okay so basically i sold this iPhone on eBay for 728.73 and then i withdrew that money into my bank account then i moved it to another bank so the first bank now has 0£ in. then the phone apparently got sent to the wrong house and they made a claim agains

It sounds like you're in a complex situation involving the sale of an item, a payment dispute, and interactions with banks and eBay. Here are some steps you might consider taking to address this situation:

**Understand Your Obligations:** First, clarify the terms of the transaction with eBay and the implications of the claim. If the buyer claimed that the item didn't arrive, eBay's policies may have resulted in you being refunded or charged back.

**Contact eBay Support:** Reach out to eBay’s customer support directly. Explain your situation clearly and honestly, stating that there was no intent to defraud and that you believed the situation was resolved when you were credited. Ask if there are any options for clearing the outstanding balance.

**Document Everything:** Keep a record of all communications you have regarding this matter. This includes emails, messages, and notes from phone calls. These can be important if you need to dispute further claims.

**Seek Mediation:** If you are unable to resolve the issue through eBay or your bank, consider seeking mediation. There are consumer advocacy organizations that can help mediate disputes.

**Consider Legal Advice:** If the situation escalates, it may be worth consulting with a legal professional who can provide tailored advice based on your circumstances.

**Review Your Bank Statements:** Verify that all transactions related to this matter are accurate. If there are any discrepancies, address them with your bank immediately.

**Address Debt Issues Separately:** If there are outstanding debts, consider communicating with your bank about a repayment plan that accounts for your financial situation. They may have options for payment arrangements.

**Stay Informed About eBay Policies:** Familiarize yourself with eBay's seller protection policies, as these can provide insights into your rights and responsibilities as a seller.

Keep in mind that attempting to avoid payment on a legitimate debt can lead to further complications down the line. It’s important to navigate this situation carefully and seek solutions that do not involve dishonesty or avoidance of responsibility.