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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Paypal help - them and the law


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Hi Guys,

I wonder if anyone can give me any advise please.

My girlfriend bought a mobile phone off ebay.

The phone turned up, it was locked to the three network - not advertised as locked and had three branding all over the phone - not shown in the photo or mentioned in the advert. The phone was advertised as pay as you go - no sim was with the phone or instruction on how to make it pay as you go.

 

We contacted the seller who said it was our responsibilty to check what network the phone would run on, again in the description on ebay the 'sim lock' status was blank and no mention of networks anywhere. He refused to give us a refund even though he admitted that it was his mistake that he didnt mention the branding and sim lock but smugly said "i think you'll find that ebay/paypal will rule in his favor"

 

The advert stated that if the phone was not as described, he would pay for the collection and give a full refund.

 

We have just got an email from paypal ruling in his favor - surely this cant be correct?

 

 

Thanks guys

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Paypal are a waste of time for disputes like this.

 

Is it a private seller or a trade seller (i.e. someone selling many items on a regular basis)?

 

Also, how much did you pay and did you use a credit card to fund the payment?

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Over what period has he sold 50 phones? Sounds like he's a trader to me.

 

In which case you should complain to him that the goods are not as described or fit for the purpose. Under the Sale of Goods Act the seller is liable for this. Advise him that unless he agrees to offer a refund you will take him to court.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I did that over email about 4 weeks ago, he started going on about admiring me for my beliefs but its just that his beliefs are different from mine and that paypal/ebay would decide.

I quoted the trades description act, he obviously thinks Law does not apply to items sold on ebay.

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I don't really know much about paypal, I sent them a scorching email yesterday in reply to their conclusion. they thanked me for the new information and said they'd investigate further. I did not supply them with any new information, just stated the facts again.

It just seems to me that ebay is full of people selling crap and getting away with it.

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As you paid by credit card, go to them and reclaim your money. It is over £100 so

they are bound to refund, though you might have to push them.

:( didnt pay by credit card unfortunately

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Guest ian cognito

There was a guy n our loca radio from e-bay this week (I was gobsmacked that they'd agreed) and he was ever so convincing about their Item Not As Described process and told the presenter she would get a refund if she went through the process!

 

My nephew sold concert tickets, the DAY AFTER THE CONCERT the buyer said he hadn't recived them and paypal gave him a refund from my nephews account even though they had been sent recorded delivery - what hope?

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ive had terrible trouble with ebay, they have held about £13.00 of my money prepaid charges on a store that i closed and they wont refund it, they are not interested. I try to stay away form ebay as using it is only letting them continue to trade the way they do, and in the event i have no choice i will never spend more than £20, its not worth the risk. I now do all transactions by postal order or cash even when selling.

 

Sorry to hear of these problems, im sure if the banks can be whipped into shape then eventually ebay can be.

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I did that over email about 4 weeks ago

 

Put your complaint in writing to him, give him 14 days to refund your money and if you still don't have any joy then take him to court.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Report him to the tax and vat offices. I bet hes a trader selling on the side and not declaring the income or paying the vat (but I expect he is reclaiming the vat on his ebay costs). If he is a private individual he has a part time business that needs declaring. Let him know you intend to make these reports if he doesnt pay......that will worry him. Oh, make the reports either way.

Its WAR

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Was the phone brand new?

If it was i would also report thsi bloke to the network provider, i'm sure they woudl be interested in him dealing in phones.

 

You will get no joy from paypal or ebay they do indeed operate as they fit and usually to the innocent parties detriment.

I love the smell of banks coughing up refunds first thing in the morning.

 

HSBC, they tried they failed, they coughed up in full

To all the others beware i am heading your way next.

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  • 2 months later...

You'll find that Ebay and Paypal are are totally useless at sorting problems and always look at a sellers point of view when making dispute decisions.

 

I recently got a 'Strike' over non-payment when the seller would not provide an address for me to send payment. He had a dispute for non-payment by me and Ebay would not even listen to me that i have no where to post payment.

 

Unless you have a verified and confirmed Paypal address, you do not have insurance to claim back any payments.

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I have to say they are useless even to sellers when disputes arise - i currently have a complaint with the Financial Ombudsman as they took money out of my account after a buyer said they didnt receive the item even though they did and it was sent special delivery!!!

 

Useless - totally stupid and just generally unhelpful!!!!!

 

Nathe

-----------------------------------------------------------------------

UNTIL MY CASES ARE RESOLVED/WON IM GOING TO KEEP MY SIGNATURE BLANK AS IM AWARE THE BANKS TEND TO TRAWL ON SOME OF THESE FORUMS AND AS MY CASE IS A LITTLE COMPLEX IT WOULD BE EASILY SPOTTED

 

DONT WORRY - THE INFO SHALL RETURN ONCE THE CASE IS RESOLVED/WON

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The only sticking point I can think of is this.

 

In order to have a misrepresentation, you first have to have a representation.

 

Therefore, omission of information is not a misrepresentation.

 

Had he said "phone unlocked to all networks", this is a clear misrepresentation. However, simply giving no information about the phone's status is not the same thing.

 

The photograph is the only thing I think you can really rely on here.

 

By the way, I agree that if he is selling that number of items which are clearly not his own personal things, then he is a trader.

  • Haha 1

Please note I'm not insured in this capacity, so if you need to, do get official legal advice.

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