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Ebay gone to far with new policy change from 4th Feb 2025!
Comments
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RFW said:Warning: any unnecessary disclaimers appearing under my posts do not bear any connection with reality, either intended, accidental or otherwise. Your statutory rights are not affected.0
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ballisticbrian said:RFW said:I'm not entirely sure what you're saying so apologies if I've misunderstood. I may be wrong, as I rarely use it, but don't Ebay show the RM prices as inclusive of VAT? So the price is less including VAT. This seller bought the postage at a Post Office.Also, as I'm registered for VAT I've lost track of which services are subject to VAT. For me the only ones I can get that aren't subject to VAT are ones marked as 1st or 2nd class. Everything I can get after that has some form of tracked service. Now I think of it on my account the 1st and 2nd track at delivery now too..0
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RFW said:soolin said:OP hasn't understood the changes anyway as they seem to believe this applies to business sellers as well.
Incidentally, Wayfair pay out 60 days after a sale, other marketplaces are between 7 and 30 days.
On the OP, I've seen this a few times now. On a constructive point it needs to be clearer to get better support and less like a rant. I don't understand what the "danger" is in this, frustrating, irritating, over reaching, maybe but there's nothing dangerous about it.
On another point, I had a look at sending a 20kg parcel to Australia with £1000 insurance and UPS is quoting me £190, 10kg is £108. It only gets to £295 at 40kg.
one of my items is £1,350 value in very large box i do look around na donly use genuine couriers I trust, they may cost more but certainly I will never use evri or yodel, they are cheap for a reaspon. this reply feels like your saying i'm lying whne I weigh and get quotes for all my items upfront. also ebya add on 3% in fees both on total costs including postage costs, so i've had to add little extra to my quotes. doesn't solve the probem of where do I get 3295 from let alone £65 from to post an time if ebay hold my funds.
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RFW said:danny69 said:I agree with the points Soolin has covered. Also, you mention items under £20 which some would usually send untracked but (apparently) due to the changes FOR PRIVATE SELLERS ONLY “So therefore everyone will have to only send via tracked services which cost more to post.” This is a completely false statement. Nobody is insisting EVERYONE has to send items tracked. If you wish to send low value items untracked (as you may do currently) this will just mean your funds are released after 14 days. 14 days may seem like a while, but this is just a few pounds plus the cost of a stamp. This isn’t a significant sum of money we are talking about. Remember THIS POLICY ONLY APPLIES TO PRIVATE SELLERS and if you’re selling expensive items and sending them tracked etc then the chances are you should be using a business account anyway.
I received an item before Christmas from an Ebay seller and it wasn't tracked. When it arrived they'd used a more expensive untracked service. I think long term sellers may have been caught up in some older price structures and haven't checked out the prices and services Royal Mail and Ebay now offer.
I refuse to use to ebays postage system I choose my own courier who I trust the most and more reliable. either way posting some of my items around £1000-£1350.00 is going to cost, either way I still have to pay the courier with what if ebay hold my funds? a lto fo my items are high value and very large/heavy costing a fortune to post uk let alone outside uk in which is my biggest audience for sales on the types of items I have for sale.
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soolin said:So much of this has already been addressed and I would urge you to read the replies on other threads as most of your points are covered.
Basically though, No it's not illegal and many other online sites do this already. You can use ebay funds to pay the postage, so not out of your own pocket, and if tracking isn't used then funds are released after 14 days.
I can understand the distress and alarm at this but again will echo what I said before. To work out what is happening it is best to read the announcements and make sure you understand them as then a decision can be made as to whether the new system can be tolerated, or if sellers prefer to leave. There is absolutely no right in law to insist a company follows your requirements in order to enable you to use them as you want.
In your own case, once you've sold your few high end items as a private seller then that surely is the time to leave. If you weren't happy at even posting things yourself overseas for the period before the changes occur then use GSP. It would seem unlikely that a private seller would have a multitude of high end items going overseas, so sell them quickly now while you have the chance.
i've have been selling for over 17 years and all my items are weighed in advance for postage costs across the world. i do look around and i never use evri or yodel they are cheap for a reason and had to many complaints and been on bbc watchdog in the past to many times! my point is the costs involved to post on some of my items, i did explain one such example in my write up and petition write, where do i get £295 from to post an item of £1350.00 value that is very large and heavy if ebay hold my funds, was the one point people are missing.
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Tracy39 said:RFW said:soolin said:OP hasn't understood the changes anyway as they seem to believe this applies to business sellers as well.
Incidentally, Wayfair pay out 60 days after a sale, other marketplaces are between 7 and 30 days.
On the OP, I've seen this a few times now. On a constructive point it needs to be clearer to get better support and less like a rant. I don't understand what the "danger" is in this, frustrating, irritating, over reaching, maybe but there's nothing dangerous about it.
On another point, I had a look at sending a 20kg parcel to Australia with £1000 insurance and UPS is quoting me £190, 10kg is £108. It only gets to £295 at 40kg.
one of my items is £1,350 value in very large box i do look around na donly use genuine couriers I trust, they may cost more but certainly I will never use evri or yodel, they are cheap for a reaspon. this reply feels like your saying i'm lying whne I weigh and get quotes for all my items upfront. also ebya add on 3% in fees both on total costs including postage costs, so i've had to add little extra to my quotes. doesn't solve the probem of where do I get 3295 from let alone £65 from to post an time if ebay hold my funds.There’s no 3% yet, it’s 4% plus a 75p standing charge when it does come in, Business sellers already pay a lot more. It is also likely that postage will be able to be purchased from the funds even if they are held, it is a little unclear at the moment.
As I said before, a private seller isn’t going to have endless high end items to sell, once the few things you’ve got are sold that’s the end of it , it’s not like a business seller who is routinely buying things to sell . I understand that a tiny minority of private sellers might have the odd high end item lying around, a few might have several, but it is extremely unlikely that they have loads, all expensive and all going overseas .
There is also the choice of using GSP instead of posting direct as then a seller only has to pay postage to the eBay hub.I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.5 -
Tracy39 said:RFW said:danny69 said:I agree with the points Soolin has covered. Also, you mention items under £20 which some would usually send untracked but (apparently) due to the changes FOR PRIVATE SELLERS ONLY “So therefore everyone will have to only send via tracked services which cost more to post.” This is a completely false statement. Nobody is insisting EVERYONE has to send items tracked. If you wish to send low value items untracked (as you may do currently) this will just mean your funds are released after 14 days. 14 days may seem like a while, but this is just a few pounds plus the cost of a stamp. This isn’t a significant sum of money we are talking about. Remember THIS POLICY ONLY APPLIES TO PRIVATE SELLERS and if you’re selling expensive items and sending them tracked etc then the chances are you should be using a business account anyway.
I received an item before Christmas from an Ebay seller and it wasn't tracked. When it arrived they'd used a more expensive untracked service. I think long term sellers may have been caught up in some older price structures and haven't checked out the prices and services Royal Mail and Ebay now offer.
I refuse to use to ebays postage system I choose my own courier who I trust the most and more reliable. either way posting some of my items around £1000-£1350.00 is going to cost, either way I still have to pay the courier with what if ebay hold my funds? a lto fo my items are high value and very large/heavy costing a fortune to post uk let alone outside uk in which is my biggest audience for sales on the types of items I have for sale.Have you considered using GSP and just paying postage to the ebay hub?I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.0 -
Tracy39 said:RFW said:soolin said:OP hasn't understood the changes anyway as they seem to believe this applies to business sellers as well.
Incidentally, Wayfair pay out 60 days after a sale, other marketplaces are between 7 and 30 days.
On the OP, I've seen this a few times now. On a constructive point it needs to be clearer to get better support and less like a rant. I don't understand what the "danger" is in this, frustrating, irritating, over reaching, maybe but there's nothing dangerous about it.
On another point, I had a look at sending a 20kg parcel to Australia with £1000 insurance and UPS is quoting me £190, 10kg is £108. It only gets to £295 at 40kg.
one of my items is £1,350 value in very large box i do look around na donly use genuine couriers I trust, they may cost more but certainly I will never use evri or yodel, they are cheap for a reaspon. this reply feels like your saying i'm lying whne I weigh and get quotes for all my items upfront. also ebya add on 3% in fees both on total costs including postage costs, so i've had to add little extra to my quotes. doesn't solve the probem of where do I get 3295 from let alone £65 from to post an time if ebay hold my funds.I thought I was being helpful rather than calling you a liar but hey ho. I also only mentioned UPS, so where Evri and Yodel came from I don't know. I used UPS recently to send to Australia and it was a good service for a large parcel.As Soolin points out, you appear to be selling several thousand pound plus items so shouldn't really have a problem in finding the money to pay for the postage. There is also a concern that with such high value items you may be more of a business seller or, at least, be running into capital gains issues, so you may have more problems than Ebay holding your funds for a few days.
Incidentally, why don't you use Ebay's postage? If the tracking is tied to the Ebay postage then you'll get paid quicker.
One final point, don't ever try selling on Amazon, if you get this wound up from Ebay, there's no knowing what Amazon will do to you..2 -
Tracy39 said:
So ebay are upsetting a lot of people including myself viewing endless comment on ebayuks facebook page/facebook ebay groups and this forum alone, with the new disgusting policy they want to introduce from 3rd February 2025!
Firstly I wonder if this I legal because I searched to see if a company can not only legally hold your fund as a seller before posting your item, but if a company can use those funds it's holding like ebay propose to as in hold funds from sellers till 2 days after delivery, and do with those funds what they like in the meantime eg:- put those funds of yours into a bank account earning daily interest in the meantime. When I searched for answers, It said
"no It's NOT illegal for a company to hold funds in bank account to earn interest. But they must account for that interest. Now I was sure a company can do what ever it likes with money you pay them. Though this is slightly different as the buyer pays ebay who don’t own your item, and they hold your funds now till 2 days after delivery. I don't feel this holding sellers funds till delivery is legal? Though I'm not sure as I can't get answers and a solicitor will charge a lot for this information.
But I would of thought:- As a seller of a product I'm sure you should have the rights to get the money in your bank before posting anything, surely ebay can't hold my funds from the very start of sale, as the item is not their property from the very point it is sold?
Holding funds because it claims It's giving buyers better protection can surely not be a valid reason. Which basically is what ebay are doing It's going to be held in ebays bank account whoever they might bank with, but I and thousands of other people have experienced and feel or have said that buyers have to much protection anyway and shared their horrific stories/experiences online.
IF anybody in the know who has accurate information regarding rights to your money straight away on items you own and sold please comment where we stand as members of the public as i only have thoughts not actual info, yet i've searched and searched for answers. Maybe i'm not typing the rihgt thing in.
Back to my main point of this post is about the new policy! I think It's dangerous and outrageous. I've started a petition at change.org and will put the link at the bottom to sign and share ASAP! Please. These are my points on the petition, I've also asked ebay customer service and just getting sent in circles, others have asked about where they get the money from to pay the courier ad ebay just spout the new policy that we are complaining about, back to them word for word which doesn't help. My such reply from ebay was that to use the ebays postage system so I'm not out of pocket, which I will never do, I always buy via genuine courier website. But even so I replied back tot hem that either way I still have to pay a courier to post the item, where am I getting fund from to pay the courier? I got the same response back!
Ebay uk are wanting to implement what I feel is a dangerous and disgracefully policy from 4th February 2025 so I'm petitioning to stop it! They have now said that sellers will no longer receive their funds straight away and only receive upon item showing it has been delivered. I list below the following reasons why I feel this hasn't been thought out well and is slightly dangerous to implement, my points as follows:-
IMPORTANT INFO ABOUT FUNDS HLED TILL TRACKGIN SHOWS DELIVERED!
Firstly I must stress any company putting 100% faith into a system or in this instance a tracking system to work 365 days a year without problems or glitches on couriers website is dangerous! Technology should NEVER be trusted 100%.
(See screen shot included in this spot underlined in Red). Funds are only released and based on tracking showing delivered! I explained to them this is dangerous to trust technology to that degree! technology cannot be trusted to be 100% accurate 365 days a year. They should of learnt that from the post office scandal. But anyway many others are saying the same about tracking not working properly sometimes on couriers websites. yet item has been delivered, yet ebay just say to me, sorry if tracking doesn't show delivered then funds not released. that statement is word for word in their reply.
Sometimes I have noticed items I've sent have shown only as posted or in transit for many weeks, and show not delivered on the main couriers website, yet some have left feedback saying they got their item. Now everyone lets you know they got their item. So what then? How do sellers get their funds released if ebays or the couriers system shows item still in transit due to a glitch that's never fixed? Yet the buyer hasn't complained they didn't receive their item. If the system of releasing sellers fund is solely based on tracking showing as delivered and there are serious tracking glitches, this is dangerous for ebay to trust & put faith into technology working 100% at any time.
Secondly in relation to paragraph above, it means nobody can now offer to send very cheap items under £20 untracked. Royal mail cover item of £20 in value even if sent with no tracking if they get lost, yet there will be no tracking to show It's been delivered, so therefore again as there is nothing to show It's even delivered, means funds won't be released to the seller. So therefore everyone will have to only send via tracked services which cost more to post.
Thirdly and VERY IMPORTANT! Some items sellers are selling are large/heavy and very high value items! Anybody who ever sent anything like this with values over £100 and then into the thousands will know not only how expensive it is for uk postage but internationally as well.
As an example on such item I'm selling is going to cost £295 to post to Australia fully tracked as this was the only service that would cover over £1000 in value! If ebay hold ALL my funds till delivery, where am I going to get £295 from to pay the courier to post my item to Australia?
I feel a business seller who possibly makes a good profit may have this amount as back up funds in the bank to pay out whilst they wait for their funds. But where is the average private household seller who isn't a business, likely to find that amount to pay a courier to post the item, who is only selling personal possessions?!
So therefore if ebay hold my funds I will certainly not have nay funds to that amount in savings to pay a courier to post internationally let alone uk on most of my items. therefore this is most certainly restricting me from selling abroad the most.
So this means I will certainly NOT be able to offer international postage as international costs even on smaller lower value items are costly and you will have to find the money to post it, so therefore my sales will be restricted even more so, yet my biggest audience is international people outside the UK!
Ebay mention nothing about what happens if item is returned and you receive it in bad condition? How do I prove it wasn't me who did the damage, say a costume I sold was sent clean and came back with un -removable stain. What then as couriers only let the SENDER make a claim, NOT the recipient!
In ebays recent nice little message to members about this policy change they want to implement, they don't go into any nitty gritty like this, no does it seem to have been thought through very well at all. If your not happy with this please sign my petition today and stop ebay implementing this new change that many of us are not happy about! Also e-mail or message ebay through their website here or their facebook page messenger service to show your disgust!
PLEASE SIGN HERE:_ where i've put the word dot please input a . symbol as change won't let me input a web address!
www.change.org/p/ebay-gone-to-far-with-new-policy-change-from-4th-feb-2025
Lots of sellers are clearly unhappy with such a drastic change, yet the attitude of eBay is TOUGH LUCK, WE AREN'T LISTENING OR CHANGING ANYTHING BACK FOR ANYONE. really appalling attitude from eBay and the people who go out of their way to run down the OP and defend this are equally just as bad.
This whole new setup stinks, and leaves sellers very vulnerable to all sorts of scams whilst eBay simply just look after buyers and also THEMSELVES !...
I know from when they dropped PayPal and started eBay managed payments that things are going to get bad... I just didn't think it was going to come to this !
I've been on eBay since 2004 and have seen all sorts of rapid changes they have made in recent years but this new change of withholding payments until 48 hours after confirmed delivery and soon to be managed delivery (eBay simple delivery) where sellers won't even have the choice or liberty to use whichever courier they feel happy/comfortable using is now over the top and I will NEVER agree to this !
So long eBay ! Good Bye.
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bittyboy101 said:Tracy39 said:
So ebay are upsetting a lot of people including myself viewing endless comment on ebayuks facebook page/facebook ebay groups and this forum alone, with the new disgusting policy they want to introduce from 3rd February 2025!
Firstly I wonder if this I legal because I searched to see if a company can not only legally hold your fund as a seller before posting your item, but if a company can use those funds it's holding like ebay propose to as in hold funds from sellers till 2 days after delivery, and do with those funds what they like in the meantime eg:- put those funds of yours into a bank account earning daily interest in the meantime. When I searched for answers, It said
"no It's NOT illegal for a company to hold funds in bank account to earn interest. But they must account for that interest. Now I was sure a company can do what ever it likes with money you pay them. Though this is slightly different as the buyer pays ebay who don’t own your item, and they hold your funds now till 2 days after delivery. I don't feel this holding sellers funds till delivery is legal? Though I'm not sure as I can't get answers and a solicitor will charge a lot for this information.
But I would of thought:- As a seller of a product I'm sure you should have the rights to get the money in your bank before posting anything, surely ebay can't hold my funds from the very start of sale, as the item is not their property from the very point it is sold?
Holding funds because it claims It's giving buyers better protection can surely not be a valid reason. Which basically is what ebay are doing It's going to be held in ebays bank account whoever they might bank with, but I and thousands of other people have experienced and feel or have said that buyers have to much protection anyway and shared their horrific stories/experiences online.
IF anybody in the know who has accurate information regarding rights to your money straight away on items you own and sold please comment where we stand as members of the public as i only have thoughts not actual info, yet i've searched and searched for answers. Maybe i'm not typing the rihgt thing in.
Back to my main point of this post is about the new policy! I think It's dangerous and outrageous. I've started a petition at change.org and will put the link at the bottom to sign and share ASAP! Please. These are my points on the petition, I've also asked ebay customer service and just getting sent in circles, others have asked about where they get the money from to pay the courier ad ebay just spout the new policy that we are complaining about, back to them word for word which doesn't help. My such reply from ebay was that to use the ebays postage system so I'm not out of pocket, which I will never do, I always buy via genuine courier website. But even so I replied back tot hem that either way I still have to pay a courier to post the item, where am I getting fund from to pay the courier? I got the same response back!
Ebay uk are wanting to implement what I feel is a dangerous and disgracefully policy from 4th February 2025 so I'm petitioning to stop it! They have now said that sellers will no longer receive their funds straight away and only receive upon item showing it has been delivered. I list below the following reasons why I feel this hasn't been thought out well and is slightly dangerous to implement, my points as follows:-
IMPORTANT INFO ABOUT FUNDS HLED TILL TRACKGIN SHOWS DELIVERED!
Firstly I must stress any company putting 100% faith into a system or in this instance a tracking system to work 365 days a year without problems or glitches on couriers website is dangerous! Technology should NEVER be trusted 100%.
(See screen shot included in this spot underlined in Red). Funds are only released and based on tracking showing delivered! I explained to them this is dangerous to trust technology to that degree! technology cannot be trusted to be 100% accurate 365 days a year. They should of learnt that from the post office scandal. But anyway many others are saying the same about tracking not working properly sometimes on couriers websites. yet item has been delivered, yet ebay just say to me, sorry if tracking doesn't show delivered then funds not released. that statement is word for word in their reply.
Sometimes I have noticed items I've sent have shown only as posted or in transit for many weeks, and show not delivered on the main couriers website, yet some have left feedback saying they got their item. Now everyone lets you know they got their item. So what then? How do sellers get their funds released if ebays or the couriers system shows item still in transit due to a glitch that's never fixed? Yet the buyer hasn't complained they didn't receive their item. If the system of releasing sellers fund is solely based on tracking showing as delivered and there are serious tracking glitches, this is dangerous for ebay to trust & put faith into technology working 100% at any time.
Secondly in relation to paragraph above, it means nobody can now offer to send very cheap items under £20 untracked. Royal mail cover item of £20 in value even if sent with no tracking if they get lost, yet there will be no tracking to show It's been delivered, so therefore again as there is nothing to show It's even delivered, means funds won't be released to the seller. So therefore everyone will have to only send via tracked services which cost more to post.
Thirdly and VERY IMPORTANT! Some items sellers are selling are large/heavy and very high value items! Anybody who ever sent anything like this with values over £100 and then into the thousands will know not only how expensive it is for uk postage but internationally as well.
As an example on such item I'm selling is going to cost £295 to post to Australia fully tracked as this was the only service that would cover over £1000 in value! If ebay hold ALL my funds till delivery, where am I going to get £295 from to pay the courier to post my item to Australia?
I feel a business seller who possibly makes a good profit may have this amount as back up funds in the bank to pay out whilst they wait for their funds. But where is the average private household seller who isn't a business, likely to find that amount to pay a courier to post the item, who is only selling personal possessions?!
So therefore if ebay hold my funds I will certainly not have nay funds to that amount in savings to pay a courier to post internationally let alone uk on most of my items. therefore this is most certainly restricting me from selling abroad the most.
So this means I will certainly NOT be able to offer international postage as international costs even on smaller lower value items are costly and you will have to find the money to post it, so therefore my sales will be restricted even more so, yet my biggest audience is international people outside the UK!
Ebay mention nothing about what happens if item is returned and you receive it in bad condition? How do I prove it wasn't me who did the damage, say a costume I sold was sent clean and came back with un -removable stain. What then as couriers only let the SENDER make a claim, NOT the recipient!
In ebays recent nice little message to members about this policy change they want to implement, they don't go into any nitty gritty like this, no does it seem to have been thought through very well at all. If your not happy with this please sign my petition today and stop ebay implementing this new change that many of us are not happy about! Also e-mail or message ebay through their website here or their facebook page messenger service to show your disgust!
PLEASE SIGN HERE:_ where i've put the word dot please input a . symbol as change won't let me input a web address!
www.change.org/p/ebay-gone-to-far-with-new-policy-change-from-4th-feb-2025
Lots of sellers are clearly unhappy with such a drastic change, yet the attitude of eBay is TOUGH LUCK, WE AREN'T LISTENING OR CHANGING ANYTHING BACK FOR ANYONE. really appalling attitude from eBay and the people who go out of their way to run down the OP and defend this are equally just as bad.
This whole new setup stinks, and leaves sellers very vulnerable to all sorts of scams whilst eBay simply just look after buyers and also THEMSELVES !...
I know from when they dropped PayPal and started eBay managed payments that things are going to get bad... I just didn't think it was going to come to this !
I've been on eBay since 2004 and have seen all sorts of rapid changes they have made in recent years but this new change of withholding payments until 48 hours after confirmed delivery and soon to be managed delivery (eBay simple delivery) where sellers won't even have the choice or liberty to use whichever courier they feel happy/comfortable using is now over the top and I will NEVER agree to this !
So long eBay ! Good Bye.
If you sold as far back as 2004 then you will recall paypal not releasing funds immediately, and also (and I'm not sure of the exact date it changed) actually charging for withdrawals under £50.
Also unless you've seen something that I have missed, which is entirely possible, there has been no real announcements about how simple postage will work for everyone, it already appears to have been delayed. If they follow the Vinted method (which is actually being tweaked to the detriment of sellers at the moment) then sellers can opt out of certain postage options and just leave the ones enabled that they want.
There is always panic when ebay make their changes the sky is always about to fall in. Yes no doubt some private sellers will leave but they form such a tiny part of the ebay turnover that no one will really notice. I always think it best to read announcements carefully and not jump to conclusions before making any major decisions. Obviously some private sellers will be happy to just take everything to a charity shop going forward, it's certainly a lot less stressful than ebay! However for those who have things to sell but welcome a little extra money in their pocket they may have to stay on ebay and be prepared to wait for their money.
I think a lot of people are wisely waiting to see what this all actually looks like when implemented and I think the lack of interest in the petition (which make incorrect statements) shows there isn't so far a mass panic. It maybe that there will be more changes that will even upset the more hardened private sellers, but best to wait to see how it pans out before declaring doom and gloom.I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.3
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