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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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Nationwide frozen my savings account with wages in. Set off?? Taken £2400


tonyc123
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I believe nationwide have "set off" my wage,

 

i owe then 2895 for a credit card debt from 2 years ago,

ive only just started working and ive had my wages paid into my account then transferred them to my instant access saver account before i pay my bills

 

Im away working in a hotel and was unable to see the account when i logged in to internet banking..

 

ive spoken to their customer services who have said that their recoveries team has frozen my savings account and i cant speak to them until tomorrow,

they have taken/frozen my entire wage of nearly 2400 which has left me unable to repay monies ive borrowed whilst waiting for my 1st wage and my bills for the house..

i need to ring them in the morning but can anyone advise on this situation

 

I believe it could be know as setting off from researching online..

obviously now workimg i intend to repay the debt

but they havent contacted me about it and its my 1st wage..

 

i certainly cant afford to pay 2400 in one go!!

 

In addition to this im 250 miles away from home, due to work the week with 20 in my account

 

Any advice is very much appreciated

Edited by tonyc123
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Hi Tony

 

Yes they can offset - First off - You need to open a parachute account in future...

 

Speak to Nationwide tomorrow.

Pay attention to the CONC Sourcebook Section 7 - Arrears...

 

Dont be bullied

- While they can ROSO as i call it, you are entitled to your wages.

 

If they dont play ball you complain.

 

Come back to me when youve spoken to them.

 

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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Hi Tony

 

Yes they can offset - First off - You need to open a parachute account in future...

Speak to Nationwide tomorrow. Pay attention to the CONC Sourcebook Section 7 - Arrears...

Dont be bullied - While they can ROSO as i call it, you are entitled to your wages.

If they dont play ball you complain.

 

Come back to me when youve spoken to them.

 

Hi,

Thanks for the reply, i have another account i can be paid in but seem as im working i have all itention of repaying it which is why im still using their accounts.

 

Im just really worried about my existing commitments and the fact im stuck at the other side of the country in a hotel im not going to be able to pay for.. and being able to work the rest of the month whilst keeping s roof over my head.

 

Ive had a quick look at the link you supplied but cant make out whats relevant

 

I will update tomorrow

 

Thanks

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