Google Answers Logo
View Question
 
Q: PAYSYSTEMS blocked my accounts ( Answered,   0 Comments )
Question  
Subject: PAYSYSTEMS blocked my accounts
Category: Business and Money > eCommerce
Asked by: neodigital-ga
List Price: $100.00
Posted: 24 Mar 2005 12:06 PST
Expires: 23 Apr 2005 13:06 PDT
Question ID: 499866
More than a half year ago (during the transfer from the old platform
to the new one) on-line payment system PAYSYSTEMS blocked my accounts
with no explanations and some balances remained.
Up to February 2005 I was able to see those balances on-line. In
February the balances started to decrease due to some withdrawals.
However, I still do not
receive any money on my checking account. PAYSYSTEMS' support do not
want to give any explanations and are reluctant to discuss this matter
at all. The question:
How can I get my money back from them?


Regards,

Alex
Answer  
Subject: Re: PAYSYSTEMS blocked my accounts
Answered By: politicalguru-ga on 05 Apr 2005 14:35 PDT
 
Dear Alex, 

First of all, you must ask yourself, if you have: 

(1) Had problems with their terms of service. For example, was
involved in type of  commerce that is prohibited, or did anything else
that might violate their terms-of-service.

(2) Might have been a victim of an identity theft. I am saying that
based on your claim that you haven't received payments, despite the
fact that these are clearing off your account. Are there any other
signs of a possible identity theft?
Here are some resources on identity theft: 
Federal Trade Commission 
<http://www.consumer.gov/idtheft/> 
Privecy Rights. org
<http://www.privacyrights.org/identity.htm> 
US Dept. of Justice
<http://www.usdoj.gov/criminal/fraud/idtheft.html> 
Identity Theft Resource Center
<http://www.idtheftcenter.org/index.shtml> 

Now, please note that I am not suggesting that the problem is because
of identity theft, only that this is a *possible* reason, one of many,
and in fact - there are some complaints on the same problem in several
forums in cyberspace, which suggests that this is generally not the
source of the problem.

In all of the steps of the following outline, I recommend you to
document everything (including phone calls and emails; or just
developments with your account online).


Contacting their management
===========================

Your first move, whether you have been an identity fraud victim or
not, should be to write a firm letter (LETTER, as in made of paper,
not email) to PaySystems. Be sure to: (1) Make it a registered letter
(this is important! use a courier service such as FedEx/UPS/DHL if you
have to).
(2) Explain your situation as clearly as possible, with as many
details, and evidences if you have any.
(3) Express your disdain with their customer support service. 
(4) Clarify that you might seek legal action and detail the damaged
caused to your business.

The letter could be addressed to: 

PaySystems
Head Office:
1500 University Street
Suite 920
Montreal, Quebec
H3A 3S7, Canada

You can also try, in the meanwhile, to address not customer support,
but people in marketing and accounts, directly:
Guy Buchanan - Corporate Account Executive
gbuchanan@paysystems.com 

PaySystems have - or at least had - a US address. Try it, too: 

PaySystems Corporation
334 Cornelia Street #160
Plattsburgh, NY 12901
(888) 751-0744

Please be aware that this is not going to be easy, and that there is a
chance that you won't get an answer, or that you'll get much of the
same unhelpful responses you've received from the customer support.


Addressing the BBB
==================

Your next address might be Quebec's Better Business Bureau. Again,
you'll have to state your complaints, and this time you'll have more
correspondence to show them:

BBB - Quebec 
<http://www.bbb-bec.com/>
Complaint Form
<http://www.bbb-bec.com/Html_A/BBB-BECCadrePrincipal.htm> 

Address 
BBB of Quebec
Bureau 304
785 Plymouth Ave.,
Montreal QC H4P 1B3
Tel >(514) 268 - 9281
E-mail bbbbec@bbb-bec.com

BBBs have some power and their action might put things right. You can
also try the NY BBB:
Better Business Bureau
WWW: http://www.upstateny.bbb.org
Email: info@upstatenybbb.org
Phone: (716)881-5222
Fax: (716)883-5349
741 Delaware Ave., Ste. 100
Buffalo, NY 14209 -2201  


Addressing Legal Channels
=========================

The next step might be problematic for you, and this might mean that
you'll have to give up the fight - it depends on how many resources
you've got (and how much they owe you) and if this ordeal will be
worth the time and money invested. This is addressing legal channels
on the matter.

First, another registered letter, this time from a Quebec solicitor,
might do the trick. You might get an honest response, and even your
money back.

Second, consider the possibility of going to court and suing them in a
small claims court in Quebec.

You can read more about an initiative to bring PaySystems to court here: 
Web Hosting Talk - 
<http://www.webhostingtalk.com/showthread.php?threadid=322172> 


Get the Press Interested
========================
This is not a "next step" - if I would have considered suing them, I
would have also made sure that the press has as much information as
possible. Powerful journalists could pressure the company. Here are
some ideas, taken from political or marketing sites, but that could
fit your media campaign:

Shel Horowitz, 1996. How to Get the Press on Your Side
<http://www.frugalmarketing.com/dtb/press.shtml> 

Using The Media
<http://www.scvo.org.uk/pias/lobbying/UsingTheMedia.html> 

Get The Message Right 
<http://www.greenpeace.org.au/getactive/happen/get.html>

Tell The World 
<http://www.greenpeace.org.au/getactive/happen/tell.html> 

You can start with your local paper, but don't be coy to use such
mediums such as Wired (http://www.wired.com/) magazine or large
national media.

These are ways to apply pressure on PaySystems. Unfortunately, as you
can see in the link I gave you, this is not an uncommon problem. I
hope it will be resolved soon.
Comments  
There are no comments at this time.

Important Disclaimer: Answers and comments provided on Google Answers are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Google does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. Please read carefully the Google Answers Terms of Service.

If you feel that you have found inappropriate content, please let us know by emailing us at answers-support@google.com with the question ID listed above. Thank you.
Search Google Answers for
Google Answers  


Google Home - Answers FAQ - Terms of Service - Privacy Policy