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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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Old Paid Citi secured loan charge still showing **RESOLVED**


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In dealing with my financial affairs,

my solicitor advises of a second mortgage registered by Citi Financial.

 

The first one is Nat West which we are close to paying up.

 

The Citi one relates to a secured loan taken out in 1996 and which was paid up 2004/2005

but is still showing up as a mortgage against the property.

 

Unfortunately we have lost supporting paperwork

- so how easy is it to get this removed as it is important for us to move forward.

 

This was originally on my credit file and has since dropped off.

 

Can anyone help.

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time for an sar then me thinks.

 

 

not sur which address mind

 

 

probably the Canadian square address

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?4925-Citi-Cards-Address-***UPDATED-NOVEMBER-***/page2

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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if you can prove you paid it of yes sure

 

 

dx

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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Share on other sites

I would expect the bank account used to pay it off will still have statements available via an sar.

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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Share on other sites

Ok, as I understand a SAR to Citi would give details of the loan payments.

This should include the final payment and act as proof.

Is this a better option than an initial request for discharge (trying to save myself £10).

If they come back negative then a SAR is next

They are not chasing any money, and nothing is on the credit file, just that they have not discharged the mortgage.

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I meant get the proof from the bank account that you used to clear citi loan with?

 

however, why not try a wild punt.

 

give the Canadian square lot a ring and ask.

 

they may just be able to look it up

and if that's the case

you can also ask why the charge is still showing and get it removed ot a letter sent to you

from citi that can be sent to land registry?

 

IMHO worth a punt?

 

dx

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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Share on other sites

I have made contact and told to write to office in Worthing.

 

Thinking ahead I have some questions:

 

What happens if they cannot find my details.

I think they sold/transferred loan business a few years after my last payment in 2004.

Again what happens if that business cannot be traced.

If no records how do I get the entry removed from the Land Registry which was placed in 1996.

Presumably if no records then no contract and therefore no evidence to support the entry.

 

I do not wish this to be a barrier to selling/remortgaging the house.

 

Anyone?

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wont know till you try

 

 

dx

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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Share on other sites

A result.

I actually sent a letter to Citi Complaints Handling at the London address.

They responded by email today to confirm form ESD1 has been sent and the charge has now been removed.

Has took about a week.

Thanks for your help; I think I worried unneedlessly.

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hey great news

 

 

glad to help!

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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Share on other sites

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