Paypal have reopened the case. Hopefully they will fall on my side. Thanks for the advice.

Do you mean send an LBA to Ebay? I do not have the sellers full address. Just to clarify.

I've put in a fraud report with the police for all the good it will do (probably none) and Ebay trust & security team. I've also made a complaint against Paypal with the FOS. But I hear they are only successful in about 15% of cases. I also left negative feedback warning others. Because the sellers full address is not disclosed by Ebay I have no means of sending them a letter before court action. Does anyone know how to get the full address from Ebay? All they sent me in a user info request was their name and general location (Hounslow, Middlsex).

It's not allowing me to PM you as you have chosen not to receive private messages at this time.

They confirmed via Ebay messaging that they did not send the item. They had marked the item as dispatched (Because of the way Ebay and Paypal works they are pressured into doing this) when I asked them for a tracking number they provided a Hermes tracking number but in the same message told me there was a delay on the color I had ordered and would I like to choose a different color. admitting they had not actually sent the item yet. They apparently use a drop shipment method to order the item and then have it sent to the buyer. Which is why they gave a number (which I could not seem to find on any Hermes site) and then asked me to choose another color. It was then that I asked for a refund and got into this mess. I have already hit a brick wall with that route. I went through a number of customer service reps on the phone to no avail. As far as they are concerned Paypal have closed the dispute and they are off the hook.

Hi. I just checked my Paypal and found I did not use a Visa card and had an ongoing debit setup with my bank. An unsafe method which I shall be changing. This is why Santander said it was treated as a debit (I got confused thinking she meant Visa debit). Having the money go directly from my bank account instead of via card means I may be stuffed. I was reading that only 15% of complaints using the FOS are successful. This does not bode well for my case and the seller probably knows this too. Santander can put my money back into my account but this raises a dispute with Paypal. This is why I was concerned about doing so. I do not wish to get entangled in any legal stuff and any costs.

I purchased an item using Ebay and the seller did not send the item. In my haste to get my money back I opened a Paypal dispute. However upon doing so the seller phoned me to say that they needed the Paypal claim closed to refund me through Ebay and rather stupidly I did so. Since then neither Ebay nor Paypal will do anything. I am unable to reopen the dispute with Paypal and Ebay say they cannot do anything because Paypal have closed the dispute (even though they are supposed to be two entirely separate entities). Now I could go the route of doing a chargeback through my bank. But it was done on a Visa debit rather than credit card. From speaking to my bank (Santander) that could entail some risk from Paypal challenging the chargeback which worries me. The amount is only the relatively small amount of £36.49. If Paypal were to be funny about it they could challenge it and possibly I incur some kind of legal fee? I don't know. Given that there is that risk I would rather swallow the amount and admit I have been ripped off and to be very wary in the future of closing any disputes before a full refund is given. Is there any other recourse for me?

http://www.theregister.co.uk/2016/05/26/bank_fraud_liability_shake_up/

You may be right there. I am getting older now and also have been under considerable stress in recent times. I had a feeling that might affect my driving ability so just did some Googling. http://news.softpedia.com/news/Stress-Anxiety-Impair-Driving-Skills-143554.shtml Seems pretty obvious to me. I guess I need to avoid driving when I am particularly stressed if I can and drive along at more sedate speeds. Drivers in a rush behind me be damned.

I may or may not be receiving an NIP in the post soon. But I wish to vent my spleen somewhat over the circumstances of two incidents within the last few days involving traffic lights. The first was at a flyover with a roundabout underneath. There were three sets of lights to pass through in order for me to proceed onto a slip road where traffic merges from a 30 MPH zone to a 50 MPH portion of the motorway. I passed through the first set of lights on green at 20-25 MPH. The second set of lights changed to amber as I was crossing from one side of the road onto the slip road only for me to be met by the red lights of a pedestrian crossing. Which turned from amber to red at the same time as the second (previous) set of lights. There was no delay between them. There was a small space before the third set of lights for approximately one car length to stop. Because I was in the process of accelerating onto the slip road I would have had to slam on the brakes to avoid passing through the lights on red. This seemed counter intuitive to what I would expect when driving onto a slip road. Regardless of what the law says regarding driving through red lights. I felt it was not a fair system and in fact dangerous. I reported this to TFL on their website (without giving them my details of course). I have been beating myself up about it since. I am not sure if there were cameras there or not and it caused me considerable anxiety. The second time was only yesterday. There is a dual carriageway with a 40 MPH limit. This particular set of lights is quite odious. It has a red light camera (I assume) and speed camera lines on the junction. It is a major road junction that allows turning of traffic onto a minor road. I approached it with some trepidation wondering what the best plan of attack was. Begin to slow in preparation for a red light or continue at just under 38 MPH. I made the decision to continue at speed and that was when the lights turned amber. I decided to continue at speed and accelerated ever so slightly. I do not believe I broke the speed limit. However I am unsure if I made it through in time for the light turning red. From my understanding there is no requirement to slow down when approaching traffic lights unless they have already begun changing to amber and you do not think you will be able to cross the junction in time. But I may need my mind refreshing on if the highway code says otherwise. Especially since this was a dual carriageway with a 'continuous' 40 MPH limit. Because this is faster than 30 MPH it requires more stopping distance and this concerns me. Especially since they appear to have placed a speed trap on the junction as well. If you are getting close to the lights at speed (remember I have not broken the speed limit) then it leaves you very little room to stop without slamming on the brakes. But if you are pushed to accelerate through the lights at amber this could place you at risk of being snapped on a speeding charge or possibly being hit on both a red light and a speeding charge. The whole thing appears a bit catch 22 and very suspect IMHO. I have been VERY aware of my driving with regards to traffic lights of late and every time I approach a set I get more cautious and 'driven' to distraction with regards to how they operate and how I should deal with them. I have been driving for over 30 years now and it's only in the last few years I have noticed these issues. I never used to have issue with passing through lights but in recent times it appears the odds are being ever more stacked against drivers to be pushed into 'breaking the law' so to speak. Despite what they keep telling us about it being in order to make things safer for both drivers and pedestrians. The odds are you will make that 'mistake' sooner or later. To me it smacks of both incompetence and a cash grab.

I had a feeling I was not seeing the woods for the tree's. Thanks. It also said my area was OK when in fact it's rubbish. You have to stand in a certain spot in the house to get a 1 bar signal that 'sometimes' works. Even outside you need to take a walk up the road to get more than a bar. I have one of those Three boxes that uses the internet for calls instead.

Nope. Tried in Edge, Chrome and Firefox. http://i.imgur.com/37Y2H1a.jpg

I don't get anything. No green or red areas. I have tried in several browsers. All I get are shades of grey and light blue for rivers etc.

I understand what you are getting at and if it was me appealing I would use that argument. I am sure there are plenty of fines being overturned using such methods. Unfortunately the two other drivers don't seem to want the hassle or risk of a larger fine trying it. the point of my post is to ask whether they can be prevented from their continued harassment of motorists by taking more organized action against them.

It has come to my attention that Redbridge council are unfairly profiteering from motorists driving in and around the Ilford area. I am posting here to find out if there is anything myself or others can do to 'overhaul' this system as it is unfair on drivers and is purely a money making scheme for them. Recently myself and a few other guests attended a dinner party and used the Citipark multi-story car park in Clements Road, Ilford. To enter and exit the car park there is a small intersection that splits the one way street and prevents drivers from driving back down the wrong way when exiting the car park. Upon exiting the car park you are immediately directed to the right and the intersection then directs you to the left into Clements road. You then proceed down two lanes. One leads you to the left - under a building through a small tunnel - into Clements Lane. The right hand lane continues to lead you down Clements Road towards Ilford main high street (High Road). We used three vehicles to attend. The drivers of the other two vehicles have informed me that they have both received a penalty notice from Redbridge council along with photographic evidence demanding £130 (£65 if paid early and appealing the decision could be very risky and costly) for driving down a restricted road meant for buses and access only. I myself have not received a penalty notice (yet). I don't recall driving down the wrong lane but I shall update the thread if I do. From looking at Google street view and from searching around I can see why. It is not very clear to me what the road priorities are and the signs are small and could easily be obscured if you were driving behind a bus. The road markings say nothing and there is no red coloring to the road that would indicate a bus lane either. From some research it would seem I am not the only one to notice that Redbridge council are using this as a money making scheme. Some links below give weight to this observation. Dailymail article http://tinyurl.com/nefwh9w Ilford Reporter article http://tinyurl.com/nrtz3mk Forum posts http://forums.pepipoo.com/index.php?showtopic=68064 If you look on Google street view (link below) you can get clearly see what went wrong and why drivers are being caught out by this. I dread to know how many other drivers are being caught daily by this who are new to the area. Especially since at least two of us were caught out on this. http://tinyurl.com/p5ousm8 Based on this and the above information I wish to know if there is anything that can be done about Redbridge council's flagrant disregard for motorists and 'outrageous' use of them as a money making scheme. Is there no way for a group of us to fight back? This has been going on for years it would seem and surely it has to stop. If I lived locally I would be there every day with a big sign pointing out to drivers the restrictions, denying Redbridge council their pound of flesh! Both drivers of the other two vehicles have decided not to fight it and pay the fine without any complaint. They simply say it is too much time and hassle to fight this which I can understand. But if nobody fights back then more people will continue to fall into this trap and lose money. All the while Redbridge council will continue to line their pockets and not do a damned thing to change it. I would love to get involved in some kind of group action but at present all I can think of is to write a letter of complaint to Redbridge council, the local MP for Ilford, blog it all over the internet and write to Watchdog. Any advice is appreciated. P.S. Is it legal to put up your own sign informing motorists of the restrictions as long as it does not cause obstruction? If so, I am surprised nobody has tried this yet.

I'll do my homework when it is up for renewal. Thanks.

My parents are hassling me to contact Churchills legal department. Basically they are of the opinion that since the third party insurer accepts full liability I should not be liable to pay anymore to Churchill seeing as the payment is (should be) coming from the third party and *NOT* Churchill, even though Churchill are dealing with the claim. They say I should not be put at a financial disadvantage when the accident was not my fault and I tend to agree with them. It seems like an unfair clause. Opinions? EDIT: Just spoke to Churchill again (not the legal department). They say it has definitely been registered as a non-fault claim. Basically they say it is not finalized yet and until then I must continue to make payments. If after it has been finalized and I have not got another car then they can backdate and refund any payments to the date of the incident. So basically if I got another car and went with another insurer I still would still have to pay Churchill until it is finalized. It all sounds very suspect to me and like I am being held to ransom in order that I don't leave them before the renewal date. EDIT2: I have spoken to two legal departments (Legal Protection and Churchill Legal Advice). It looks like I am SOL on this one. If I want to complain I can write to Churchill or the FO but to be honest it doesn't look like it's worth it. I won't say I am happy about it but if it's in the contract T&C's...

Thanks. I will get them to suspend the policy until I have another car. The value offered was generous so I have no complaints there. I am just waiting for them to pay it into my bank account. What I intend to do is get another car and insure it with Churchill up to the renewal date and then look around again. No doubt there will be an admin charge for change of car and I wonder if my premium will be affected by the claim (second claim within 3 years even though it was totally the other drivers fault as the car was parked unattended. But I doubt they will even take that into consideration). What I need to try and avoid is them roping me into another year with a different car.

Churchill have written off my car on a category D. It was collected this morning. The haulage guy said any paperwork would have to be handled by Churchill. I did not even get a receipt for the car! I took name/photos/reg etc though. Anyhow I asked about what happens with regards payments and was told I had another payment due the beginning of September because obviously I am paying behind by DD. I asked about cancellation fees and was told it would be fifty odd quid! She said I could tell them to suspend the insurance (Hold on I have no car it's been written off what's that all about?) and when I get another car to put it on and adjust the amount then. If I don't put a car on it after 28 days suspension it will auto cancel (I bet they still want the fifty odd quid though!). My renewal date is in November I think. On their site it says. "You may also suspend your policy for a period of time if you meet certain criteria. For example, if your vehicle has been written off following an accident and you have not yet purchased a new vehicle. Just call us on 0845 603 3551. You’ll need to continue your monthly payments if you pay by instalments." I am a bit confused about that last bit. EDIT: From Moneysupermarket's myths page. "9) If my car is written off in an accident, I can reclaim the remaining premium If you pay for a year's car insurance, but then crash and the vehicle is written off after two months, you cannot then demand ten month's worth of premium back. The contract you enter into with an insurer is for an entire year, not month by month. Even if you're paying on a monthly basis, you're just paying what you owe on the entire year's cover, so if you wrote off your vehicle, you would need to continue paying." I am guessing this means that because I made a claim and the car was not just sold/scrapped I am still liable for the rest of the years payments???

I can. The entire system is rigged against anyone speaking out against it. Witness the lack of appeal process against WPP's.

I am not claiming for injury. Just damage. The third party driver DOES dispute it (saying I cut the corner). However I don't know if their insurer will. I asked what happens if I was to lose for any reason and Claimfast stated that even in that eventuality they would cover it as they are insured against it themselves and they only take on claims they believe they can win. The part about being liable and attending court worries me. I am wondering if I should phone the AA and tell them to proceed as normal and just cough up the £350 excess and be done with it.

Had a good look on Google streetview. I cannot see any obvious CCTV cameras. That does not mean they are not around though.

I did not cut the corner. Of course it's their word against mine as there were no witnesses (unless they falsify a witness statement which can happen). Anyhow back on topic. The AA want me to deal with Claimfast. This is the main issue here.

I looked on Google streetview and the third party side has two sets of broken lines and my side has one set of broken lines. EDIT: For me to have cut her up as she claims would have meant I would have to drive on the other side of the main road. Here is a photo of the junction in question. I've ommited the place names just in case this comes back and bites me on the bum. http://102.imagebam.com/download/EU24k0QlV5w81aeo81Yc0g/21278/212773807/street.jpg

Only on the third party side from what I recall. I will go and take photos of the junction tomorrow.