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PayPal - holding my personal details?

Richard Dower · 2006-04-05 13:32:01

I am about to leave PayPal forever, however their servers/computers still hold all my personal information incl. bank and credit card details. I wish to have any and all information held by PayPal removed. Can anyone offer advice as to how i would go about this and what rights i have? Thank you.

05-04-2006 1:32pm

#1

Richard Dower

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I am about to leave PayPal forever, however their servers/computers still hold all my personal information incl. bank and credit card details. I wish to have any and all information held by PayPal removed.

Can anyone offer advice as to how i would go about this and what rights i have?

Thank you.

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#2 06-04-2006 11:49am

Eoin

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Richard Dower wrote:

I am about to leave PayPal forever, however their servers/computers still hold all my personal information incl. bank and credit card details. I wish to have any and all information held by PayPal removed.

Can anyone offer advice as to how i would go about this and what rights i have?

Thank you.

PayPal have a facility where you can both remove cards from your account, and also close the account altogether. Have you contacted them to confirm that this removes your CC details? Maybe it would be easier just to request a new CC from your bank, and you will be given a new CC number.

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#3 06-04-2006 6:24pm

Random

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Don't they have to keep your records on file for anti-fraud cases for 2 or 5 years ?

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#4 06-04-2006 7:43pm

Richard Dower

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eoin_s wrote:

PayPal have a facility where you can both remove cards from your account, and also close the account altogether. Have you contacted them to confirm that this removes your CC details? Maybe it would be easier just to request a new CC from your bank, and you will be given a new CC number.

You can remove your bank account details from your PayPal account, however the information still remainds on the PayPal servers and computers. It is not permanently deleted.

In addition, in order to close your account you must be verified by PayPal, in order to be verified you must have an active credit card, if you try to remove your credit card from your PayPal account your account will be "limited" and as such you will not be able to use your PayPal account nor remove any information.

It's a catch 22, the only way to be free from PayPal is to cancel any credits cards linked to your PayPal and close any bank accounts also. My issue is i am now free from PayPal...yet they are holding hostage very private information about me on their servers.

This includes bank/CC details, address info and contact numbers in addition to faxed documents i sent into them....i wish to get all this back and have the info they are holding on me deleted.

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#5 06-04-2006 8:08pm

eth0_

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They're a financial institution. Yes, they're c*nts, but in order to comply with the law they HAVE to hold your details for X amount of years, just as any bank must.

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#6 06-04-2006 8:08pm

Hagar

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www.paypalsucks.com

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#7 06-04-2006 8:16pm

Richard Dower

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eth0_ wrote:

They're a financial institution. Yes, they're c*nts, but in order to comply with the law they HAVE to hold your details for X amount of years, just as any bank must.

Do i not have rights under the data protection act of 1998/2003?

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#8 06-04-2006 8:22pm

Hagar

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Richard Dower wrote:

Do i not have rights under the data protection act of 1998/2003?

They would be Irish/European laws wouldn't they?
Where is your data held?

A big server in Guantanamo Bay probably.:rolleyes:

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#9 06-04-2006 8:29pm

Richard Dower

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This is it see, i signed up through www.paypal.ie
Yet they claim on the user agreement the information is held on servers in the US?

Now how was i supposed to know this?, how can they do this?...when you sign up from an IRISH website you expect to be protected under IRISH law.

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#10 06-04-2006 8:30pm

Richard Dower

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And under the US Patriot Act you sign away god knows what!!?!

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#11 07-04-2006 8:13am

Eoin

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I thought the Data Protection Act was to allow you to get access to what information they have about you, not give you the right to request that they delete all information?

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#12 07-04-2006 9:59am

Random

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Richard Dower wrote:

This is it see, i signed up through www.paypal.ie
Yet they claim on the user agreement the information is held on servers in the US?

Now how was i supposed to know this?, how can they do this?...when you sign up from an IRISH website you expect to be protected under IRISH law.

You're supposed to know this because they told you in the user agreement which you agreed to ?

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#13 07-04-2006 1:08pm

Richard Dower

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Listen, how many people actually read user agreements?, might not be a defence but it is a reality. I have read it now and if i knew what i know now i would never have signed up to PayPal.

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#14 07-04-2006 1:12pm

Eoin

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Richard Dower wrote:

Listen, how many people actually read user agreements?, might not be a defence but it is a reality. I have read it now and if i knew what i know now i would never have signed up to PayPal.

I know what you mean (about the user agreement), but I wouldn't expect what is effectively a financial institution to remove all my details on request - otherwise credit histories etc could just be removed at will.

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#15 07-04-2006 1:43pm

Richard Dower

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PayPal is not a bank, i'm not sure they even qualify for the term "financial institution".

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#16 07-04-2006 1:59pm

Eoin

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Richard Dower wrote:

PayPal is not a bank, i'm not sure they even qualify for the term "financial institution".

Not too sure of what the distinction is but from their site:

PayPal (Europe) Ltd. is authorised and regulated by the Financial Services Authority in the United Kingdom as an electronic money institution.

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#17 07-04-2006 2:47pm

Richard Dower

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Fair enough, but they are not a bank otherwise the law governing them would be alot more strict.

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#18 07-04-2006 3:01pm

Eoin

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Richard Dower wrote:

Fair enough, but they are not a bank otherwise the law governing them would be alot more strict.

I didn't call them a bank, I said they are "effectively a financial institution". It's all semantics anyhow.

Unless it's a pain in the arse, sounds like getting a new CC is the only way to remove some of the personal details...

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#19 07-04-2006 3:05pm

parsi

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Richard Dower wrote:

Listen, how many people actually read user agreements?, might not be a defence but it is a reality. I have read it now and if i knew what i know now i would never have signed up to PayPal.

Well lets paraphrase you from the thread on UPS couriers where you showed no sympathy

"To be fair, you should have read the agreement, Fact you agreed to it and did not read it is not an excuse. "

What way would business be if everyone could just say " ah sure I never read that so it doesn't apply to me" but yet Paypal can't use a similar defence "ah sure we never read them data protection act things"

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#20 07-04-2006 3:09pm

Richard Dower

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I said nothing of the sort on the UPS thread.

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#21 07-04-2006 3:12pm

Richard Dower

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http://www.boards.ie/vbulletin/showthread.php?t=2054914350

Show me where i said ANY of what you have stated above Parsi?

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#22 07-04-2006 3:13pm

parsi

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Richard Dower wrote:

I said nothing of the sort on the UPS thread.

Oh Lord. I said "paraphrase" and I replaced your words of no sympathy with my words of no sympathy and put them in bold so that they would be obvious...

I'll parpahrase it even more - you told yer man he should have been there before nine and he wasnt so tough luck. I'm saying you should have read the agreement you agreed to but you didn't so tough luck.

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#23 07-04-2006 3:14pm

Richard Dower

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The PayPal issue is very different to that of UPS, UPS attempted delivery twice and the guy was not present. PayPal is to do with privacy, security and the rights you sign away.

It's like night and day.

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#24 07-04-2006 3:21pm

parsi

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Richard Dower wrote:

http://www.boards.ie/vbulletin/showthread.php?t=2054914350

Show me where i said ANY of what you have stated above Parsi?

Here ya go

http://www.boards.ie/vbulletin/showpost.php?p=51172602&postcount=3

To be fair, you should have been available to accept the package, they tried twice and you were not there. Fact they called at 8.55 and you arrived at work @ 9.00 is not an excuse.

You should be available.

Now look very carefully and you will see the phrase "to be fair you should have". Now keep looking and you'll see "Fact" and looking again you'll see "..is not an excuse".

So you can see I replaced the UPS specific bits about delivery with PayPal specific bits about not reading the agreement and then whinging when it was applied.

See what I did now ?

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#25 07-04-2006 3:22pm

parsi

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Richard Dower wrote:

The PayPal issue is very different to that of UPS, UPS attempted delivery twice and the guy was not present. PayPal is to do with privacy, security and the rights you sign away.

It's like night and day.

If we all read agreements when they were signed in the same fashion we read them when we've problems then a lot of problems mightn't arise (or they might..)

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#26 07-04-2006 3:28pm

Richard Dower

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parsi wrote:

Here ya go

http://www.boards.ie/vbulletin/showpost.php?p=51172602&postcount=3

Now look very carefully and you will see the phrase "to be fair you should have". Now keep looking and you'll see "Fact" and looking again you'll see "..is not an excuse".

So you can see I replaced the UPS specific bits about delivery with PayPal specific bits about not reading the agreement and then whinging when it was applied.

See what I did now ?

Sorry Parsi, it's not a reasonable parallel of comparison to make.

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#27 07-04-2006 5:46pm

parsi

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Yeah you're right. It's not a reasonable comparison.

So you didn't read the terms & conditions and now they've got you by the whatyoumacallems. Tough really innit ?

Paypal are a monopolistic shower of muppets and we are all happy to use them until they pee us off. Problem is the day may come when they've peed off too many people...

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#28 07-04-2006 5:50pm

Dub13

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Can we keep this thread on PayPal please.

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#29 07-04-2006 9:28pm

Sizzler

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Richard Dower wrote:

I am about to leave PayPal forever, however their servers/computers still hold all my personal information incl. bank and credit card details. I wish to have any and all information held by PayPal removed.

Can anyone offer advice as to how i would go about this and what rights i have?

Thank you.

Under the DP Act 1988 the regs stipulate that they can only hold information for as long as is required, the act frowns upon organisations that retain info on the "Just in case" rule. Holding your bank details is not requisite information, they may be obliged to keep your raw transaction history but they dont need to keep these details to such an extent.Send in a 'subject access request' to Paypal Ireland, they have 20 working days to acknowledge and 40 days to furnish the info, they cant charge you more than €6.35 for this.

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#30 08-04-2006 5:37pm

Richard Dower

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Thanks Sizz, i'll do that.

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#31 09-04-2006 8:55pm

shabbyroad

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ok ... I'll bite

Richard - what do you think Paypal (or rather eBay) will do with this information ?

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#32 09-04-2006 9:59pm

Richard Dower

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Some fool could play a chargeback scam, PayPal employees could steal my details, scammers could hack PayPal...anything really.

These observations are based on the fact that ex employee's of PayPal claim that most of their anti fraud resources go into monitoring employee's.

These are not my words but from actual ex employee's of PayPal, read what they have to say over at www.paypalsucks.com

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