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    • whitelist - the same with mine....the battery had a mind of its own. i bought it for my Son...he'd shut it down and it would be completely off but the power light would either stay on or flash...also it wouldnt start properly, had cmos errors on boot and other stuff.   i bought it through HP store on ebay ..brand new. after 6 days of receipt i recieced an email from HP asking if i was happy...i returned an email saying no and that i want to send it back as it was faulty (basically the email served as a reminder for me to leave them good feedback lol...not as a geniune enquiry to actually make sure i was happy with as they didnt reolve the issue when i was not) after trying to sort it for a couple of months with HP not replying, not offering a solution etc i finally got passed tech support who confirmed it was faulty. i then had to return it to their factory. this is where its gets beyond worse...waited 3 times for parcelforce to collect - they didnt. in the end HP sent me a label which i had to take to the post office - not good as im disabled with a mobility disability. then they asked for my bank account number to issue the refund. they hardly ever replied to my emails and it took over a month and a half to refund me once they had received the laptop back. no explanation, no progress emails, no updates. i kept emailing them on a daily basis as no one would reply to my emails through the website, forum, internal email addresses and even phoned 3 different departments who basically had no idea what to do or what was going on and did not help...they couldnt even tell me when the refund would be issued, let alone why it hadnt been done already. on the forums theres other customers who've had to wait 6 weeks , 2 months , over 2 months etc...it seems as though HP like to with hold peoples money to earn interest on the money in their account. i spents days phoning and emailing them - even sent a recorded letter. at the begining i phoned citizens advice and they said i am entitled to put back into the same financial position as before i lost the out of pocket expenses ie: compensation for my time and recorded letter sent etc. ive started a martin lewis 'resolver' case with them and basically in a snotty reply they told me im not entitled to compensation which is contradictory to what citizens advice told me. i was just wondering if theres any .gov website or law/legislation that i could reply with and say "no your wrong - please compensate me"
    • LBC is here. Complete with a note showing a phantom payment. What to do next?
    • I suppose it doesn't make a massive amount of difference as Kev has never had the guts to do court - well at least not yet - but to me the number of cards played still needs to be reduced.  Given the OP has already referred to the "very busy and overflowing car park" in the appeal I'd refer to that and tell Kev to go and look up case no.3JD08399.
    • thanks ftmdave again for the help with letter. thanks lookinforinfo for the info, im glad i found this forum as its a great comfort and relief to know ive dont the right thing as i wasnt too sure at first. and good to know what excel are really like.   thanks guys.
    • Hello!  First timer on here, discovered this amazing site and threads on debt issues only yesterday. After never having a bad debt in my life, almost 2.5 years ago I was scammed by my now-ex partner who calculatingly manipulated me into taking out a bounceback loan, 2 personal loans and a credit card.  He took all the money via ruthless deception, every penny, as well as the car (bought with unsecured personal loan) and all my furniture, personal belongings and even most of my clothes as well.  I'd packed up my life to move to another part of the country with him, only to discover he'd scammed me and been clever about it, so he directed the removal truck to a location unknown to me (never saw my stuff again!), and car is registered into someone else's name.  All this happened abroad.  I have won a criminal case against him abroad and he has been given a custodial sentence (which he is appealing while on bail), but it is difficult to get financial reparation so I am left with over £40k of debt to my name in the UK.    I am in my mid-50s, and have no assets whatsoever, I still live abroad (renting) and cannot afford to return to live in the UK due to the debts and decreasing income. It's been devastating and I've been struggling enormously since it happened (Jan 2022).  I have been suicidal at times. I was making combined loan/cc payments of £1300 monthly for over two years, but I'm self-employed (sole trader) and my UK-based small business has suffered 70% loss of income since Oct 2023 due to changes affecting government funding for the market I provide services to.  My income is commission-based, and has reduced to an average of £1200 per month. As I currently live abroad (outside EEU), I am not resident in the UK for tax purposes and haven't been for more than 3 years (my work is done remotely outside the UK, even though my clients are in the UK and payment is received into my UK bank account).  That means I am not entitled to an IVA or bankruptcy options.  My only option in terms of a debt repayment solution is a DMP. I maintain a UK correspondence address (my mother's home) and use this for my bank account, loans, credit cards etc.  I have only informed HSBC (bank acc) and one loan company that I moved abroad and that the UK address is only a correspondence address (been scared of potential consequences of informing them, even though I don't know what they could be or if there would be any). My worst fear is being taken to court, bankruptcy, etc, and my bank account and income being controlled and all surplus income above basic needs being taken etc, when I literally have almost nothing in life at this stage and desperately want to try to rebuild my life somehow and have some normality again.  Perhaps even move back to the UK if I can afford to. I've contacted all my creditors except cc (it's an HSBC card so am concerned it would affect my bank account with them.  I also bank abroad with HSBC and have global-linked accounts with them).  All interest has been stopped on my loans since April (period of 4 months on two loans, 6 months on bounceback loan with Pay As You Grow option agreed).  Continued so far to pay at least minimum payment on HSBC credit card.  I spoke to PayPlan yesterday and they've worked out a DMP paying £289.50 per month for 11 yrs 7 months, with annual reviews - not signed up to it yet, and concerned about customer reviews I've read about them demanding double payments a year or so down the line and not making payments to the creditors for long periods, etc.  Frightens the life out of me trusting them with the limited money I have - I don't want to go out of the frying pan into the fire in terms of stress that could last years, going by some of the horror story reviews. Considering the DIY DMP option, dealing directly with my creditors myself.  But not even sure going down the DMP route is the best option.  What do I gain from doing that? Sounds like I will still end up with an arrears or even a default record on my credit file even with a DMP, and I will be paying money I really need to help me get my life back on track, especially as I don't even have a full state pension entitlement - would be better used to pay missing years into that, surely, if I do have some surplus?  Either way, with or without a DMP, I won't be able to borrow so how would a bad credit score affect me anyway?  Seems like it could be best to allow them to go to default in the hope that it can all be SB-ed after 6 years. At this early stage, I know I will benefit from advice here about what route to go down and pros & cons/risks etc of: a) DMP with PayPlan b) DIY DMP c) Going down the default route in hope of debts being sold to DCA and not paying anything further with result that it is all SB-ed after 6 years. Struggling to pay off the loans for the next 11 years @ £289.50 seems daunting and such a long time, when I really need every penny to restart my life, regain some dignity, restore my mental health etc... I hope someone here help me make the right decision at this point, before I've committed to anything or have paid lots of money for years with little dent into the loans.... Details : HSBC Bounceback Loan (unsecured):  taken Dec 2021, original amount £9000, 2.5%.  Currently owe £4950.  Monthly payment:  £159.  Not missed any payments, but agreed PAYG option in April - full holiday for 6 mths, restart payments at £73.00 in October, term extended to 2030. TSB personal Loan (unsecured) - taken Aug 2021, original amount £23,000, 9.2%.  Monthly payment £475.  Currently owe £14,550.  Missed 2 payments. Interest stopped since April, no payments offered or made.  Situation to be reviewed prior to default - which will be after 4 missed payments). Sainsburys personal Loan (unsecured) - taken Jan 2022, original amount £25,000, 8.6%.  Monthly payment £514.  Currently owe £14000.  Missed 2 payments.  Interest stopped since April, made 1 payment of £50.00 on 7 May (offered to pay £50/month until situation reviewed prior to default - which will be after 4 missed payments). HSBC credit card APR 18.9% - £6900 currently owing, continuing to pay at least minimum payment (£180/month), not contacted them so far. Applied for Starling bank account, as advised by PayPlan to have a separate a/c from my HSBC one as they would have the right to take money from my account to pay off my HSBC cc debt if I stopped paying that. Sorry this is so long and a big thank you for reading down to the end!  I hope the detail helps with advising me on best course of action and possible/likely consequences.      
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Bought my own lost watch on Ebay


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Hi,

 

My watch went missing off my wrist when I was out in Nov 2013. (Don't know if it fell off or was pinched).

 

I logged a report on reportmyloss as Merseyside police no longer log items such as watches unless specific criteria met.

 

I have regularly checked ebay to see if it would appear. This week I finally found it & won the bid!

 

The watch is definitely mine as it has a unique ID that matches the paperwork I have.

 

I have asked the seller how they ended up with the watch & they say they bought it off someone they used to work with.

 

I have explained that I have proof of purchase etc, but they have offered no refund.

 

Do I have anywhere to stand in trying to claim back the money I have paid for my own watch?

 

Many Thanks,

Danny.

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Hi

I suggest that you contact the police as this guy has sold 'stolen' goods. The police may visit him and get the name of the guy who 'found' it.

 

I say stolen as anyone who finds lost property should hand it in to the local plod.

 

Have you involved Ebay at all? They wouldn't like to be seen as condoning the selling of dodgy goods.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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In Anglo-Saxon legal systems – including England of course, the general rule is that once you own something, your ownership never ceases even if it is stolen from you. There is a Latin maxim for this –Nemo dat quod non habet - which translates to no man can give what he has not got to give – and which means that if you are not the owner of an item, that even if you pass it on to somebody else, that recipient gets possession of the item but they don't get the ownership of the item because the person who passed the item didn't have ownership to pass on.

 

I hope you understand this. I feel I have explained in a very clumsy way.

 

This means that the owner of stolen property remains the owner for all time.

 

Two exceptions to this are, if the item is taken to a jurisdiction which operates a different system, for instance France or Italy where if you buy something in good faith, even if it is stolen, then you also become the legal owner. This is not possible in Anglo-Saxon jurisdictions.

You will find that sometimes art objects are stolen either from Anglo-Saxon jurisdictions – or looted from South American archaeological sites – and probably middle eastern archaeological sites at the moment and then they are brought to art markets in Italy or France and sold to good-faith purchasers in order to take advantage of the legal system which allows ownership of an item to be transferred even if the item is stolen.

Once an item is purchased in one of these legal jurisdictions by a good-faith purchaser, it can then be safely traded all over the world because the legality of that transaction will be respected even by systems which use the Nemo dat system. Those art markets in those jurisdictions are great places for fencing stolen art and other cultural objects.

 

It is big business.

 

The second exception is where you lose something and you give up all expectation of its return so that it can be said that you have abandoned the item. The item then becomes ownerless. There is a Latin phrase for this as well – Res nullius – which means it becomes a no thing. At that point, whoever finds the item then becomes the legal owner. It can then be traded legally anywhere in the world.

 

I don't know whether you wanted all of this technical information. It can become very complicated – especially if one is dealing with items lost in a shipwreck or items which are discovered by metal detectorists in a farmer's field. It is also a very important area of law when dealing with the successors of Jewish victims of the Holocaust who had their art and jewellery looted by Nazis during the war.

 

Anyway, in principle you have the right to assert ownership to this item subject to your be able to provide proof. The person who sold you the item would in turn have to recover their money from the person who apparently sold it to them.

 

You could contact eBay – but you can be certain the eBay won't want to get involved. It is far too technical for them and you will probably find that they can't be arsed.

 

It may also be technically difficult to assert your right. You would have to sue the seller for conversion under the Torts (Interference with Goods) Act – and add an alternative claim for breach of contract. The breach of contract would be that the seller failed to pass on the ownership of the item to you because it was already yours.

 

You need to consider what is the value of the watch. You haven't told us. It would be interesting to know.

 

Do you have all the contact details of the seller?

 

It is a very interesting story and we would be very pleased that you keep us informed as to what happens here. We will help you as much as we can.

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There is also a joke about a judge who became so drunk that he was unable to perform his duties as a husband on their wedding night.

 

When his wife complained about the quality of his performance, he pleaded –Nemo dat quod non habet. (See my translation above in order to understand the joke)

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There is also a joke about a judge who became so drunk that he was unable to perform his duties as a husband on their wedding night.

 

When his wife complained about the quality of his performance, he pleaded –Nemo dat quod non habet. (See my translation above in order to understand the joke)

 

Nope, didn't get it [not in the biblical sense] needs some expansion :lol:

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Ha ha, interesting read BankFodder, thanks.

 

For info:

 

My watch was £995 when bought 6 years ago (not mega bucks but a significant amount to me & missus - my wife had saved up for it for my 30th birthday).

The watch is now discontinued but is still sold on couple of sites @ £795-£895 new.

 

I have bought back off Ebay for £198

 

I have since contacted the seller couple of times:

 

q.) to ask if she still has contact with person who sold it to her a.) no, the last time she saw her when was when they were working together.

q.) could I have her name & place where they worked together a.) no reply as yet

 

I will post updates.

 

Cheers.

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Update:

 

After no reply I re-asked the question this morning.

 

Just had a reply from her boyfriend who says she panicked last night & made up the story about buying it from girl she worked with.

 

What 'actually' happened was he bought the watch from a bloke who used to drink in his pub. The bloke apparently took his address & said he would send the paperwork so he had no idea it was lost or stolen.

 

He would gladly meet me to discuss :!:

 

Still no offer of refund though!

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If you paid by Paypal just wait and open an item not received case. As they dropped it round they won't be able to prove shipping and you will be refunded. Job done!

 

Sorry but this is an extremely bad idea

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I'm using a phone at the mo.

Please monitor this thread for a fuller advice tonight.

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Update:

 

After no reply I re-asked the question this morning.

 

Just had a reply from her boyfriend who says she panicked last night & made up the story about buying it from girl she worked with.

 

What 'actually' happened was he bought the watch from a bloke who used to drink in his pub. The bloke apparently took his address & said he would send the paperwork so he had no idea it was lost or stolen.

 

He would gladly meet me to discuss :!:

 

Still no offer of refund though!

 

If he bought it at significantly below market rate, then a court could conclude he had reason to suspect it was stolen, else why else would it be so cheap, and "off a man in a pub".

If he had reason to believe it was stolen, he could be convicted of handling stolen goods.

The girlfriend might also : she might claim she didn't know, but she certainly knew once she 'panicked', for why else would she panic?. She didn't have possession of the goods at the time, but she did (does!) have the money that you paid.....

 

Go to the police. They can investigate it properly, and ensure you get your money back (and keep the watch!).

 

However, did you claim on any insurance? This might complicate things as the insurers would become the new owner, and you might now be in possession of stolen property (although you can't steal your own property - the watch was originally yours, but would now belong to the insurers!)

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Bazza is technically correct that if you made an insurance claim and they paid out its full value to you then normally ownership of the watch transfers to insurers and if you find it again it's theirs. In practice it's highly unlikely they would want the watch, especially as you want to keep it, but insurers would want the amount they paid back. Not telling the insurers could potentially be fraud.

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All sorted now. They guy says he paid £150 for it off bloke in the pub.

 

After a bit of tooing & froing, I said I'd accept £150 refund which has just been posted through my door.

 

Still feel a bit aggrieved that it cost £48 to get it back, but well worth it for sentimental value & considering I didn't really think I would see it again (14 months missing!)

 

I had a voucher from insurance company which I never spent so I will just get them to cancel it. Out of curiosity - will this enable policy to revert back to no claims? (Have never claimed on for anything else).

 

Thanks all for your input.

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goodo.

but, did you get the police involved? this seller might be in the habit?

as bazza points, 2 limbs to handling.

 

maybe, if you never went ahead fully with claim. but, if they've sent that out in settlement of a claim? cld ask them.

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