www.iva.co.uk

In my proposal I have the 50% clause for overtime, windfalls and bonuses. I was just wondering if that includes any money I make by selling belongings on ebay?

If like lots of us, you sell personal stuff on for a little extra cash that should be fine. Think you'd run into trouble though if you were making quite a bit of money on there, could be seen as a business.

If they are personal belongings, then you should be OK to keep 100% of the proceeds for yourself.

Hello

As the others have rightly said, if you are selling your own personal unwanted items then you should be allowed to keep all of this money.

However, if you are buying items with the specific intention of selling on ebay then this is considered business selling and you will have to declare your earnings to the tax man and your creditors.

Be very careful with selling electircal items, i was bought a hair removing acanner at christmas - boyfriend obvoiusly thinks i'm too hairy!!!, anyway, sold it on e-bay 2 months ago for £100, got the money - everything ok, now 2 months later the buyer has said it doesnt work and Paypal have returned her money!!!!, left me £100 overdrawn in my paypal account and they are saying i have to pay it back immediately - what a joke, she's had it 2 months and has broken it and now has got her money back!!!!
Stressed and not happy

Vicki x

That's awful, vicki. You should be able to request the item back, no good if it's broken but it might not be, she may be scamming you, get the money and the item......

Yes I totally agree with Chris. Make sure you get the item back

I cannot see how they can debit your paypal account without proof of return or that the item has broken and the breakage was not caused by the new owner. I would certainly be challenging that one !!!

I've found a forum like this called "Paypal stibks", its all people complaining about Paypal and how they always side with the buyer, they gave me a tracer number for the item as she supposedly has returned it to me - royal mail says the number doesnt exist, i've told paypal if they refund her - i will sue them - this could be fun -

you go girl - girl power

it's good your not leaving it vicki, I must admit I've never had any problems with paypal but I've heard they always side with the buyer. If the number is fake then there is nothing stopping paypal debiting her account and putting her in a minus balance! My understanding is that it must be sent by trackable means, it seems she hasn't done that! Have you tried the community pages on Ebay? They are quite good and 'Topcat' is very good at Ebay & paypal policies! Might be worth a go, you haven't really got much to lose but everything to gain....[8D]

What a pain vicki...hope you get it sorted.

I had a dispute with paypal a while ago where I sold an item and the buyer paid, I posted item first class with a certificate of posting as requested by buyer and about 2 weeks later I had an email from paypal to say that the buyers bank had recalled the payment for some reason and they took it from my account leaving me in a minus situation.
I was furious[:(!]and rang paypal and they said because I did not send the item recorded delivery I was not protected by any means with them. That was not the point as the buyer never disputed recieving the item. Shame the buyer totaly ignored all contact with me and has my item free of charge....

I ALWAYS insist on sending any item recorded now aas it is only an extra 70p.

Ring up paypal and have a chat

Just a thought... and something I really don't like about Paypal is their "instant payment" (Direct Debit) method.

The reason being, if your buyer uses the Instant Payment, all this does is authorise a direct debit from the buyers account. It clears funds instantly for the seller to withdraw, but takes 3 working days to actually debit the buyers account. If the direct debit then bounces or is cancelled, and the "back-up" method then declines, Paypal are out of money so will probably then debit the seller account. In the meantime the seller has blissfully sent off the item!

I just don't trust their system one bit, unless you are actually covered by sending recorded/special delivery.

One tip with regards to Special Delivery for electrical items... charge an extra £5 for your item and give them free p&p. Makes them feel like you are doing them a favour but is covering you as a seller big time incase it gets damaged/lost/problems down the line...

Thanks everyone, item was returned this morning - postman woke me up at 7.15am with recorded delivery (and i thought those days were over!!!!!)Well i've tested it and it works fine, its very dirty and the power button as stained where a finger has been kept on it constantly - she has obviously overused it and its overheated - but as its been returned Paypal will automatically refund her - they wont take any notice of the fact that she has sent it back in a mess.

That's good news Vicki, at least you got it back. Give it a clean up and it'll be good as new.