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    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. Once question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if i am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
    • a chargeback via a paypal account used in an ebay sale doesn't usually result in funds being sucked from your bank account,  just that you attain a paypal negative balance. as you saying the money was taken by paypal from your bank account without you authorising this? or is it directly the buyers name that is shown? regarding the chargeback but either way you bank account HAS been debited? dx  
    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Stop unlawful repossession of a families home


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I have created an 'e-petition' with the intent that the growing number of families and children who are being evicted from their homes is considered by the Department of Business Innovation and Skills in the UK.

 

They are responsible to consider and protect the interests of any consumers rights when they buy or use services - we are led to believe that such protection extends to Home-Owners who have used the services of banks and sub-prime lenders to secure loans against their homes.

 

There is a 'live' debate to do with the Law pertaining to Deeds and Registered land here on the CaG:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?391318-Repossession-questioned-by-deeds-not-being-signed/page175

 

The debate considers the Lenders right to say that he is right to leave the deed un-executed by him to say he is wholly correct in bringing about an eviction off the back of it... and argument against this practice in favor of the consumers right and the lawful protections against such reliance.

 

We want the Government to ensure that they protect families and their children from that which we have come to find is tantamount to un-lawful eviction of families from their homes.

 

The voluntary sectors such as Shelter - Barnardo's and many others provide support for families with children and their work is highly commendable - How ever these charities along with the families concerned deserve more support... one way in which this can be done is by 'petition'

 

We need 100,000 signatures before the government of the UK will even consider whether the increasing number of families being evicted from their homes is lawful.

 

We need your help and the help of your friends, family and associates to sign this e-petition so that we can ensure that the issue gets to the attention of the Department of Business innovation and Skills.

 

It is public interest that causes change....100,000 signature's will be just the first step necessary to make a difference - There is no cost to you and your personal identity will be protected - please sign the e-petition today by following the link below:

 

http://epetitions.direct.gov.uk/petitions/56915

 

Thank you for your support

 

 

Applecart

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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  • 2 weeks later...
I've tweeted this out, very worthwhile cause. Hopefully the right people will spread the word

 

Hi noisyplanet

 

Thank you for your support.... it is much appreciated.

 

May I also inform one and all that the Rt Hon. Vince Cable was appointed Secretary of State for Business, Innovation and Skills in May 2010......

 

That's the same department that the e-petition is going to by the way....... ; )

 

If you live in Twickenham you can alert him to issues via this email link:

 

[email protected]

 

For those that do not live in Twickenham; you can still contact your local MP by searching for him via this link:

 

http://www.parliament.uk/mps-lords-a...es/mps/?sort=1

 

The next step of course is to make sure that each and every single MP is made aware of the e-petition- with a request that they do their part to assist their local constituents stay in their homes.

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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A very worthy cause.

 

Best of Luck!

 

Thank you RTF1980.......much appreciated ; )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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  • 3 months later...
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