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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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Rentsmart/thinksmart & SHOOSMITHS - pc world Printer finance


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Hi all,

 

Hopefully someone can give a bit advice,

unfortunately due to a mistake on my part i have ended up in arrears with a finance agreement through Thinksmart for a computer obtained at PCWorld.

 

Shoosmiths who suggest that they are solicitors acting on behalf of Thinksmart although i believe they are connected have been in touch and i have communicated back via email.

 

The debt is not huge at all but at this time of the year it can be difficult to pay back in on go.

 

I will post the email conversation below in the hope that someone could advise how best to respond to their final email:

 

Me to Shoosmiths:

Dear Shoosmiths,

With reference to the agreement number: ****** and your Ref:*********

I received a letter from you stating that i am in breach of agreement and in arrears by £162.45.

 

On checking with my bank i can see that the direct debit has indeed not been paid,

i will be contacting the bank in the interim to ascertain why this has happened.

 

I appreciate that i should have looked at correspondence from Rentsmart and that has been an error on my part thinking that it was marketing material.

 

In order to move forward with this and with consideration that the agreement is due to end soon anyway I can offer the following as a payment plan:

Friday 22nd December £60

Friday 26th January 2018 £100

Tuesday 27th February £100

 

This should ensure that any arrears and any due payments are finally covered.

Please can i request any communication be via this email address.

I look forward to your reply.

 

Shoosmiths reply (prior to this was request to confirm address):

Dear ........,

Thank you for your prompt response.

I must inform you that you have a further instalment falling due on 15 December 2017 in the sum of £34.15.

This will increase your arrears to £196.60.

 

My client have instructed me to terminate your account on 19 December 2017 if your arrears have not been cleared in full.

 

I can see your proposal below shows your first payment proposed to be paid on 22 December,

my client would be looking for a token payment before then to show a goodwill gesture if they were to agree not to terminate your account.

 

I would also need a reason as to why you are not in a position to clear your arrears in full before 19 December 2017

so that I can validate the hold on termination.

 

I look forward to receiving your response.

 

I have formally agreed to hold your termination,

I must inform you that your account is at risk of being terminated on 19 December 2017.

 

Kind regards

 

I'm not really in a position to make an additional payment now and my original offer was looking to include any upcoming payments,

i also believe the agreement is due to end soon anyway which i need to check on, any thoughts welcome.

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they are acting as a dca, not as a solicitors so in short they have no say in any matter.

However, that wont stop rentsmart from leaving late payment markers on your account and thus credit reference files.

 

What didnt the DD go through?

insufficient funds?

 

If it was the banks doing rather than no money available you can go after them to make good.

If dd cancelled you cant restart it so you will have to make payments by transfer to the same account.

 

What to do?

make sure you pay the £34.15 on time so they cant default but only show an arrears.

The pay off the arrears within the loan period and you will then be well out of it

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who are stated as shoo's client

 

somethings not right here

 

are you in Scotland par chance?

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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are this appears to be a business debt?

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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