I didn't call you a liar; I said I don't believe you -- and I don't.
Here's the difference: I don't know for a fact that you're not telling the truth, and so I don't know that you are lying.  (When I call Trump a liar, it's because he is lying -- flagrantly, openly, regularly, unapologetically; I don't hesitate to say so.)  But you asserted a personal experience in support of a debating point; you could be telling the truth, but I don't believe you, and I won't pretend that I do.  
<You pretty much don't know what you're talking about. Again.>
Now you're just being silly.  Again.