I bought an item online 4/10/12. As I still hadn't received it this morning, I logged into my account on the sellers website to find that my order is still listed as 'pending'. I phoned the seller immediately and he stated that he had not received my payment. I paid through the seller’s payment processor ... Nochex. I paid on the 4/10/12. I immediately checked my bank statement online. The payment came off my account on 9/10/12.. . there's a payment reference number on my statement. I informed the seller of this and he said he'd check with Nochex re same. He got back to me later and said that he hadn't resolved the issue with Nochex. I told him that I wanted my goods to be dispatched today as I've paid for them and have proof of same. I said that I was more than willing to send him a screenshot of my bank statement as proof that the item had been paid. He didn't seem impressed as he said that he was still without the funds. I said that was between him and Nochex to resolve and had nothing to do with me. He said [begrudgingly] that he would post my item today. It's now 7.30pm and there's no change to the status of my online account . .. my order is still listed as 'pending'. What is the legal position on this? Surely the dispute is between the seller and his payment processor to sort out. I've paid in good faith. The money has left my account. Does he not have a legal responsibility to send my goods? Cheers.

Oh. Okay. Been on to consumer advice about an hour ago and was basically told to go back to whoever dealt with organising my bankruptcy for me, which was 'Money Advice'. Cheers.

Excuse my ignorance but what's an OR?

Thank you both so much for your replies. I've had a jolly good laugh at Bazooka Boo's suggestions, which was unexpected. But very, very welcome. Unfortunately, I don't think I have the energy left to even have a little fun at their expense. Which seems a wasted opportunity but there we are. So I'll probably plump for the other option which is to contact the link Bazooka Boo left. Again, my thanks to you both.

I'm still getting threatening letters and phone calls from debt collection agencies 10 weeks after bankruptcy. I have a block on withheld numbers and can call bar others. But I specifically told a company that managed to get through to me about a week ago that I have now been bankrupt for a few months and asked them not to call again. Despite this they've tried calling tonight. Any advice on how to deal with this???