johnym
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Past savings and current ESA claim - possible mistake?
johnym replied to johnym's topic in Benefits and HMRC
Hi, thanks for all the responses. I was waiting to update this until the interview happened. I was there on Friday with my friend and it was more or less a Joke. The interviewer didn't know what he was doing basically. Apparently because she is now on a means tested benefit she was flagged. He actually didn't know that IB was not means tested - he thought it was but couldn't be bothered to find out (his actual words) from what I understand incapacity benefit was never means tested at all and we've confirmed that during the time she had her savings she was on IB and the period he was really interested in was towards the latter end of her having the money with less than 6k in savings. The interview was pointless in my eyes, days of waiting and worry for 30mins of pure BS. He took copies of some of the statements and that was it, it goes off to a decision maker and can take upto 9 weeks. -
Past savings and current ESA claim - possible mistake?
johnym replied to johnym's topic in Benefits and HMRC
Hi, Thanks for the replies! Apparently when my friend phoned up and enquired what the interview was about she was told something about a match between two databases regarding her savings so bio might be onto something. She has the statements for period in question but no paperwork for the improvements made to her home, she has some invoices but they could be for anything as they lack pretty much any detail and are all (badly) hand written. To me it does look slightly suspicious if I didn't know the full picture, £8000 being withdrawn over a 8 week period and a further £5000 in dribs and drabs the following year but what I fail to see how this would matter seeing as her benefits at the time were not means tested. I was told she did enquire before the money was paid out and was told it would have no impact on what she received in benefits but this is obviously not the case. She has told its nothing to worry about but she might have been overpaid during the time she had the money and might have to pay it back. -
Hi Just looking for some advice for a friend. A friend has just received a letter to attend a compliance interview and she's worried big style - its NOT an interview under caution. Four years ago she received some inheritance that took her close to the £16000 mark but not over, she was on incapacity benefit at the time and she was told the savings would not affect her benefits - pretty much all of the money was spent on adapting her home. She was moved to ESA last year and then onto income based ESA a few moths back and her savings have been pretty much zero since 2011. The Job Centre now want her to provide bank statements for the short period she had the inheritance in her account four years ago. She has spoken to welfare rights and they didn't know why she would be pulled in for that as the benefits she was receiving were not means tested at the time. They suggested that she may have been on some smaller component that was means tested but she has every letter ever sent to her regarding benefits and she has never been on anything that was means tested. Other than that it could be a mistake on their part. Has anyone else been through a similar situation?
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I wouldn’t want to put anyone off selling on ebay, including you Dotty but as a private seller you have to be really careful what you list and how you list it. Selling on ebay is like walking a tightrope these days and it doesn’t take much for you to find yourself ripped off or banned for life from selling (thanks to DSR’s) because a couple of buyers didn’t like the fact you charged for postage.
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I used to make a killing on ebay and I enjoyed it. I had no real issues until 2008/9 when I closed my ebay shop after a number of nasty customers, PayPal chargeback’s and false INR’s. I do sell privately now and again but I can’t remember the last time I sold something. I agree, given how much they now charge in fees it’s not worth selling anything anymore. Then you have the hassle of dealing with awkward buyers trying for a partial refund, threatening you with low DSR’s, nitpicking, messing you around etc plus the ever increasing risk of fraud. Good article in the guardian today about ebay fraud.
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Ah well if they’re paying for it that’s not too bad even if it is YODEL. Powercool, I would imagine they’re a generic brand that doesn’t offer a 2-3 year warranty so your only avenue is going back to Ebuyer unfortunately. I have no idea if it’s legal or not but on items over 12 months old I wouldn’t expect a full refund anyway as you’ve had a full years use. It’s there stance on returns over 6 months but under 12 months that gets me and the lies they tell you over the phone. Yes no problem, we’ll replace it only for them change their tune once they receive your return and fob you off with a proportionate refund and a link to their T&C’s. They’re a particularly unpleasant bunch to deal with. I would brace yourself for an insult of refund. I know of one person who returned a Corsair power supply last year, it cost £35 new in 2010 and he only received £10.82 back from ebuyer. If your after a decent replacement, I highly recommend XFX power supplies, I’ve used their core editions in a number of builds and they all been rock solid, some being used into their 3rd year. PRO450w is only £35 at dabs and they have a 5 year warranty.
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With regards to the packaging it’s just ebuyer trying to be awkward and make things as difficult as possible for you. Just return it in any box you have with packaging to protect it. Remember to send it tracked so ebuyer can’t say they never received it. Is the power supply branded, i.e. XFX, Coolermaster etc as it might be better dealing with them directly and have the power supply replaced. I’ve never known a power supply manufacture actually repair them, usually they just swap them for either a new one or a refurb. Ebuyer will not attempt to repair it, they’ll just issue you a proportionate refund which will be far, far less than 2/3’s and depending on what you paid, including the cost of shipping it back to them it might not be worth it. Just some things to consider. There are a few recent threads on here discussing this issue. Never trust ebuyer, especially what they tell you over the phone.
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Ah well your one of the few asking before bidding, it’s usually the other way round. So there is no excuse for the seller messing you about regarding your refund. On my listings which are always created from the same template I state: Top of item description: “Collection only item” After description: “Payment on collection only, this item is for collection in person from *my postcode* No Courier collections” All in large font red letters you couldn’t miss. But still people bid and want it posted or want a courier to collect, only asking after they’ve won. It’s very annoying and I gave up listing collection only items on ebay and moved to Gumtree. Ebay indeed pull listings if the seller includes terms such as “No PayPal” etc and sometimes they even pull listings that ask for cash on collection, sellers have to word it very carefully.
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I wouldn’t be too hard on the seller in this case, reading the first post it seems they bid on a collection only item and they live nowhere near the seller. I’ve had this happen to me numerous times, people saying they didn’t realise etc and they will send their own courier and it can be a right pain when they expect you to wait in for a whole day for their courier to collect and pack it for free. It’s an even bigger pain when they take the huff when you quite rightly say no and leave you negative feedback. PayPal on collection only items is a big no-no for sellers as they can’t provide proof of delivery in the event of an item not received case leaving themselves wide open to all sorts of fraud. As stated above sellers have to offer PayPal on all listings but ebay also advise against accepting PayPal payments on vehicle sales and collection only listings. Also if the seller was to state “PayPal not accepted” on their listing ebay would remove it. Worst case scenario, if the seller doesn’t refund your PayPal payment you open an item not received case and ebay will refund you, simples.
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I’ve had to upload scans of driving licences, Passports etc to PayPal on numerous occasions by logging onto PayPal directly, it’s safe but DO NOT USE LINKS IN E-MAILS. It might be because you’ve sold two high value items in short space of time. Also if it’s something you don’t normally list ebay may think it’s a hijacked account, or if you’ve been selling a lot of new items, designer clothes for example on a personal non business account. There are lots of triggers for account limiting and or reviews. All you can do is complete the verification process and wait.
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Not much you can do to be honest. You could remove all cards and bank details from your PayPal account so Ebay can’t take their payments but they’ll then send a mickey mouse debt collection agency after you to recover their fee’s. They will suspend your ebay account but I don’t know whether they’ll also limit your PayPal account at the same time. But seeing as you want to keep your PayPal account in good standing you can’t really do this. Have you spoken to ebay’s call centre in the Philippines or Ireland? Irish customer services are far more helpful.
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In all honesty for the amount I would just let it go and enjoy Elysium. I know of someone who did the same thing, well their son did multiple times and Sony didn’t want to know. You could go down the chargeback route but I’ve been told if you do that play station network will ban you and possibly your console from using online services. At the end of the day you let your child play with your PS4 controller and the machine was left in a state where it was easy to make purchases without logging in. IMHO Sony is not the party at fault here.
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Chargeback’s or even just the threat of one is a good weapon when it comes to dealing with Ebuyer. Also when you phone them on their premium rate phone number as part of the RMA process (10mins on hold usually) tell them your recording the conversation. They are very underhand when it comes to dealing with returns especially over 6 months old so play them at their own game. They often tell you one thing and then actually do another, in the end all roads lead to the buyer being left out of pocket. A quick look on some of the review sites will tell you as much, hardware forums and even Ebuyers own forum are full of tales of discontent. It’s especially bad when you buy hardware with a 3 year warranty and it goes bad after say a year. You call the manufacture and they’ll tell you to go through your retailer for a replacement. Ebuyer will initially tell you no problem, sent it in and it’ll be replaced. But, once they have it they’ll change their tune and say as per their T&C’s you’re only entitled to a part refund minus how much use you’ve had from the item. You end up with a small refund and no replacement. Ebuyer then return your item to the manufacture for stock credit and receive another unit they can then sell at full price. They’re not a very nice bunch at all.
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Apple - iPhone 5s
johnym replied to red-ed's topic in Retailers - High Street and On-line Stores Forums
I’ve had this with Apple regarding an iPad. After 2 months I would want a new replacement, not a refurb. Seeing as Apple are not playing ball change your request to a refund and not a replacement. You might be able to source a replacement cheaper elsewhere. Their refurbs are better than most though, the casing is brand new it’s only the insides that are second hand. -
Ebay will not want to know now the seller has supplied tracking information that shows the Bed being delivered. Your only course now is to either take it up with the seller or the courier, though the courier company will probably not deal with you seeing as you’re not their customer. Have you spoken to the police? There has obviously been a theft so try and get a crime reference number, inform the courier there is police involvement and then see what happens. It’s a little bit odd the seller who knows you didn’t receive your bed is asking you if you want spare parts or a partial refund. That being said they did send the bed tracked and supplied the tracking information so you would know when to expect it so they’ve done everything by the book. The fault lies with the courier in my opinion, leaving a delivery out in the open clearly visible. I bet the courier just signed for it himself and there was no guy on the drive.
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Just a comformation
johnym replied to mascomp's topic in Retailers - High Street and On-line Stores Forums
In the worst case scenario I would offer them a proportionate refund on return of the laptop, a refund minus 3 years of use/depreciation. Knowing how much laptops depreciate this refund wouldn’t amount to very much. There was a thread on here last year, someone was dealing with Dell regarding a laptop. They were on their second, the first one replaced FOC with a brand new machine, the replacement went faulty after a couple of years and they wanted Dell to replace it again with a new one and this time Dell refused and only offered a small partial refund minus 5 years use (from the date of original purchase) -
The parcel being signed for complicates the issue. As far as ebay are concerned it has been delivered and signed for. A chargeback won’t help, all the seller needs is proof of postage to successfully defend a chargeback and seeing as they have tracking with proof of delivery you have little to no chance. Your best off working with the seller and trying to work things out, it’s the best chance you have of obtaining a refund.
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Ebay and PayPal can do what they want when they want, recently it’s been the mass cull of private sellers and even some medium business sellers. Usually if you’ve had your PayPal account frozen including funds held within you either have to provide some proof of identity and they’ll release it or you’ll have to wait a few months, 180 days rings a bell for some reason tho I might be wrong. It would be pointless fighting ebay, you can always decide not to pay your fees but ebay will pass the debt onto a third rate DCA who’ll send the occasional threat letter which can always be ignored. Be careful though, accounts associated with your own, even if you’ve logged into ebay on someone else’s computer or vice versa, ebay will link accounts and ban the lot.
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Personally I don’t think you’ll get very far with this. I know it’s not right but the amount of time and effort involved in pursuing this may not be worth it, at most assuming everything goes your way, you might get the money to unlock the handset but as for costs you incurred being deprived of your iPhone and compensation for the inconvenience I very much doubt you’ll get far as they could say there was nothing stopping you using your sim card in another handset.
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This is far from simple, the op cannot 100% be certain or prove the phone was unlocked before he sent it in. The company technically hasn’t damaged it, as has been stated they probably put a Sim card in it to thoroughly test it before returning it. If it were me, I would have tested the phone myself before sending it in, make sure it was fine before paying £xx amount to have it customised. Was the phone a sim free handset purchased outright or an upgrade?
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I never knew CPW supplied iPhones did that! Tricky one this but are you sure the phone wasn’t sim locked before you sent it off? You say it locks itself to the network of the first sim card that’s installed, going by the info you’ve given you never tried your own sim card in the phone before you sent it off. You can’t prove or be 100% sure it was unlocked before you sent it.
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You can’t name and shame on the Ebay community forums that’s why you probably had your posts removed. Anyway it’s quite a hostile place, a few of the regulars will pick away at your listings, t&c’s question whether you’re a really a private seller or a business seller in disguise, completely ignoring the issue you posted about. Sounds like your buyer has opened a dispute and PayPal have frozen their payment pending the dispute outcome. If they don’t respond to the dispute or don’t return the item (tracked) within a set time the dispute will time out and PayPal will give you back the money. Whatever you do DON’T escalate the dispute yourself. Sometimes Ebay/PayPal (they’re one and the same) will issue a no fault refund, refunding your buyer from their own pockets. If your buyer has received a refund from your PayPal account and they have not returned the item phone customer services and inform them of their mistake.
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Tesco Direct bait and switch – wrong item delivered
johnym replied to johnym's topic in Online Stores
I’ve just had a quick look and they’ve removed all but two of their TV’s, you can buy them from the likes of Trove etc but Tesco themselves aren’t selling them. Seems they’ve had a huge mix-up. It’s a mistake, at worst I can take it back to a Tesco Store for a refund but it’s not the point really. Slim chance of getting them to replace it with what I thought I was ordering, there is a £170 difference but I’ll see what they say lol. -
I was perusing Tesco Direct the other day and ordered a new TV, I ordered (or so I thought) a 47inch LG 3D TV but today I received a 32” LG 3D TV and a completely different model to what I ordered. I went back and had a look at the listing and found it had been removed, I then checked my order history and found the 32” TV is what I had actually ordered and not the 47” the listing stated. I have a habit of printing off order confirmation sheets and web pages so I had a look, sure enough they both say 47” and are for a completely different model to what I received, my conformation email and dispatch email also state 47” Just wondering if anyone else has been in a similar situation, I haven’t contacted them yet as I’m at work but I would quite like to receive what I ordered so are they under any obligations to supply what I ordered? It might be a mistake but it seems pretty sneaky and how it was not spotted before it was dispatched is anyone’s guess. It wasn’t ridiculously cheap either, no £49 iPad job lol it was around £170 less than other retailers so I just thought it was reduced.
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John Lewis Mistake Refund & Bailiffs
johnym replied to nicksc1's topic in Retailers - High Street and On-line Stores Forums
Just noticed this one, seems odd the op didn’t query the extra £660 they found in their bank account, if it were me id like to know where it came from and I defiantly would not have spent it. Given the odd amount they would have known where it had came from and that it was a mistake. John Lewis is one of the more reputable retailers around, I think this is the first JL thread I’ve seen on here. Seems the OP was hoping they wouldn’t notice, they took advantage of JL’s mistake and are now panicking as they have to pay it back. I think its wrong for the OP to pay it back at £1 per month, they should either cough up the full amount or return the washing machine. Just my opinion.
