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    • Hello, I am a private seller and recently sold a pair of trainers on eBay.  Everything seemed fine until just after the eBay 30 day mbg had expired.  The buyer contacted me with photos showing me that both shoes had ripped.  He wanted his money back, and after refusing to refund him, he then left me retaliatory and defamatory feedback on my profile to the effect that I had sold him fake trainers (this was removed by eBay).  He then initiated a chargeback via Paypal.  Invariably, the outcome was in his favour, and I have now been charged for the cost of the trainers.  I would have also been stung for the chargeback fee, but eBay refunded this.  Incidentally, I do have the email receipt of the trainers from when I bought them from a well-established and bona fide online retailer.  The susbequent conversation with eBay followed its predictable course, i.e. the chargeback is out of their hands etc. I have been in contact with citizens advice, and my bank.  Citizens advice told me that as a private seller I'm responsible for the "Title and description" of the goods, but not the performance, or the fitness for purpose.  To me it is clear; if you receive something that's not as described, you don't then use the goods, and more than 30 days later claim 'not as described'.  In my mind, this makes the claim fraudulent.  He's used the 'they're fake' card to give credence to a 'not as described' claim here, obviously, without any evidence.  My understanding is that the chargeback is unlawful, because the trainers were shipped as described.  However, I read something on an eBay forum regarding sellers having no statutory rights, i.e. no right to appeal against a chargeback decision, or to complain to the financial ombudsman.  Does this mean that if my bank disputes the charge on my behalf, it will be to no avail, even if it's recognisably a fraudulent chargeback?  I have reported it via the Actionfraud website. Any advice, anyone?  Would be most grateful!
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Npower trying to default me even though they lost in court!!!


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Hi All,

 

need some help please. I will list the points below:

 

1, 2013 - changed supplied to Eon, never got a final bill from Npower (they say they did send it)

2, Never got any bills of any reminds or red letters from them at all.

3, then got a letter from them out of the blue in Oct 2014 saying i owe them for gas/elec and i have to pay before debt collection agencies get involved.

4, i contacted them, and told them about back billing as they were chasing me for something which was 18 months old.

5, then i get letters from DCA, 2015, was told to ignore which i did.

6, small claims court arrives from county court, Jan 2016

7, i dispute it and regarding back billing and I win.

8, not heard anything for until Apr 2017, another DCA called Arvato started calling me to pay.

9, I told them the situation, they put the account on hold, they liased with Npower, then decided to carry on harrassing me.

10, 14th July Npower send a letter telling me i have to pay in full or they will default my file.

11, the amount is £467.35, yet when i log into the account and look back it says I owe £616!!!

12, I have sent an email to Npower to cease chasing me for this.

 

I need to know, what other things can I do to stop this default?

 

n.b. i don't have any paperwork as I won in court, and as it was a year old in jan this year, i binned it all (daft i know)

 

Any help is much appreciated

 

Thanks

 

Paul

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Anyway aside of all that. Sign up with all 3 - Verify all 3 agencies DONT have a default (Callcredit, Experian & Equifax)

Come back here and let us know what you find.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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They are correct that they can default you

But that must be in a timely manner

Within 3mts of the 1st missed bill payment

 

As for any dca ignore them

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Anyway aside of all that. Sign up with all 3 - Verify all 3 agencies DONT have a default (Callcredit, Experian & Equifax)

Come back here and let us know what you find.

 

ok took some time, all are clear, no defaults against me, they don't even appear in the utilities section!

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so they can't then? it's just over 4 years ago?

 

Yes they can...

if they do it must be dated at that time

 

Workout out when the first bill was and what would have been the date of your 3rd missed payment

 

Though I think you could be panicking about a silly threat-o-gram here that's doesn't say anything of the sought about defaults

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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]Hi,

 

the final bill was 26th June 2013, so it would be 26th Sept 2013!

 

not necessarily panicking, just been through a lot with them, and they don't seem to leave me alone.

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One problem for NPower is that any authorisation a customer gave them to process data to CRA's, may no longer be available, as the person concerned stopped being their customer 4 years ago. Far too late in the day and arguably no contractural authorisation to process data to CRA's.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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npower will make up the ex-customer details to report, wrong full name, wrong dob etc just to trash your file. when you tell them to desist they laugh at you. It may end up back in court.

Never known it from any other energy supplier.

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