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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!
    • Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided.    2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"?  Do I send anything for the Vodafone debt they have included?  I've only done 118 loan s. 77 & capital one credit cards so. 78    Thank you  
    • It'll be something to the effect of:  "I am in receipt of your letter before claim.  I was awaiting a passenger as a licensed cab driver on the Locton estate who subsequently cancelled the pickup after me waiting a while and will fight this in the small claims court if necessary. Plus I have friends who are experts in contractual law and make it their business to defeat these spurious PPC claims.  So issue the claim form or go forth and multiply, up to you"
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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HI. HERE GOES, FIRST TIME ON THE FORUM.

JUST SENT LBA OFF TO SANDY WATT AT THE RBOS:)

 

GOT SIX ACCOUNTS WITH THEM . DON'T ASK!

 

CLAIMING £12,000

 

THATS ONLY FOR LAST 6 YEARS.

 

GOT EVERYTHING CROSSED:roll:

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welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.

 

For instant live help please go to the chat room

 

Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional.

 

If you liked what I have written then please let me know by clicking on the scales!

 

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http://www.consumeractiongroup.c o.uk/forum/faq.php

 

Scotland Issues

http://www.consumeractiongroup.c o.uk/forum/scotland/

 

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Online claim or direct at court?

Getting MCOL Right

 

Finally good Luck.

jamesrap.

 

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Hi welcome, same advice as above from jamesrap. you were looking for sandys e-mail addy ? SandyWatt@rbs.co.uk

05/03/07 S.A.R - (Subject Access Request) handed in at branch

Found missing statements at home !!!!

08/03/07 Prelim+ schedule posted rec del

22/03/07 :mad: No reply to prelim LBA posted rec del

05/04/07 :mad: 14 days and no reply to LBA, sent e-mail

27/04/07 :D Offered FULL SETTLEMENT £3375

03/05/07 Cash in bank account :D :D

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Thanks for that.

I am still waiting for my statements from 2 accounts. These are both joint accounts. The statements have always been sent to me.. Does anyone know if its different for joint accounts:confused:

 

I am just writing off for my credit card statements. I closed both accounts 12 months ago.

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Hi got a letter off Sandy Watt. Stating looking at my claims but I did not provide enough info about the account. The letter has my account number and my address. They want my sort code. This must be a delay tactic as when I spoke to them on the phone it only took seconds to look it up. Sent Sandy an email giving details but stating I am sticking to the timescale. I never get a reply to my emails. Sorry Sandy for thinking you are a Female. Was told on the phone you are a male.

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Well after a couple of Emails to Sandy, I finally got a reply. Saying still looking at my claim. Explained that the deadline was up tommorrow and would be starting legal action. Just got another Email saying an offer is in the post. I should have it by the weekend. Not sure how it is being sent? Pigeon? I will give them until Saturday then fire off to money online.

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Well looks like I gave the RBS to much credit. Just logged on to my computer banking. looks like they have closed my accounts. Might just be system down. waiting for todays post. Hopefully I will have an offer.

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Well looks like I gave the RBS to much credit. Just logged on to my computer banking. looks like they have closed my accounts. Might just be system down. waiting for todays post. Hopefully I will have an offer.

 

 

Please let us know if they have closed your account

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HI. phoned RBS . They said it was a technical problem. My accounts came back online late yesterday. My offer did not arrive yesterday. I intend to start the legal ball rolling toady if it does not arrive in the post. They have charged me another £180 in chaqrges since I put my Claim in. Can I claim this back?

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HI. phoned RBS . They said it was a technical problem. My accounts came back online late yesterday. My offer did not arrive yesterday. I intend to start the legal ball rolling toady if it does not arrive in the post. They have charged me another £180 in chaqrges since I put my Claim in. Can I claim this back?

 

 

Yes you can add these charges, but once you file the claim further charges can only be added my amending the claim (N244) this costs £35 which is not reclaimable. So charges after this I would ask them to be considered in any settlement or issue another claim for them.

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