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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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MBNA PPI Claim


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Hi all

Had a credit card with MBNA since December 2001.

Couple of months ago thought I would just check on the off chance that I had PPI

- couldn't see anything when I looked online at my account.

 

I went through the MBNA website and lo and behold it says that my account has had PPI from the minute the account was opened in 2001.

 

Went through the claim and was given the 8 week deadline for a response.

Had two letters from them confirming that they were still working on it.

Got to the deadline day and decided to call them.

 

Was told that indeed my claim had been upheld and that a payment was due of £576.48.

I queried this amount and asked how they had made the calculation.

The guy couldn't tell me but obviously had a script saying that with this amount my account would be back to normal.

 

Not being satisfied with that I called again that day and spoke to another guy who again gave me no info.

I asked if he could tell me how much each PPI premium was worth and what interest it had been rated at.

Nothing. He said that he had no access to such info.

 

Stewed on this and called again next day and spoke to a lady.

All of a sudden she could supply me with all the info I needed, interest rates, actual premium amounts.

 

On me remarking sarcastically that I couldn't understand why MBNA would bother sneakily cheating me out of less than £600 in 17 years.

Didn't seem worth the bother. She then said that the PPI had been closed in March 2003 on this account, as per written request by me, the customer.??????

This was clearly a lie and alarm bells started ringing.

The script kicked in perfectly again

- "most people don't remember what they did some 17 years ago".

 

I obviously asked for a copy of the letter to which I was told that we no longer have such a thing on file. Very convenient!

 

I am alleged to have written cancelling an account that I still didn't know I had 17 years later.

I told her that I smell a rat, based on the calculation she had presented me they could owe £15-£20k.

Would make sense to try and blag me.

 

She told me to send in a cheque for £10 and a request for "SAR" which she claims would show every single detail on the account from day 1.

But now I don't trust them nor anything that they send me.

Today I received the cheque which clearly I will not bank.

 

Does this sound right to anyone?

 

In two emails, two letters and then two conversations with their office nobody once mentioned that the PPI had only been for just over a year and that I had cancelled it in writing.

Has anyone else had an experience like this?

Feel like they have me over a barrel. Help!!!

 

Thanks

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sar then

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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