What I learned so far about financial claims of outstanding payments and the ways to enforce it is:
You need, at least, to let the person receive 2 reminders which have to name a reasonable period (after the first exceeds, you can send the second) and if the last deadline exceeds, you have the possibility of escalating further.
I don't see in what way PayPal is complying to this.
A friend had times ago this situation: He did a purchase where the debiting of PayPal failed. They notified him about that, sent him a reminder by saying "do it as soon as possible". 2 months later, he got mailed by a debt collecting agency. They claimed almost the quadrupled amount of the already-charged added amount Paypal was claiming.
Now I'm in a situation where something similar happened. (I just paid the debts 2 days ago and everything should be fine, but) Now I just ask myself, since I didn't get any mail that looked to me like an official reminder:
The first mail:
There wasn't enough money in your bank account ending in **XX to cover the below payment you sent.
Payment Recipient: XXXXX Recipient’s Email: XXXXX Your Transaction ID: XXXXX Transaction Date: XX XXXXX 2016 Transaction Amount: XXXXX EUR
As a result, we debited the amount from your PayPal balance. Your account has also been charged XXXXX EUR, that your bank charged us as processing fee.
Your PayPal account balance now shows an amount owing to us. Please restore your balance as soon as you can.
We may retry charging the outstanding amount, including the bank processing fee, from your bank account. Please make sure that you have enough money in your bank account for this payment, to avoid any penalty fees that your bank may charge.
And the second mail arrived few days after the second charge didn't work as well:
Reminder: Negative PayPal account balance
We would like to remind you again that your PayPal account has a negative balance. Please add funds to your account as soon as possible.
Account Holder's Name: X Bank Name: X Sort Code: XXXXX Account Number: **XX Transaction Date: XX XXXXX 2016 Transaction Amount: XXXXX EUR Date of Reversal: XX XXXXX 2016
To see details of this transaction, go to your PayPal account history by logging in to your PayPal account and clicking the History tab.
Don' t hesitate to call customer support at 0800 723 4500 (Mon-Fri 8am till >9.30pm and Sat-Sun 9am till 7.30pm, Free call from a landline. Note: If you >are calling from outside of Germany, use the following telephone number: >+353 1 436 9003 (international call charges may apply.)).
My friend told me that's also all he received before the agency contacted him so:
Is PayPal under German law entitled to escalate the outstanding payment legitimated to an debt collecting agency which is claiming a multiple1 of the original claim, while the only 2 mails received related to the claim were worded as these 2 mails?
If so, what are the criterias that have to be complied and in what way these 2 mails are complying it?
1I'm not asking if the amount itself was justifiable