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Insurance

I don't normally bother getting insurance when I get a new phone, but considering I just spent close to £500 this time I'm thinking it might be a good idea. Unfortunately Handtec (the company I bought the Touch Pro from) didn't offer me any insurance with it and I've enquired with my credit card company if purchases are insured because I know some credit card companies offer this service - unfortunately mine doesn't!
So does anyone in the UK know how to go about getting my Touch Pro insured against loss/theft/accidental damage for the next year or so, and what would be a reasonable price to pay?

OK never mind, I've just been doing some googling. I found several sites that wanted £7.99 a month (probably all the same company as they all had very similar wording) which seemed quite expensive even though they all give you a free battery after a year (another reason why they're probably all the same company).
Then I found Gizmoguard: They only want £24 per year and are underwritten by AXA so I chose to go with them. The only slight glitch is that they only insure items up to a value of £500 and most sites are selling it for more than this. I don't think this will be a major problem though, even if you paid slightly more than £500 for it, they should still give you £500 back so you wont be too much out of pocket if you need to claim.

A lot of people don't realise that their phone is often covered on their household insurance. Even when lost/damaged/stolen while out and about.

finisterre said:
A lot of people don't realise that their phone is often covered on their household insurance. Even when lost/damaged/stolen while out and about.
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Very true but the excess could be quite high. Mine's not, but I have to specifically inform my insurer of any items worth over £500 that will regularly be taken outside the house. Then they up the premium by about 50p per month...

It says in the Gizmoguard FAQ that
7)Are there any items you cannot cover?
The maximum cover for any one item is £500. You cannot insure an item with a value of over £500 with Gizmoguard.
We cannot cover mobile phones.
Did you still manage to insure your phone?

I just checked on that site and it covers blackberrys and ipaq's so would presume it would cover the Touch Pro

mtbmtbmtb said:
It says in the Gizmoguard FAQ that
7)Are there any items you cannot cover?
The maximum cover for any one item is £500. You cannot insure an item with a value of over £500 with Gizmoguard.
We cannot cover mobile phones.
Did you still manage to insure your phone?
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As duke748 just (sort of) said, the Touch Pro isn't a mobile phone! It's a PDA with a "phone" feature
Although I've already purchased a policy, I have just sent them an e-mail to make sure that my cover is definitely valid cos I did pay more than £500 in total for mine, but I bought it from Handtec bundled with TomTom software and my argument is that the device on its own without the software is sold on the same site for less than £500 (just about). Seeing as it's only the device that I want to insure, and not the software as well, I should be OK. I told them to cancel my policy and give me a refund if I'm not covered, but I don't see why I shouldn't be.

I asked them:
You say you don't cover mobiles, but you do cover Blackberry. Do you insure other smartphones besides Blackberries? Eg the HTC Touch Pro?
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And got back this response by email this morning:
No sorry we do not cover smartphones, we cover blackberries and other devices that have the function of a mobile phone but not mobile phones that have other functions.
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I guess the question is, when is a device a phone with PDA features (not covered), vs a PDA with phone features (covered). As the Touch Pro is probably one of the most advanced smartphones in terms of non-phone features, and definitely more PDA-featured than a Blackberry, it's not obvious to me that it's a "phone with PDA features" - but with insurance it pays to be unambiguous otherwise you'll end up not covered (it's the underwriter's job to make sure that all conditions of the policy are met before paying out so).

zanewilson said:
I asked them:
And got back this response by email this morning:
I guess the question is, when is a device a phone with PDA features (not covered), vs a PDA with phone features (covered). As the Touch Pro is probably one of the most advanced smartphones in terms of non-phone features, and definitely more PDA-featured than a Blackberry, it's not obvious to me that it's a "phone with PDA features" - but with insurance it pays to be unambiguous otherwise you'll end up not covered (it's the underwriter's job to make sure that all conditions of the policy are met before paying out so).
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Hmm... I just checked my e-mail and I got this reply:
Hello
Thank you for your e-mail.
If you are happy to cover your item without the software/accessories so that the total value insured is £500 or less then that is fine to do this and you would not be affected in the event of a claim.
We trust the above will prove to be satisfactory however please do not hesitate to contact us if we can be of any further assistance.
Kind regards
Customer Service
Insurance4Living
JLT | Online - virtual insurance solutions
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I definitely won't be deleting that message in case I need it in the future

I asked gizmoguard the following:
"I would like to insure a device I have purchased (HTC Touch Pro) and would like to clarify two things:Firstly, I bought the product for £518 although most shops sell for £499. Would this be insured OK for £499 despite the price I purchased at?
Also, the policy mentions that mobile phones are not covered. The HTC Touch Pro is a PDA with phone capibilities - would this pose a problem?."
Their reply was:
"Thank you for your email. Unfortunately we do not cover PDA’s where it is also a phone, however if you contact a specialist mobile phone insurer they should be able to assist you further."
This obviously conflicts with previous posts here so I guess it depends on how you word your queries! I'll be using household contents insurance because nowhere seems anywhere near as reasonable as Gizmoguard.

TheDave said:
I asked gizmoguard the following:
"I would like to insure a device I have purchased (HTC Touch Pro) and would like to clarify two things:Firstly, I bought the product for £518 although most shops sell for £499. Would this be insured OK for £499 despite the price I purchased at?
Also, the policy mentions that mobile phones are not covered. The HTC Touch Pro is a PDA with phone capibilities - would this pose a problem?."
Their reply was:
"Thank you for your email. Unfortunately we do not cover PDA’s where it is also a phone, however if you contact a specialist mobile phone insurer they should be able to assist you further."
This obviously conflicts with previous posts here so I guess it depends on how you word your queries! I'll be using household contents insurance because nowhere seems anywhere near as reasonable as Gizmoguard.
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I'd be tempted to reply to that and ask why they cover Blackberries if they don't cover PDA's where it is also a phone and see what they say.
After all, do you know of any Blackberry devices that can't be used as a phone? I Don't!

Refurb ripped on ebay

Hey guys
So I ended up buying off of ebay, made the huge mistake of buying from a "newer" seller. It came in the mail, and a few things wrong with it
a) no car charger like the ad said (altho he said he'd put it in the mail asap)
b) it was in a tattered ATT box that was not like the new box from the ebay ad
c) black marker on the box tries to cover the fact that it says "refurbished kit" (I can luckily read through the marker)
So paypal has withdrawn the funds for now (on the circumstance that they actually double charged my credit card and withdrew both funds again until this is resolved). So hopefully this means I got some leverage here.
I basically told him:
"I will credit payment back, however would
like to receive the car charger as per the ebay ad, and at least have
you admit that you did not send me a new phone but rather a
refurbished one, in a box that was not as shown in the ad. We can
then either agree upon a new fair price, or I will delay the payment
until the dispute is resolved through paypal."
What would you guys think is a fair price for a refurbished one? I paid 375USD$ (355 + 20 shipping) or 410$CAN
He is said to now make it 340$?
is it worth it to still be dealing with this guy at all?

?
how much would a refurbished go for in comparison to a used att tilt?

Who was the seller? Do you have a link to the completed auction?
I sold a buddy's old Tilt for about $400 locally, so I think a $375 shipped price for a factory refurb is still a good deal. I still remember selling a brand new one only opened for unlock for $650, but that was awhile ago, haha.
~Cheers~

hi
what are some things i should be cautious of refurb?
i wanna check and make sure everything is working before i continue negotiating/paying him
it seems that sometimes it does not read the touch screen (or is slow to detect)
does this happen normally?

Go90go said:
Who was the seller? Do you have a link to the completed auction?
I sold a buddy's old Tilt for about $400 locally, so I think a $375 shipped price for a factory refurb is still a good deal. I still remember selling a brand new one only opened for unlock for $650, but that was awhile ago, haha.
~Cheers~
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I can't imagine why someone would pay $650 for a Tilt, even when they were brand new they were $549.99 without contract.

it would help if you told us what kind of device you've bought (i've read AT&T and refurb. but no device name)

Xtreme XL said:
it would help if you told us what kind of device you've bought (i've read AT&T and refurb. but no device name)
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It's a Tilt, he says it in 2nd post.
I'd go for between $320-$350 and no higher, non-negotiable! The ad is different from the actual product, your missing parts, and the other crap you have to deal with.
Refurbished should work just as well as a new device, sometimes a refurbished works better than a new. It's a gamble either way since you don't know what the seller has done with it. Pull up some system info on the device and see if it's stock info. Also, is there any physical damage?

TILT
yes its an HTC tilt
there is no physical damage and it looks good
"Pull up some system info on the device and see if it's stock info"
how is this done?
he also claims that their is still a one year warranty....if i send it back to ATT they will send me a new one. Is there a way to verify this?

[Q] General Question about Verizon/Ebay

If I buy a NEW phone on ebay (example HTC Touch Pro or Blackberry Storm), and it is defective, could I go to a Verizon store and return or exchange it without a receipt (assuming I still have the box).
Does anyone know if this is possible?

Hi. Keep in mind I'm sure they track serial #'s / ESN's & such so even if they are nice enough to exchange it (which I've never had the gonads to try) you run the risk that the phone was reported stolen, is under contact on someone else's account or who knows what, you're standing there with your pants down. Then again I suppose they wouldn't let you activate the phone on your account if those were true.. (Sorry I've been in the GSM world too long where you move your SIM as needed.) Anyway I'd say you're taking some big chances there since they surely link phones with accounts or service it was purchased with. I'd love to hear of anyone who has succeeded in this.. It's not like you're buying a toaster & returning it to Kmart for a merchandise credit or something. lol
Bill

by the phone being on someone else's account, does that mean for example they bought the phone at the 2yr contract price only to turn it around and sell it on ebay for profit?
The ebay buyer did nothing wrong in that case, the ESN was clean and ebay purchased cells are easily activated.
thanks for responding.

Yeah that's what I meant but you are assuming best case scenario.. As I said who knows, the phones could have been stolen from a reseller or dealer (I do computer support for a sprint/nextel dealer & they've had many stolen even by employees who turn around & sell them on ebay. The store definitely figures it out eventually & they get reported as stolen & flagged. Maybe within days or weeks or months.) or who knows. That is one of biggest risks of buying off ebay. You may not know the history. Not trying to scare you just saying remember you'll be the one in the store holding stolen merchandise. Again, you risk the same trying to add the phone to your account so I guess they'll track you down either way. lol
As far as your original question, I wish I could say I knew but I don't. I assume there is virtually 0 chance of a return with refund and only a slight chance of an exchange assuming the phone is not flagged & you have a good story. Maybe someone else could chime in who has tried it. Again we are talking expensive phones normally bought with a contact linked to an account so easily traceable so don't be surprised if they scan it in & call you by the name of the guy who sold it to you. lol
Bill

It's just amazing that Verizon makes it so hard to upgrade your phone before your contract is up (even if you're willing to pay full price!!). The only way you can really do it is by buying a phone off of ebay and activating it yourself.

Yeah I'd imagine. That is one nice thing about GSM: Just move your SIM, assuming the phone isn't locked to another carrier which is usually pretty easy to get unlocked. I have bought about 50 phones off ebay (That would have been like 2 had I needed to call AT&T every time I wanted to switch! lol) & for the most part I've had pretty good luck with some duds. (Incompatible model missing 850 band, broken or more worn than expected) If you are in a pinch you might not have much choice but just make sure you buy from someone with high & good feedback & you should be OK. Better yet make sure they have a good return policy or even their own warranty. Not sure if the trick will work for you but I've bought 'Pay as you go' phones & put my SIM in when I needed a phone quickly. Maybe verizon has such a thing too but the prepaid phones are usually pretty awful. Of course there is a chance they'd refuse to add it to your account too. Buy yeah I wouldn't chance buying something on ebay hoping you can return to the local store if needed. I'd say buy new & hopefully sealed, not used (especially for expensive phones unless you want to risk it. Of course you can always try selling back on ebay if needed) from a good seller like I mentioned above & you should be fine. Btw the other thing to consider is go to an authorized Verizon dealer (vs a real Verizon store). You might find them much more likely to work with you on selling you a phone without a contact. I know they make big bucks signing up people but if you're willing to pay retail for a phone I'd imagine they won't turn you away especially if you suggest you'll be back when renewal time comes.
Bill

Ok, so believe it or not, I called Verizon and the rep told me that even if you don't have the original receipt, the verizon store uses the proof of purchase barcode to tell when the item was purchased. If your item is defective you can exchange it, and she even said in some cases they'll even let you put the money towards a new phone, although they prefer to have a receipt.
I'm shocked as I thought they would have a very strict return policy.
Also, any cell purchased in the last month is returnable until Jan 15, which means blackberry storms and htc touch pros and omnias bought on ebay can simply be returned to a verizon store if they are defective!

Wow! Did you get that in writing? lol Guess they have a very lenient return policy. Sounds like they do track them big time but instead of holding it against you they actually HELP you with the info. Geesh, if that really works I'd say they have some killer customer support policies! Makes me want to break a phone to try it & see. Then again I'm on ATT & they'd prolly laugh as they escorted me out the store. :|
Good luck with that, I'd love to hear follow up if you end up needing to try it but then again I'm sure you'd rather NOT have to try. Anyone else ever actually do this with any carrier?

My eBay experience (techno.trading.house)

Hi everyone,
I want to share my journey with the Z3, and the experience with buying from eBay, specifically from a seller, techno.trading.house (Steph, Ed). I bought two brand new Z3 (D6603)--a black one for myself, and a white one for my girlfriend. The order was smooth, and the phones came in pretty much brand new (open box though) with their plastic peel-screens on the glass, untouched. After using the two for a few hours, I noticed that my black one had a defective sensor (photo). The seller advertised "hassle-free" exchanges/refunds, so I reported the defect and had the black one exchanged right away.
After a week, the new one came, the same brand new (open box) condition as the previous phones. However, there was a slight manufacturing defect with the USB flap--it closes completely at a slant (photo). I spelled out the issue with the seller, and here was how it went:
SELLER: I'm sorry to hear that! We will certainly replace it for you, I believe that your phone would be damaged underwater if that or any other flap was not closed properly. (I also do strongly suggest to avoid wetting the phone just in case). Please return the phone to...
ME (after 2 days delivered to them): Hi, have you receive the package yet, and have you ship out the new phone?
SELLER: Your return has been received. If you had chosen to receive a replacement, it will be sent within 2 days. If you have opted for a refund, it will be issued within 24 hours minus applicable restocking fee.
ME: Do you have tracking info? Thanks!
SELLER: Our records indicate that we have already sent a replacement. You have reached out to us to let us know that the replacement has the same issue. In order to avoid another occurrence, we recommend that we proceed with a refund for this item. Please let us know if this is okay.
ME: Sorry, I am not sure what you are saying. Are you talking about the previous replacement or the 2nd replacement being shipped out? I am currently waiting for the 2nd replacement. You said "sure" on the second replacement last week.
SELLER: We are talking about the previous replacement. We believe since both- the original phone and the replacement phone- has had the same issue, that a refund might be best. Let us know if this is ok.
ME: That is not correct. First phone had a defective camera. Second one had a manufacturer defect on the flap. You agreed for the second exchange, so I am not sure why you are backing out now? I need the phone as I have been using an old dumb phone for work for a week already.
SELLER: I'm very sorry for the confusion. I just read back through the emails and you are indeed correct. We will have your replacement unit shipped today. Here is your tracking number. Again, I am sorry for the confusion. Have a great day!
ME: Thanks. I just hope the new one does not have any defect--I will be checking it. If it's not shipped out yet, anyway you can inspect these? Thank you.
SELLER: Hello, Not a problem.
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So the 2nd replacement came (third phone), and the phone came in a used/open condition. There were no plastic peel-screens on either side of the glass and the USB wire was laying in there without its plastic wrappers. I knew immediately this was used, so I began close inspection of the phone. I found that the power button had a noticeable dent on one side, as if it was dropped on a table before. At this point, I don't know what to do with the phone. I have summoned the seller to see what they plan to do with this situation.
It appears that the seller recycles their returned phones and try to sell them as new, or whatever it is. I am extremely disappointed with this seller, and I want others to know so they may not fall into the same trap.
I checked the current feedback, and it appears someone had the same situation (photo). Go figure!

To me this sounds like a fair seller and a picky buyer. 832 positive reviews and 6 negative ones in a month is a ratio I would buy at if I wanted to save a hundred bucks by buying without factory warranty.

It could have been an honest mistake. I doubt he purposely gave you an opened one, just work with him to solve the problem. eBay is much harder on sellers than buyers and he would ruin his reputation if he did it on purpose. Looking at his rating I would say it was an honest mistake.
I understand if he wants to refund you, he is just trying to cut his losses. At the same time it was your misfortune to get a bad device/s. Since this phone is known for cosmetic/other issues as its in early production you are better of buying from Sony/carrier making replacement easier.

abhinav.tella said:
It could have been an honest mistake. I doubt he purposely gave you an opened one, just work with him to solve the problem. eBay is much harder on sellers than buyers and he would ruin his reputation if he did it on purpose. Looking at his rating I would say it was an honest mistake.
I understand if he wants to refund you, he is just trying to cut his losses. At the same time it was your misfortune to get a bad device/s. Since this phone is known for cosmetic/other issues as its in early production you are better of buying from Sony/carrier making replacement easier.
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remember me?
I'm sorry to hear that. It was really a frustrating moment you went through. If I were you I would probably be really angry.
If you want, just buy it from Sony store. I got mine and it's perfect so far (except some cosmetic minor faults).

I bought two phones directly from the same seller. The price was cheaper on their own site vs eBay or Amazon. Both phones are perfect. They came in non sealed boxes. I've got no complaints.

android404 said:
To me this sounds like a fair seller and a picky buyer. 832 positive reviews and 6 negative ones in a month is a ratio I would buy at if I wanted to save a hundred bucks by buying without factory warranty.
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I may be a picky buyer, but who wouldn't be when you receive a defective product, and even worse when you get a used one on your third one. Feedbacks mean jack when you are on the short end. They are only good for initial decision about the seller, hence I trust them like you would too.
abhinav.tella said:
It could have been an honest mistake. I doubt he purposely gave you an opened one, just work with him to solve the problem. eBay is much harder on sellers than buyers and he would ruin his reputation if he did it on purpose. Looking at his rating I would say it was an honest mistake.
I understand if he wants to refund you, he is just trying to cut his losses. At the same time it was your misfortune to get a bad device/s. Since this phone is known for cosmetic/other issues as its in early production you are better of buying from Sony/carrier making replacement easier.
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I hope you are right on the honest mistake.
bluesky2111 said:
remember me?
I'm sorry to hear that. It was really a frustrating moment you went through. If I were you I would probably be really angry.
If you want, just buy it from Sony store. I got mine and it's perfect so far (except some cosmetic minor faults).
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Click to collapse
Yeah, I really regret not buying from Sony store, or even T-Mobile here. At this point, I might just say screw it, keep the phone, and move on with my life. Maybe the Z4 will entice me in few months. :good:

I purchased 3 different Z3 D6603 from Techno Trading, Never-MSRP, and Sony Direct all off ebay.
Techno Trading shipping a Central America version of the D6603 (White) to me and it had no seals whatsoever on the box (US Charger). This model would not show LTE indicator until I flashed a generic TFT. Booting with Encryption shows the Pin Entry text in Spanish but quickly changes to English. Seller Feedack: Shipped very quickly but using subpar shipping materials. Shipped from Miami.
Never-MSRP shipped a Central Europe version of the D6603 (Copper) to me and it HAD seals on the box but also included a Sony Screen Protector (Non-US Charger). This model had the LTE indicator from start. Booting with Encryption shows the Pin Entry text in English. Seller Feedback: Shipped same day and was packaged very well. Unfortunately, they are located in Houston so I had to pay tax.
Sony Direct shipped a Generic North American model of the D6603 (Green) to me. This one had seals on the box but didn't include the Screen Protector. LTE shows from start and includes a US Charger. Plastic on the front and back of phone is totally different than the other two. Its hard to describe but the other phones came with a very very thin plastic protector. This model shipped with much thicker protectors on front and back (still meant to be removed because they have tabs on the side). Additionally, the other two phones were inside a cellophane bag but the this model was not in cellophane. Shipped from Sony in Romeoville IL. Shipped within two hours of purchase using FedEx for free. Unfortunately, Sony charges tax everywhere. Packaged well but not great.
My point...
Sony packages models different based on their intended destination. It might not be that you ever got "open box" devices but rather they were intended for an area which Sony (for whatever reason) chose not to use seals.

mwep said:
My point...
Sony packages models different based on their intended destination. It might not be that you ever got "open box" devices but rather they were intended for an area which Sony (for whatever reason) chose not to use seals.
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That is interesting. Before buying from techno, I bought a white one from tropical_mobile (in which I sold quickly due to being D6653), who stated they were located in Tennessee, but shipped from Singapore. However, the phone was sealed with two white rounded "sealed" stickers on the box. The phone also was sealed in a clear plastic slip and had protective screens on both sides.
This whole Z3 deal has been pretty bad luck for me. Maybe it is not meant to be. But good news--the seller techno.trading.house got back to me, and is willing to refund me $20 for the dented power button, or do another replacement. I'm planning to take the refund, and live with it as I am sick of all the exchanges. Who knows, the replacement might have even weirder issues.

If you spend $500 plus on an item, you the buyer, have every right on this planet to be as picky as you like.
Nobody has to settle for anything less than perfection.
So no, you don't have to accept a defective camera, or flap or indeed a previously returned phone.
As I mentioned before but was lambasted in another thread, Sony may be using premium materials, but they are certainly not using premium construction. Not when some people have to go through six boxes in store to find a unit without light bleed and gaps.
I myself had two exchanges within the first two weeks. My first unit was simply not waterproof and had a leaky flap and my second one didn't charge on the magnetic dock and now I have light bleed but no energy to fight it anymore.
It's almost as bad as an iPhone. All my iPhone friends have had multiple exchanges... Some as many as 5 in a year.
Sent from my D6603 using XDA Free mobile app

More recent feedbacks to prove my point.

stop accepting being called a picky buyer.... ur paying top dollar for the phone, that said u should receive a product good for the purpose, if the camera doesn't work its not good
if the phone isnt water proof it isnt good
if there is a dent in the design it should state it before being bought. so it's not the buyer nor seller (purposely) its a unlucky sale.

I purchased mine at t-mobile. I paid 100% upfront despite being with t-mobile and they unlock it on the spot. When I registered with Xperia Care (sonymobiles product registration) I entered my IMEI and it has till Oct 2016 on warranty.
However on the 2nd day of owning the device The bottom speaker stopped working and was making a static noise. I went to my t-mo store I purchased it and they swapped it out. I didn't even pay a restocking fee. The manager said as long as I get the same phone and since I bought it back so promptly that he would just swap a new one. This one has been perfect since. Sometimes the convenience of having a store near by is better than having to deal with shipping my phone back and forth!
Alot of people dont want the tmobile Bloatwear but like I said, 32 GB + Local customer support outweight > No bloatwear & 16 Gig with mail in issues. (since i have no sony store near by, id still have to mail in for repairs and exchanges)

Me too, I'm glad I bought it from TMO with an EIP, exchanged mine 3 times on my 4th now, no hassles or fees.

Stolen U12+

Guys long ago i opened a new thread for the display at my U12 + and I found out that the phone was already used, probably by another buyer or RMA. I buy that from ebay from the buyer "kimbimobile"
The seller has not only been smart and has sold me a used and not new phone, but on the insertion is written that also sends a Re Cam, of course he did not send it, only after very very much messages and open complaint.
After the opening of the complaint Ebay said to send it all back and of course the seller said he only received the accessories and no the phone, the re cam that does not work.2 of 2.
Ebay now has at 10 days for the checks, but I'm afraid that gives reason to him, clearly he is cheating me, he and not the courier or otherwise, he signed the package at the time of receipt, it was not damaged
Now do not know what to do, I often get almost € 1000 for the love of HTC, I thought about opening this thread to look for help, surely those who buy an HTC is a geek or programmer (like me), or who work in IT.
I thought to write here code code imei 353222090 and the last 6 number those who buy the U12+ 128Gb Blue Translucent from Ebay.Surely he will put his HTC online again
Thanks

Ebay give me reason and my money back, now i want publish the 2 imeis for future readers.
The name of the sealler on ebay is "kimbimobile"
1. 353222090629653
2. 353222090629661
Who have this phone, the phone is back from RMA with the LCD changed and after sold me like new phone, already the phone have others more problems, again with the display.

I've never had a problem with eBay and the sellers there. If I didn't receive an item eBay will help with a refund. If something was defective the seller will make good on the sale.
I hope I never ever come across a scammer on eBay.
Sent from my coconut frond hut using Tapatalk

O/T but wow, I've been scammed on eBay several times that I can remember. Twice it involved substituting an older or lesser model for what was described -- these were cases where it wouldn't be obvious to the average person what was inside. (For example, a laptop with a slower processor.) It always seems to get resolved but the process can take ages. Be careful out there.