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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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Compensation


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I have claimed my charges back and it paid off a loan taken out due to the

charges this happened when trying to expand a company we specifically asked for a sblgs finance but was forced into a loan and sneaky ppi ,

i have raised a complaint with the fos

The compensation disclosed on the fos site is very vague and the amounts poultry to my distress ,

but the actions of the banks compromised the future of the biz and i would like compensation

but how

Do i work out how much and has any one been successful

 

I m prepared to take it past the small claims court and would love to be a test case but i need advice on where to start.

 

 

 

PLEASE ANY ADVICE OR DEBATE ON THIS SUBJECT .

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it would appear that is already much in debate read Reddeath post - its very interesting and has generated some very interesting debate a lot of it pertains to CI however some of it discuses compensation ( although not in that term ) for upset / emotional , financial etc...

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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Hi Judi,

I am looking into claiming compensation back, but it does not seem an easy task. You need to be able to quantify the damages and that can be well, quite challenging.

My idea is to compare my pattern of bank charges against my credit report to try and find some trends. At present I have been thinking too much about CI to be able to do this properly, but I have but my bank charges in a spreadsheet and looked at them on a month on month basis for the last 5 years. It does make some interesting reading. I would also like to compare the percentage of charges against what my wages were at the time.

 

Also when I was overdrawn the bank would tell me I could extend my o/d only to have that declined. Then they would offer me a loan, and have that declined as well making me to go to sub-prime lenders with higher interest rates and so on.

 

I would like to see if there are any patterns emerging. i.e. high bank charge and opening of a loan, however this may take some time and effort and I am not so convinced that I can raise a valid arguement. Well, let me re-phrase that, I can prove the financial difficulty they put me under, but quantifying it is challenging.

 

So...just a few thoughts. Don't jump into it head first. It is easy to get carried away by emotions (i know). My feelings at the moment are that this is very difficult and maybe not worth it.

 

Drop by me thread and have a read. Butterfly...stop by and say hi.

 

As for the ppi you should be able to claim this one back as it appears to have been missold, and you can claim back interest on it.

 

As for taking this further if you end up outside a fast track then you are liable for charges which can run into thousands. Think long and hard about it. I am.

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Thank you for your advice and its something to get my teeth in and explore ALL possibilities

 

 

 

 

good luck reddeath with the crappi lloyds my fingers are crossed for you .

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Actually I was having a think about this one on my way in to work today.

As the sum is quite low you would not incurr costs if you lost, so you might as well go for it.

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As the sum is quite low you would not incurr costs if you lost, so you might as well go for it.

 

 

Thank you .

 

i was except from court fees for my charges .

 

What is the max figure to be applicable for no incurr costs

and if it gets to fast track are the costs if i lost telephone numbers ?

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I belive the limit for fast track cases are £5000.

Not sure what you mean by "lost telephone numbers"

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Bear in mind the £750 limit only relates to the advocate's trial/preparation costs, there's also a possible further £250 trial costs if the winning party's legal representative is in court and the court thinks it's reasonable that that representative can attend.

 

In the fast track the other costs are assessed on a summary basis but aren't capped in the same way, so there could well be other costs to pay on top of the trial costs.

If in doubt read the

FAQs

 

If still in doubt - ask!

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