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    • a chargeback via a paypal account used in an ebay sale doesn't usually result in funds being sucked from your bank account,  just that you attain a paypal negative balance. as you saying the money was taken by paypal from your bank account without you authorising this? or is it directly the buyers name that is shown? regarding the chargeback but either way you bank account HAS been debited? dx  
    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
    • moved to the debt self help forum. plenty of like threads here to read along with the ones you've done so far..good work. last thing you ever want to do is look at any kind of IVO/BK or anything alike concerning consumer debt, never do that, turns unsecured debts into secured ones in many instances. your best bet for now is p'haps looks at  Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk) sadly you have to go thru one of the free debt charities to invoke that but DON'T be tempted to also open up a DMP with them, just get the Breathing Space done. get that in place that gives you at leasy 60 days buffer you've also goto to realise you'll probably get a default once breathing space is in place, bit if not it might pay you to withhold payments even after BS then p'haps re start payments once a DN for each debt is issued and registered. at least that way, whatever happens in 6yrs the debt will drop off dx  
    • 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 Action fraud 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  
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Agreed £180 from deposit for repairs - which haven't been done


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Hi - don't know if anyone can help with this quick query.

Moved house about 2 months ago, and after some discussion, agreed with landlord to pay £180 for 1 x replacement carpet (with fitting) and £50 contribution towards another. A new tenant has now moved in and carpets haven't been replaced.

 

The complete replacement was due to a burn mark, and we were more than happy with the deduction - we would have organised the replacement if the landlord had agreed on the carpet type to be relaid. The extra £50 was a contribution towards replacement of another carpet which had a small stain on it, and due to other wear and tear, landlord decided he would also replace; and asked for a contribution.

 

We have been back to the property today, to pick up a package sent there in error. We were invited in, and i noticed that neither carpet has been replaced. The stain is still there, and the area where the burn mark was has been cut out and a new patch of carpet has been stuck in.

 

The repairs have therefore cost the landlord very little if anything at all - i'm sure the carpet patch was from leftover 'scraps'.

 

I want to know how to approach this - either with landlord directly, agent (who held deposit before agreed with TDS) or with TDS directly? Any suggestions please?

 

Cheers,

 

Tom

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I wholly disagree Planner.

 

Landlord is entitled only to his actual financial loss.

 

If the OP has been charged for a replacement carpet, and the carpet has not in fact been replaced, then clearly the amount deducted is not the actual financial loss.

 

I would write a letter before action, then proceed to small claims if required.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I would go one further and suggest deception here. You have paid money for a certain thing. In this case a new carpet. The money has been taken and the LL has decided to keep the money and apparantly bodge the repair himself. That is his choice, but now he has obviously chosen not to do what he charged for, he must refund the money. I would have no hesitation in taking him to court for it.

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If you complain, the landlord may opt to simply replace the carpet. He may claim the reason he didn't replace it might be because he was unable to organise a replacement prior to the tenants moving in, and that he will replace it when convenient for them.

 

While all the above might be rubbish excuses, it may mean that pursuing it through the courts could be a waste of your time and money.

 

You could try and negotiate. And in the end you could make sure that the new tenants are furnished with the evidence they need to prevent the landlord charging for yet another carpet if they should damage it any further.

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Just make sure the new tenants know so they the deal and they can either ask for a better carpet (as you've already paid your dues to achieve that), or use that fact in their defence when they move out, if the landlord claims more carpet repair related money.

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