all? If I had used the stuff I would have paid for it but not like this

And the bank didn't tell me about 20 to 30 bookings they cancelled ?

And if so, then you have not directly checked your account at Lotto?

Scratch cards offer the ewig also online, since when exactly I do not know...

This post has been translated automatically

gamble1
Legend

Chatterbox

26th Jun. 2023, at 11:14 am CEST#8683
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Stromberg wrote on 06/26/2023 at 07:30:
And the bank didn't let you know about 20 to 30 bookings they cancelled?

And if they did, you didn't check your account with Lotto directly?

Scratch cards offer the ewig also online, since when exactly I do not know...

Yes, the bank has given notice, but that was 1-2 days after the last cancellation, so all in all about a week after the first booking


At that time my advisor said we have stopped for security reasons xx bookings if they have not authorized it is done for them

frapi07 To Debt collection: Yes is a serious company are the dear ladies and gentlemen of Creditreform so seen even a credit agency like Schufa so I'm really torn what I should do because they will insist

The Lotto Account gibts already felt forever no more

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Stromberg
Legend

Chatterbox

26th Jun. 2023, at 11:34 am CEST#8684
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gamble1 wrote on 26.06.2023 at 11:14 am:
Yes the bank has informed but that was 1-2 days after the last cancellation so in total about everything a week after the first booking


At that time my advisor said we have stopped xx bookings for security reasons if you have not authorized it is done with it for them

frapi07 To Debt collection: Yes is a serious company are the dear ladies and gentlemen of Creditreform so seen even a credit agency like Schufa so I'm really torn what I should do because they will insist

The Lotto account is already felt forever no more

Okay that's already very let's say "loosely handled" by the bank.

If they tell me that 20 unauthorized or questionable debits were debited from your account, but do not worry, then I think I would want to know what happened there😄

Otherwise just annoying as hell, I hope you get out of it somehow...

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gamble1
Legend

Chatterbox

26th Jun. 2023, at 11:37 am CEST#8685
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Stromberg wrote on 26.06.2023 at 11:34 am:
Okay that's already very let's say "loosely handled" by the bank.

If they tell me that 20 unauthorized or questionable direct debits have been debited from your account, but don't worry about it, I think I would want to know what happened😄

Otherwise just annoying as hell, hope you get out of it somehow...

Really annoying

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frapi07
Expert

Chatterbox

26th Jun. 2023, at 11:49 am CEST#8686
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Lotto BW should be able to trace everything. You would only have to get in touch with them and explain your situation. Just say that you received a notice from the collection and you would like to know when, where and with which IP these tickets were purchased. You can argue that a) your account has been deleted for a long time and b) you don't remember buying such lots. Regarding the Debt collection: I would react quickly and file an objection. The costs are definitely too high. The question is how sure you are that it really wasn't you. You can file an objection against an unjustified claim, against inadmissible collection costs or against a missing reminder . Almost all of them apply to you (unless you really bought these lots years ago and simply forgot about them). Here are the sample templates: Inkasso-Widerspruch einlegen (incl. Sample letter) (schuldnerberatung.de)

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hustlehoff
Expert

Chatterbox

26th Jun. 2023, at 11:52 am CEST#8687
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Sorry, but I believe here again not a word that a bank debits from state licensed Lotto Baden-Württemberg simply canceled over your head and you run the Risk that your tickets become invalid, how should the bank know that you have not bought these, especially since you can retrieve debits themselves for up to 8 weeks. Rather, the bank would have called you and asked if this has its correctness and not simply canceled the debits lol sorry, I know exactly that the story is not true.

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frapi07
Expert

Chatterbox

26th Jun. 2023, at 11:59 am CEST#8688
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I don't think Gamble1 would need to tell any fairy tales.

What I do not understand: you say that the bank has not carried out the debits. So you knew that Lotto BW once tried to debit money. Did you buy these tickets or not? How else would you know that these are tickets and not other lottery games?

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Blubbo33
Elite

Chatterbox

26th Jun. 2023, at 12:00 pm CEST#8689
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frapi07 wrote on 26.06.2023 at 11:49 am:
Lotto BW should be able to trace all this. You would just have to get in touch with them and explain your facts. Just say that you got a notice from the collection and you would like to know when, where and with which IP these tickets were bought. You can argue that a) your account has been deleted for a long time and b) you do not remember buying such lots.

Regarding the Debt collection: I would react quickly and file an objection. The costs are definitely too high. The question is how sure you are that it really wasn't you. You can file an objection against an unjustified claim, against inadmissible collection costs or against a missing reminder . Almost all of them apply to you (unless you really bought these lots years ago and simply forgot about them).

Here are the sample templates: Inkasso-Widerspruch einlegen (incl. Sample letter) (schuldnerberatung.de)

Only times so as info for me, what brings him then the IP if he asks lotto !??

How do I know then my IP from let's say 2 years ago to be able to match that!

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frapi07
Expert

Chatterbox

26th Jun. 2023, at 12:04 pm CEST#8690
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Blubbo33 wrote on 26/06/2023 at 12:00 PM:

Just as info for me, what good is the IP when he asks lotto !??

How do I know then my IP from let's say 2 years ago to be able to match that !?!

Theoretically you can prove by the Provider that you did not have this IP on XX.XX.XX. How else do you want to prove that you have not acquired anything?

But you would have to file a lawsuit to get the provider to hand over this information.

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