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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Paintball vs NatWest**WON POST OFT**


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:eek: .......... sussed again!!!

 

Don't worry sweetie............ I'll divorce him for you!!!!! ;)

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Oh blimey............ even I'm getting confused now!!!! ;)

 

We're a long way from Texas toto .............. or was that Kansas??!! :D

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Sounds like a plan hun............ sack the rules............ nat west have!!! :D

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Yeeeeeeeeee-haaaaaaaaarrrrrrrr!!!

 

I'l have red please hun - and can I have a bit of glitter please???!!! :p

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  • 2 weeks later...

Hi folks, latest update for me with NastyVest:

 

Further to LBA which requested return of money plus removal of default and adverse markers, letter received which simply stated "Sod off, we're not changing our minds." No reference to default though ...

 

I have also sent letter requesting removal of defaults and adverse markers from my credit fileto NatWest Company Secretary and enclosed a Stat Notice. Well, I got a pretty rapid response to the latter, TWO letters in fact saying they'll look in to it.

 

So, they have the rest of the 21 days to resolve the default matter and I'll be commencing Court Action with N1 for return of money plus removal of default and adverse markers from my credit file.

 

Any thoughts or comments on this anyone? I'm not stuck but I like to know that people have some opinions and ideas on what I'm doing; it keeps me going...

 

P :) xxx

 

TRUE GRIT

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Painty, I think you're doing absolutely the right thing without a question of doubt. You've been incredibly reasonable with them - you've given them plenty of time to respond positively - you've explained that they're leaving you no option but to proceed with court action............. in short, you've done everything you can to resolve this amicably.

 

If they can't be bothered to comply and/or they think you'll forget about it, strikes me that they couldn't be more wrong!

 

Keep going hun........... you're doing an absolutely grand job! xx ;)

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Best of luck hun - fingers crossed for you! xxx ;)

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Sent letter today to Cobbetts requesting true copies of 1) Default Notice and 2) T&Cs and all subsequest revisions that applied to my old credit card pursuant to Pre-Action Protocol 4.6© of the Civil Procedure Rules. Copy also sent to my court. Hope they comply ... :rolleyes:

Thanks go to Steven4064 for his help in this matter:)

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Received from court today notice that Nat West have filed an acknowledgement of service on 6 Aug intending to defend all my claim; they have 28 days (until 3 Sep) to enter their defence.

 

Also received from RBS refusal to remove my default and citing Crowther Report on Credit of 1971. It disappears on 14 August 2007 anyway they state ... I will need to respond to this positively Hmmm??:rolleyes:

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howdy. I got my defence through today.

 

Exactly on the day it was supposed to be issued. So cobbets have either get there act sorted out, and sending on time, or they a just got nothing to do...

If this post has helped you, please hit the scales under my name. Thanks!!!!

 

"I would dig a thousend holes, to lay next to you. I would dig a thousend more, if I needed to"

 

www.incognito-photography.com

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howdy. I got my defence through today.

 

Exactly on the day it was supposed to be issued. So cobbets have either get there act sorted out, and sending on time, or they a just got nothing to do...

 

Hi BobbaFett

Any chance of seeing their defence please? You may wish to PM rather than put it on the open forum ...

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In all honesty Painty, its a joke. 5 pages of garbage, that is obviuosly a templete designed to cover every sort of case bought against NW.

 

Gimme a bit of time and I will type it up and send it too you, though it may take a while,

 

Oli

If this post has helped you, please hit the scales under my name. Thanks!!!!

 

"I would dig a thousend holes, to lay next to you. I would dig a thousend more, if I needed to"

 

www.incognito-photography.com

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Lol............ Cobbetts have about 3 or 4 'templates' that they use depending on whether you've:

 

a) got the standard 6 years worth of charges and you've filed via MCOL (they'll be embarassed by your lack of PoC and ask you to complete a CPR part 18 request for further info).

b) got the standard 6 years of charges but filed N1

c) gone over the standard 6 years and filed MCOL (see a above!)

d) gone over the standard 6 years but filed N1

 

They're so predictable you could be paid good money by pretending to be a psychic................. and 'predicting' what their defence will be!!! :rolleyes::D

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B they went B. easy job they have though.... although have a stay on my case though :-(

 

b) for me ...

That's rotten about the stay Bobba, are you going to write to the judge nicely and ask for its removal based on the fact that FSA are stating that this waiver applies to bank charges?

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