Hi Again, I'm still struggling with Accord mortgages over a shortfall from them selling the property for half of what was paid 9 years ago. My ex did a deal recently so I'm left with my half of the debt. I've made a small settlement offer 8% of debt over a month ago. Accord keep pushing me to deal with them over the phone, which I have no wish to do. They also keep pestering me to fill in an expenditure form. I've explained I'm about to be out of work so I don't see how filling in the form is a fair representation of my financial position given I have one more pay day before unemployment. I can't fill in the form based on being unemployed as not sure how much benifits I will get. I've explained all this, given them proof I'm not in perm employment, I've also given proof of what the property is worth and that I feel they should never have sold so cheap given value has increased so much. They came back to me saying I refuse to talk to them despite them willing to discuss over the phone. They feel they have done no wrong and as a good will gesture have given me a cheque for £50. I'm writing again asking them to clarify why they need the form given I'm going to be out of work, or do they want me to wait until April and do the form then? Surely they have to answer those questions rather than keep sending long letters pestering me to chat on the phone? These forms are just such a headache to do so I don't want to do one based on this month if they then are going to want another next Getting a bit frustrating and the cheque they sent felt like an admission of guilt

Thanks again all. Now got a plan of action.

Thanks peps. I'm still making very small payments as last time they chased me I was unemployed to just offered £5. They are now chasing again, but it's not great timing as I'm due to end my current contract in March and job market is still very much dead for what I do. I earn well when I work, but the problem is I'm then out of work for so long that when I do work it takes a while to get back on track. I work in Media finance (Advertising) and it's all about cutting costs and sending everything overseas or creating shared financial services in areas outside of London. When I took out the Mortagage I was in permanent employment and my salary was increasing yearly and my train fair and living costs were half of what they are now. My only hope is I can find something that lasts longer than six months and actually get enough put by to make a final settlement offer they will take. If they aren't happy with my payments or the fact I'm not going to fill in any more of there expenditure forms what can they do against me? I've always paid something every month since they sold the property.

The only thing that puts me off bankruptcy is the fact I work in finance. Current trend is to outsource all finance functions to India currently I only get a few months here or there cleaning up the mess made by outsourcing. Just concerned it will make life even harder for me as that's one of the things employers have checked for even on temp roles. If I can get to March I can send my signing on book and hope I find something quick a nd then start trying to put money away to come up with a final settlement they might accept. I'm not happy with how they went about selling the property as we had turned down a higher offer the month before handing the keys back. I just felt pushed into a corner and it's sickening the property today is worth 180k. I have questioned this, but they eventually provided 2 estimates and some babble about how they can justify letting it go cheap.

Hi, Wonder if anyone can help me with some advice. Me and my partner at the time took out a mortgage for 100k back in 2004. In 2006 my partner walked out on me and left me paying the mortgage. We came to the agreement that she would pay £100 a month and I would pay the remaining £500 until we found a buyer. Unfortunately we ended up in arrears as I was foolishly paying her the money and she wasn't passing this on to the lender. I then said enough was enough and we handed the keys back as I couldn't get her to pay anything towards our joint mortgage. She seemed to think I lived there so I should pay all. Accord had the property for sale for six months and then sold cheap leaving us a 58k shortfall. 9 years later we still owe 58k. I offered a final settlement of 5K originally that was rejected and since have just made small payments per month as I've been out of work more than I've been in work. My ex on the other hand has become a qualified accountant and earns good money in a perm job. Part of my reluctance to pay back was that she wasn't making payments. Latest letter from Accord is saying they want to split the debt 50/50. I've asked for details of all payments made by both me and the ex as I'm not too happy with being given a figure without seeing what payments were made. They are saying they cannot tell me what the other party has been paying. I must be entitled to see this given its a joint debt? I'm currently working, but due to be out of work come March. The most I could offer against the 29k debt is 2.5k and I don't really have that as would be borrowing off family. I don't have any assets. Best they are going to get out of me monthly is £5 Any advice?

Right, the seller has responded via email the following: "we will refund you once the item is returned and pay the postage, but you must remove the negative feedback from ebay 1st or we cannot do anything for you.as regards the legal side re long distance selling laws, you must return the item in 14 days. which you have not, we have not received any evidence of any damage only your say so, the item was in perfect condition when listed and sent, so could only have been damaged in the post or swapped, but all our items are security marked so if it has been swapped we can tell once checked for the markings. we are not always at our unit to sign for parcels etc, but the post office should leave us a card if not in, mark the parcel foa of tf rallyesport,the workshop, low house farm, wigton, cumbria, ca7 8ap." I left feedback stating the items faulty and seller is not refunding so looking at legal action. I'm not happy with there response. They were alerted the item was faulty by me through ebay as soon as item arrived. Any more input from you guys?

Thanks for your help that's ace, I'll send that out tomorrow. So given the response (or lack of) from seller so far and ebay's reluctance to help how would I go about taking things further should I not get given the refund?

Yes was a buy it now. They have an ebay shop although I can't see them listed as a power seller. Their user id is tfrallyesport I just think they were cheeky in sending it out and why would Royal mail return it? Could be a royal mail error, but surely ebay should do something before I pay out yet again? I've double checked the post code and address details and they were exactly what the seller had provided.

I bought a car brace which is basically designed to stiffen up the front of the car. Item arrives and instead of being a solid brace, it's broken and is being held together by clear tape! The seller is a car parts specialist so I'm sure they are aware it's not meant to be like that. I emailed, they ignored. I raised the problem with ebay and the seller agreed to refund as long as I returned. Items large so I didn't use a tracking service, but I got a receipt and insured the package. Three days later the item is returned to me by royal mail with a sticker saying 'Address gone away'. I inform ebay and the seller claims there is nothing wrong with the address. I called ebay and customer services sent me a blank email to respond to with proof that I had posted the item. I sent images and nothing more happened. I then contacted ebay yet again and they asked for a tracking number and to send the item back. I tried to escalate the claim and ebay refused to refund me as the seller has agreed to providing I send the item back? I'm at a loss. Item was 100 quid, return via standard parcel was 9 pounds and to send recorded was 18 pounds!!! It's money I won't get back and royal mail claim it's not a valid addy so I can spend more and not get it back. Is there anything I can do? I feel ebay are less than helpful and unfortunately I used paypal funds and not a card so I can't even claim from the card provider.

I stupidly took out a contract this time last year through the Phones 4 U shop. Orange 18 month jobby, with a Nokia N85 handset. The screen became faulty two months in so was returned to store and they sent it off. Two weeks later it's back in hand fixed. Well the screen issue was fixed, but the sofware bugs remained and they also managed to get dirt inside the screen of the phone. I couldnt be bothered losing my phone for more time so left it. By month 11 the phone glitches were getting serious so I decided to return it for repair before the warranty expired. It was sent on the 13th of November and I made a list of all the faults that I wanted addressed. They offered me £100 for the phone if I took out a new contract £35 a month over 24 months!! Told them where to stick it. Anyway phone was sent off to the repair centre and I awaited a response. I tracked it's progressed online and decided to chase up Phones for you as the date of return kept being pushed back. I asked for a new handset as they didnt have the parts and it was looking like they would get to the 28 day mark (after 28 days they consider giving you a new phone). Anyway many phone calls later my phone appears despite them saying the parts out of stock. This week I get my phone back. It's got all the bugs it had before and NEW damage. The inner lens of the camera is visably damaged and the camera is unable to focus properly. It also won't use the memory card and shuts down when I plug it into a PC, keeps displaying connection error messages during calls and all sorts of other bugs. I've contacted phones for you and they said via email I'd need to send it off for a replacement. I said I would need confirmation of time scale and a promise the handset would be replaced with the same model or a newer nokia that is the equivalent spec as the one I had. They havent replied. I called the customer service number and they say the guy I need to talk to will phone me, but he never does. I've asked for his direct line and they say he does not have one? I know he is in the office as they told me they could see him. I'm at a loss the phones wrecked. I do mobile phone repairs and I'm sure the main board is a fault and I'm pretty certain the repair centre has just taken the board from another damaged phone and chucked it in mine. What can I do? Orange don't care, already tried them. I've tried in store they direct me to customer service. Customer service direct me to the repair centre customers services who fob me off and promise to call back.