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    • 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 Actionfraud 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  
    • It'll be something to the effect of:  "I am in receipt of your letter before claim.  I was awaiting a passenger as a licensed cab driver on the Locton estate who subsequently cancelled the pickup after me waiting a while and will fight this in the small claims court if necessary. Plus I have friends who are experts in contractual law and make it their business to defeat these spurious PPC claims.  So issue the claim form or go forth and multiply, up to you"
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Responding to your PM DOlly

 

Nothing in the above to be concerned about....until they can source the agreement...its going nowhere.

 

Regards

 

Andy

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Responding to your PM DOlly

 

Nothing in the above to be concerned about....until they can source the agreement...its going nowhere.

 

Regards

 

Andy

 

Thank you Andy. I truly appreciate you taking the time to respond. You confirmed what I thought. I think I'm starting to understand how all this works a little better now.

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Have unapproved your attachments in post

 

You have left the claim password visible and one or two other references that could identify you.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Today I have received the Notice of Proposed Allocation to Small Claims Track with a N180 form.

 

I'm unsure of where I stand now as I didn't believe they could proceed without the correct evidence.

 

They still have not complied with the CPR request or the original CCA request.

 

Can I have some advice please. A voice of experience would be a great help.

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Today I have received the Notice of Proposed Allocation to Small Claims Track with a N180 form. Part of the process

 

I'm unsure of where I stand now as I didn't believe they could proceed without the correct evidence. Yes they can...... disclosure follows allocation

 

They still have not complied with the CPR request or the original CCA request. CPR is a civil request and not mandatory CCA request is a legal request and if unable to comply within the 12+2 days then they are in default and prevented from enforcing the agreement or seeking any relief.

 

Can I have some advice please. A voice of experience would be a great help.

 

Simply submit the completed N180 by the date stated Dolly...yes to mediation and yes to small claims track...the rest of the tick boxes are self explanatory.....dont forget to send the claimants Sols a copy of the completed N180.

 

Regards

 

Andy

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Simply submit the completed N180 by the date stated Dolly...yes to mediation and yes to small claims track...the rest of the tick boxes are self explanatory.....dont forget to send the claimants Sols a copy of the completed N180.

 

Regards

 

Andy

 

Thank you Andy. Can they actually proceed with this, I mean is it worth their while when they have not complied with my CPR request or even the CCA request I made before they started with court action.

 

Do they not have to at least comply with the CPR request to be able to proceed.

 

The only paperwork they have attached to me is a reconstituted Shop Direct catalogue account showing money owed but to a catalogue called Index Extra, I never had an account with Index. The Notice of Assignment is also not something I've ever seen before and looks as though it was printed off and back dated the day they sent it out.

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Thank you Andy. Can they actually proceed with this, I mean is it worth their while when they have not complied with my CPR request or even the CCA request I made before they started with court action.

 

Do they not have to at least comply with the CPR request to be able to proceed.

 

The only paperwork they have attached to me is a reconstituted Shop Direct catalogue account showing money owed but to a catalogue called Index Extra, I never had an account with Index. The Notice of Assignment is also not something I've ever seen before and looks as though it was printed off and back dated the day they sent it out.

 

I have seen it on here before that mediation does not take place because the claimant has not provided the documents. Not your problem. BW Legal will see from your N180 form that you are happy to proceed using mediation.

 

Just see how it goes. They can try to proceed. If mediation does not work, they can request a hearing to be scheduled where they can try to make their argument.

 

When did you take out this catalogue account approximately ?

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I have seen it on here before that mediation does not take place because the claimant has not provided the documents. Not your problem. BW Legal will see from your N180 form that you are happy to proceed using mediation.

 

Just see how it goes. They can try to proceed. If mediation does not work, they can request a hearing to be scheduled where they can try to make their argument.

 

When did you take out this catalogue account approximately ?

 

Thank you for posting. I took the account around 2011/12

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Thank you Andy. Can they actually proceed with this, I mean is it worth their while when they have not complied with my CPR request or even the CCA request I made before they started with court action. The court will state when they have to disclose...thats the way it works...defence first ....disclosure after allocation

 

Do they not have to at least comply with the CPR request to be able to proceed. No.... its a civil request from you...they are not compelled to respond

 

The only paperwork they have attached to me is a reconstituted Shop Direct catalogue account showing money owed but to a catalogue called Index Extra, I never had an account with Index. The Notice of Assignment is also not something I've ever seen before and looks as though it was printed off and back dated the day they sent it out.

 

Well lets hope (or not as the case) they find the agreement otherwise they will have wasted further money paying the hearing fee without the agreement

 

Regards

 

Andy

We could do with some help from you.

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Well lets hope (or not as the case) they find the agreement otherwise they will have wasted further money paying the hearing fee without the agreement

 

Regards

 

Andy

 

Thank you. That helps me understand it a lot better.

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