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Hello, this is Jim and I am a dual-qualified lawyer (UK and Republic of Ireland) and happy to help you today.
Is the problem with PayPal here? And they honour the refunds for customers due to delays?
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OK, so are you now faced with closure of your business or could you change the payment method from customers? I know PayPal is supposed to be an easy and safe way to send money.
The lease on the unit would be terminated and you would owe the owner for the sum due - they could sue for the money if you didn't pay. If PayPal have been negligent or they have broken the contract with you then potentially you could pursue them for your losses.
They would sue in the small claims court. The court will send documents to you to fill out (ie whether you admit or deny the claim)>if you deny the claim it will take months to be decided and if you lost then you would get a CCJ (county court judgment) against you.
Is there anything else I can answer for you?
Yes, if they sue then yes you can do. The owner would have to send you a letter before action first of all to demand payment. You can reply with an offer to pay with what you can afford. If they reject then they will sue in the small claims court and if you lose then the court will give them a CCJ. You can then send in a completed form N245 (attached) to ask to pay the CCJ in installments.
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