Ebay threats! - can non payment affect your credit rating?
22 November 2006, 12:08 AM
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Ebay threats! - can non payment affect your credit rating?
Ebay customer services is beyond a joke now! They have sent me countless emails saying they will credit my account ASAP with the balance of £2.39 for a dispute that I had with them. This has taken them ages to do and they told me to ignore all the automated demands for payment.
I got one today saying they may pass this debt on to a collection agency and that my account has been suspended! Now i know they will never do this and its just an automated response but will this 'non payment' affect my credit rating etc? Its their fault and my credit has been in the system for ages just not credited to my account yet! I have all the emails from them telling me to ignore the demands?
Andy
I got one today saying they may pass this debt on to a collection agency and that my account has been suspended! Now i know they will never do this and its just an automated response but will this 'non payment' affect my credit rating etc? Its their fault and my credit has been in the system for ages just not credited to my account yet! I have all the emails from them telling me to ignore the demands?
Andy
22 November 2006, 12:11 AM
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a debt is a debt, so i suppose technically they could, but if your sure its there fault let them send the soliciotrs letter then explian to them whats gone off, its far easier talking to a solicitor than it is to ebay
22 November 2006, 12:17 AM
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Their customer service is so poor! Templated responses to everything
'Hi my name is <insert name here> I am so pleased to have this opportunity to help you blah blah blah'
Had exactly the same template used in the same email conversation twice!
Still thats probably how they manage to keep the cost down and profits of £290 million or what ever they made this year
'Hi my name is <insert name here> I am so pleased to have this opportunity to help you blah blah blah'
Had exactly the same template used in the same email conversation twice!
Still thats probably how they manage to keep the cost down and profits of £290 million or what ever they made this year
22 November 2006, 12:20 AM
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Originally Posted by Dazza01
a debt is a debt, so i suppose technically they could, but if your sure its there fault let them send the soliciotrs letter then explian to them whats gone off, its far easier talking to a solicitor than it is to ebay
I am not paying this money now out of principle, They said originally that the listing fee covers cost of hosting and customer services etc. and thats why I should still pay it on this particular item I was disputing with them - in the end agreed to go halfs on it with them and paid my £2.39 about 2 weeks ago - don't feel like i have got £2.39 worth of service from them!
Andy
22 November 2006, 12:25 AM
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Originally Posted by 106rallye
Trouble is my solicitor will prob charge me £50 at least for the letter!
I am not paying this money now out of principle, They said originally that the listing fee covers cost of hosting and customer services etc. and thats why I should still pay it on this particular item I was disputing with them - in the end agreed to go halfs on it with them and paid my £2.39 about 2 weeks ago - don't feel like i have got £2.39 worth of service from them!
Andy
I am not paying this money now out of principle, They said originally that the listing fee covers cost of hosting and customer services etc. and thats why I should still pay it on this particular item I was disputing with them - in the end agreed to go halfs on it with them and paid my £2.39 about 2 weeks ago - don't feel like i have got £2.39 worth of service from them!
Andy
22 November 2006, 12:41 AM
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I had the same problem the left hand not knowing what the right is doing.
On the one hand they were saying they were going to credit my account with the disputed amount, then I got emails through demanding payment.
They are a bunch of ***** thats sure and the only advice I can offer is stick to your guns, DONT pay and eventually the auto emails will come through with the CORRECT amount you owe.
make sure you keep all the emails you recive, if it all gets nasty at least you'll have proof of their intentions, and their incompetance!
astraboy.
On the one hand they were saying they were going to credit my account with the disputed amount, then I got emails through demanding payment.
They are a bunch of ***** thats sure and the only advice I can offer is stick to your guns, DONT pay and eventually the auto emails will come through with the CORRECT amount you owe.
make sure you keep all the emails you recive, if it all gets nasty at least you'll have proof of their intentions, and their incompetance!
astraboy.
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22 November 2006, 09:00 AM
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Ebay are a bunch of c.unts! There customer service is s.hite... My mate had his account suspended for a credit issue, they do **** all about it. I wish i knew where there so called head office was.... petrol... matches....
22 November 2006, 10:18 PM
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No such thing as a credit rating - the credit agencies store various details and the individual lenders do their own scoring based on their own parameters.
Doesn't need a CCJ, the agencies will also record late bill payments for loans, credit cards etc. so I guess they could also hold eBay non-payments. But it would still depend on whether the future creditor would actually care.....
Doesn't need a CCJ, the agencies will also record late bill payments for loans, credit cards etc. so I guess they could also hold eBay non-payments. But it would still depend on whether the future creditor would actually care.....
22 November 2006, 10:38 PM
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Not sure about that Alistair. I access Experians data daily on individuals as part of my credit check process. They do provide a rating. I know the other half uses the same ratings in the banking sector as well.
I agree on the credit scoring aspect though. Late payments are recorded. CCJ's whether satisfied and removed from the Register can still be identified.
I agree on the credit scoring aspect though. Late payments are recorded. CCJ's whether satisfied and removed from the Register can still be identified.
22 November 2006, 10:59 PM
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Ah OK, I checked the Experian Website FAQ's and they have a thing called the National Credit Score which is new
And it is only an indication of what other creditors might do -
This is a brand new service from Experian who are the first UK Credit reference agency to provide individuals with access to their credit score. The service has been developed in response to significant consumer demand following extensive consumer research.
The National Credit Score is an online service developed by Experian that provides individuals with an indication of their credit status.
Your National Credit Score is based upon your Experian credit history. This is the information contained in your Experian credit report. You can use your National Credit Score to see how your credit history might influence a lending decision.
National Credit Scores range from 0 to 1000. A higher score suggests that you will probably find it easier to borrow money or buy goods on credit.
Your National Credit Score is only a guide to help you to see how your credit report information may affect a lenders credit decision. It is not a guarantee that you will, or wont, be granted credit. Lenders set their own credit scoring rules and this will differ between lenders. Lenders may even have different scoring rules for different products. They often use the information you give them on your application form, too, including details of your job, how long you have been at your address, whether you own your own home and how many dependants you have. This information is not held on your credit report. Lenders will also check your identity.
Your National Credit Score is based upon your Experian credit history. This is the information contained in your Experian credit report. You can use your National Credit Score to see how your credit history might influence a lending decision.
National Credit Scores range from 0 to 1000. A higher score suggests that you will probably find it easier to borrow money or buy goods on credit.
Your National Credit Score is only a guide to help you to see how your credit report information may affect a lenders credit decision. It is not a guarantee that you will, or wont, be granted credit. Lenders set their own credit scoring rules and this will differ between lenders. Lenders may even have different scoring rules for different products. They often use the information you give them on your application form, too, including details of your job, how long you have been at your address, whether you own your own home and how many dependants you have. This information is not held on your credit report. Lenders will also check your identity.
22 November 2006, 11:28 PM
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Experian Credit Expert, check credit rating, credit reports & file alerts - with Experian CreditExpert.co.uk (part of experian).
Download your credit report for free (very very detailed!) and pay a fiver and get your score.
Download your credit report for free (very very detailed!) and pay a fiver and get your score.
23 November 2006, 09:59 AM
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The Experian national credit score thing is a load of toss. Last time i checked mine was 999/1000. Wow i thought, i knew mine should be good but that's like perfect! Got a full credit report from them and none of my current cards or mortgages were on it, NONE. Lots of old settled accounts were but no current ones.
Got a report from Equifax and everything was on there that should be.
That would obviously make quite a difference when applying for credit depending on which company a lender ran a check with.
Got a report from Equifax and everything was on there that should be.
That would obviously make quite a difference when applying for credit depending on which company a lender ran a check with.
23 November 2006, 11:05 AM
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Hmm seems like now my account is suspended I can't post any more on their discussion boards - anyone want to ask a question for me 
They are now not responding to my emails either - big fan of your work ebay
Andy
They are now not responding to my emails either - big fan of your work ebay
Andy
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