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On the 10.02.16 I received this : (thanks for not letting me insert a photo, guys, that's a great help, please see attach.) I fired back a defense: ---------------- Of course I simply copypasted the above defence from this forum and assumed that a CPR and a Sec.78 request were one in the same thing. Further reading of this forum informed me that they are, infact, two quite separate and distinct beasts. As I say in my defence , I submitted a CCA on the 21.01 to which they still haven't replied, choosing instead to go to court whilst i waited for them to get back to me. So I seem to have submitted an incorrect defense. What would be the best course of action for me to take? Send in a belated CPR? Not kick sleeping dogs? Write to the court and apologise profusely for my misleading statement? Any advice gratefully accepted, I am well and truly out of my depth with the 'waters' of the cloaca lapping my nostrils.
I advertised an item on ebay but the winning bidder changed his mind and wouldn't collect I had to re list it at the same time I complained to ebay about the situation and got a reply back, so they knew the situation I was in. I re-listed and sold it and got paid, however when my statement came it showed they'd debited my Santander credit card for the first time the item was sold but not paid for/collected I contacted ebay but they said I was out of the time scale for a refund and to claim on my credit card which I did. I put in a section 75 claim with Santander CC and they rejected it. Help what can I do as I thought I was covered using my CC.