So I see that there is a category which is called "items requiring more information" and that category includes car parts.
Presumably when you bought the insurance you provided more information? Or you gave some description? Or are you assuming that your consignment was in the "no protection category"
someone signed up to to MS/xbox live using that debit card, when they did, they agreed to it's continued use.
same as say using one to pay paypal on ebay purchases, within their T&C's they state it sets up a CPA.
I would also suggest that as the instances of such complaints to xbox live dropped of the radar dramatically sometime back, their T&C's must have changed to clearly stating there is a pin to prevent such in game purchases.
you need to carefully look at when the card was 1st used with microsoft and for what purpose and what it actually signed the cardholder upto.
I am not a seller. This was a store return, using a label I purchased directly from MyHermes. It took me so long to notify them as the store never informed me they didn't receive the return.
I will upload the claim form I just don't have access to a computer right now. I didn't mention section 72.