consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ


CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 185,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> General Consumer Issues


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 24th November 2006, 13:44   #21 (permalink)
rosiecotton
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 878
rosiecotton Informativerosiecotton Informativerosiecotton Informative
Default Re: Laptop Lifespan?

Quote:
Originally Posted by StoneLaughter View Post
Can you point out the specific parts of the legislation which PREVENT Ellie getting a full refund?

Yes, these are the parts I would flag up:

Section 35 (4) of the Sale of Goods Act 1979, as amended by the Sale and Supply of Goods to Consumers Regulations.
The buyer is also deemed to have accepted the goods when after the lapse of a reasonable time he retains the goods without intimating to the seller that he has rejected them.

This reasonable time in cases such as Ellie's is generally quite short and only there to allow the consumer to check the goods for defects upon purchase. So we can say that Ellie will be seen to have legally accepted the goods. After legal acceptance has taken place, the consumer loses the right to reject the goods for a full refund.

Now, the remedy for claiming a refund after acceptance has taken place is rescission of the contract.

Part 5a of the amended Act (the Regulations) states:

48(C) (3) For the purposes of this Part, if the buyer rescinds the contract, any reimbursement to the buyer may be reduced to take account of the use he has had of the goods since they were delivered to him.

Therefore, if Ellie is after financial compensation, she would need to go for rescission of the contract, which will have to allow for the use she has had from the product (at least six months, before it went wrong).

To be honest, if I was the trader in this case and I had a customer with a laptop which had died so dramatically after only 6 months, I probably would have offered a new same-model replacement if it was available. However, not all traders will do this, some may see it as disproportionate and offer a repair or rescission, and unfortunately consumers cannot force a trader to provide a particular remedy if they can reasonably argue that it is disproportionate. It is entirely possible that a judge would agree with this, although some may be more sympathetic towards the consumer.

Last edited by rosiecotton; 24th November 2006 at 13:45. Reason: removing italics
rosiecotton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th November 2006, 13:58   #22 (permalink)
Mark_Blackpool
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 113
Mark_Blackpool Novitiate
Default Re: Laptop Lifespan?

Just to add a cautionary note: from my own experiences and those I've worked with, hard disk drives are especially prone to failure in laptops, probably because they get so hot and are one of the few moving parts. With regular (daily) use I tend to find that a hard drive will last about 18 months.

Fortunately they're easy to replace and not that expensive (circa £50 for a 60GB one) - but do back up the data often.
Mark_Blackpool is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th November 2006, 14:02   #23 (permalink)
StoneLaughter
Platinum Account Customer
 
StoneLaughter's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 2,722
StoneLaughter AuthoritativeStoneLaughter AuthoritativeStoneLaughter AuthoritativeStoneLaughter AuthoritativeStoneLaughter AuthoritativeStoneLaughter AuthoritativeStoneLaughter AuthoritativeStoneLaughter AuthoritativeStoneLaughter Authoritative
Default Re: Laptop Lifespan?

@Rosie

OK, now we're getting somewhere. I concede that there is legislation to back up your position. HOWEVER; the outcome of any dispute is ultimately at the discretion of a Judge (which you have mentioned yourself). I happen to believe that if Ellie's case came to court and was presented appropriately and with some skill, it would be sufficient to convince the Judge that a full refund was appropriate. Perhaps I didn't make my meaning that clear before; but neither did you - you seemed to imply that a full refund was impossible or at best extremely unlikely. My meaning is that I believe a Judge in a small claims hearing would accept Ellie's case and award a full refund or at least minimise Ellie's required contribution in the case of a partial refund. I do not believe that he/she would require a "significant" (i.e. more than 15%) contribution.
__________________

Tom

Stoneblog Prime

Total £1201.24 successfully reclaimed in several actions.
My private messages have had to be turned off because people STILL asked me to support them by PM.
Research what I tell you from other sources. I will not be responsible for the consequences of you following my advice. If in doubt consult a qualified, insured legal professional.
StoneLaughter is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th November 2006, 14:12   #24 (permalink)
rosiecotton
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 878
rosiecotton Informativerosiecotton Informativerosiecotton Informative
Default Re: Laptop Lifespan?

No, I do absolutely agree that six months use is pretty low, and the company certainly wouldn't have any reason to withhold a sizeable chunk of money. And yes, ultimately only a judge can decide what that reasonable amount is. If I were a judge (which I'm not!) I would not award a full refund on this case, but I would indeed make the contribution a reasonably small one bearing in mind Ellie has only been able to use the laptop properly for about six months.

I tend to stick to the letter of the law, which of course not all judges always do - some are more sympathetic than others, so if it does come to court there's no harm in aiming high. I just wanted Ellie to be aware that she's not guaranteed a full refund in law, as some of the posts here seemed to be implying (no offence if it wasn't meant to be read in that way).
rosiecotton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th November 2006, 16:30   #25 (permalink)
JonCris
Platinum Account Customer
Default Re: Laptop Lifespan?

Quote:
Originally Posted by StoneLaughter View Post
No - actually it muddies the waters even further. Within six months of purchase, in deciding whether or not a full refund is applicable, the retailer is to prove that the item was NOT faulty at sale. AFTER the six month period, the onus shifts to the consumer to prove that it WAS faulty at sale. The SOGA may not provide for "Betterment" however it specifically provides for an item to be replaced or a full refund offered in cases where the item was faulty at sale. Our belief is that Ellie has a strong case and can easily prove to the satisfaction of a Judge that the item was faulty at sale - and therefore is entitled to a full refund or a replacement of equivalent spec. That doesn't mean that she can get a brand spanking new machine, better than the old one, unless that spec is no longer available in which case an item of equivalent value can be substituted.

Can you point out the specific parts of the legislation which PREVENT Ellie getting a full refund?
Correct Tom some people are missing the point. Under common law there are 2 overiding factors 1st is that any claimant MUST seek to mitigate their losses 2nd the negligent defendant IS required to reinstate the claimant to the position they where in pre incident.
Also there are a number of factors which decide this.
Is the machine repairable to it's original condition. (Also it should be noted that contrary that what is claimed by sellers if a major component is replaced then the warranty time cycle begins again on that part)
Does the replacement machine offer the same functions as the failed one. If not then the nearest spec machine would be supplied irrespective of cost.
For example you might need WIFI cos you use your laptop on the move & if the replacement doesn't offer WIFI you can demand a replacement that does even if it costs more.
In the case of a laptop they could offer an equivilant of simular age but they would still have to offer a comprehensive guarantee so it could actually be cheaper (bearing in mind the markup) for them to supply a new item which will be covered by a manufactures guarantee

rosiecotton
Noone me included is saying it IS the law that she will receive a full refund. What I am saying, as are others I believe, is that depending on the circumstances there is NO reason why she cannot be awarded FULL restitution. & a full refund after six or even 12 months months use is really 'a no brainer'. I would even go so far as to say a full refund or replacement after 2 years would not be untoward. Such awards happen all the time

Claimant on benefits 2 year old washing machine packed in. Dealer tried to demand a financial contribution for a replacement. Demand refused claimant no funds, NI issued. Court award brand new machine of same spec with full warranty

Last edited by JonCris; 24th November 2006 at 16:47.
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th November 2006, 23:02   #26 (permalink)
rosiecotton
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 878
rosiecotton Informativerosiecotton Informativerosiecotton Informative
Default Re: Laptop Lifespan?

If you're aware of cases where this has happened after a fair bit of time then fair enough (I'd also be really interested to look at these cases as I'm a bit of a sucker for case law, sad sack that I am).

I would say that at the moment I'm not aware of any though, especially not after 12 months, and that's why I'd hate to get peoples hopes up that they are likely to get a full refund, in my experience this isn't what the courts generally offer where there has been use of the product.

Always happy to see cases that are different to those I have worked with though!
rosiecotton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th November 2006, 01:41   #27 (permalink)
JonCris
Platinum Account Customer
Default Re: Laptop Lifespan?

Each matter has & continues to be settled in the county courts on a case by case bases.

The main factor in acheiving a satisfactory settlement for the claimant is how the case is presented to the court. If the case is presented expecting the lowest common dominator to apply than chances are that is what will be achieved.

I would agree that if you have had 2 years plus use then it would be difficult making a case for a full refund or FOC replacement, but not impossible. It would depend on many things, not least usage & whether or not the claimant can actually afford to make a contribution
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 1st December 2006, 11:29   #28 (permalink)
ellie1997
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 32
ellie1997 Novitiate
Default Re: Laptop Lifespan?

Smallish update! hubby had a telephone call earlier from Dixons Customer service, they had recieved our first letter in which we asked for a full refund and outlines why.
CS guy was rather arrogant and said we wouldnt get a refund. Husband quoted the SOG act which rattled CS guy a bit, but nothing was resolved. LBA will go out next week.

In the meantime, Laptop is STILL with repair center and I believe 28 days is up on Tuesday. Question is, do I accept the code and choose another laptop from Dixons, or do I fight for my full refund and head to Dell?

Im now starting to fall behind on college work as I havent got a computer I can use at nights when Im in. At least if I take the code I will have something to use.

Advice???
Jane
x
ellie1997 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 1st December 2006, 13:10   #29 (permalink)
rosiecotton
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 878
rosiecotton Informativerosiecotton Informativerosiecotton Informative
Default Re: Laptop Lifespan?

You need to act reasonably and if a replacement laptop from Dixons is offered I think you would do well to take it, if it's of a suitable spec and not something cheap and nasty. That's my personal opinion and I assume you do still want a laptop. It's too late to simply reject the goods and claim a full refund, so you'd instead be going for rescission of contract, and as you can see from my posts above, which I have copied again below, the law states that if you rescind a contract you have to take into account any wear and tear you have enjoyed from the product. So regardless of what's been said here, in my experience and opinion, a full refund is unlikely

Quote:
Part 5a of the amended Act (the Regulations) states:

48(C) (3) For the purposes of this Part, if the buyer rescinds the contract, any reimbursement to the buyer may be reduced to take account of the use he has had of the goods since they were delivered to him.
That's a simple statement of the law, and a judge will obviously have to be taking this into account.


It would be totally wrong of me to suggest that in your case you would definitely have a strong argument for a full refund, although any amount taken off for wear and tear should not be too extreme as you've only had 6 months proper use from the item before it went wrong.

If they're offering you a reasonable replacement, then personally I'd take it as the only alternative is to go to court for a possible partial refund, there is always an element of risk in going to court and you may find that your award isn't enough to buy a laptop of the same spec as the replacement outright.

Judges have to be impartial, and they'll look at what the trader has offered and whether you've been reasonable in your requests just as much as they will look at whether the trader has acted reasonably.

It's entirely your decision though!

Last edited by rosiecotton; 1st December 2006 at 13:18.
rosiecotton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 1st December 2006, 18:23   #30 (permalink)
Rich44
Platinum Account Customer
Default Re: Laptop Lifespan?

do NOT buy a dell laptop we've had dozens of them recently and 75% of them had to go back within a week of delivery because of random blue screens - we changed the memory which fixed the problem for a few days then it was back again they seem to have a problem with either their memory controllers or their supply of DDR2 SO-DIMMs

As for the original laptop sadly these things are like everything else they either last years or fall to bits quickly.

Hard drives in laptops dont tend to get terribly hot as most of them only spin at 4200rpm but as its a mechanical part its just one of those things.

The power supply probably overheated and burnt out possibly caused by the motherboard fault however it depends on what is actually wrong with it.

As for it being repaired the motherboard fault (if correct) would be more than it was worth anyway

Good luck with it
Rich44 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd December 2006, 03:30   #31 (permalink)
JonCris
Platinum Account Customer
Default Re: Laptop Lifespan?

Quote:
Originally Posted by rosiecotton View Post
You need to act reasonably and if a replacement laptop from Dixons is offered I think you would do well to take it, if it's of a suitable spec and not something cheap and nasty. That's my personal opinion and I assume you do still want a laptop. It's too late to simply reject the goods and claim a full refund, so you'd instead be going for rescission of contract, and as you can see from my posts above, which I have copied again below, the law states that if you rescind a contract you have to take into account any wear and tear you have enjoyed from the product. So regardless of what's been said here, in my experience and opinion, a full refund is unlikely



That's a simple statement of the law, and a judge will obviously have to be taking this into account.


It would be totally wrong of me to suggest that in your case you would definitely have a strong argument for a full refund, although any amount taken off for wear and tear should not be too extreme as you've only had 6 months proper use from the item before it went wrong.

If they're offering you a reasonable replacement, then personally I'd take it as the only alternative is to go to court for a possible partial refund, there is always an element of risk in going to court and you may find that your award isn't enough to buy a laptop of the same spec as the replacement outright.

Judges have to be impartial, and they'll look at what the trader has offered and whether you've been reasonable in your requests just as much as they will look at whether the trader has acted reasonably.

It's entirely your decision though!
If you recind a contract due to non-performance such as SOGA "not fit for purpose" then wear & tear does not have to be taken into account. Unless you have been able to use the goods fault free for a reasonable amount of time which in the case of a laptop could be considered to be anywhere between 3-5 years.
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd December 2006, 10:57   #32 (permalink)
rosiecotton
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 878
rosiecotton Informativerosiecotton Informativerosiecotton Informative
Default Re: Laptop Lifespan?

Please do read Part 5a of the Sale and Supply of Goods to Consumers Regulations 2002 which amended the Sale of Goods Act 1979, section 48 (C) (3) as I have posted above.

It's quite clear that it intends wear and tear to be taken into account from the time of delivery, if the consumer rescinds the contract.

The less use they've made of it the better, of course, but you would not expect a full refund after a year of use unless the judge is feeling exceptionally nice that day - it's certainly not what the law says.
rosiecotton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd December 2006, 16:53   #33 (permalink)
tim2718281
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 368
tim2718281 Informativetim2718281 Informativetim2718281 Informative
Default Re: Laptop Lifespan?

Quote:
Originally Posted by blueskies View Post
I am not confusing anything with the recent change in the regulations regarding proving fault. If a customer has had reasonable use of a product as they have in this case for 6 months, then the retailer is not compelled to give a full refund. They can reduce any refund paid by a reasonable amount to reflect the use.
I am not a lawyer, but I have read the DTI guidance on the Sale of Goods Act.

I think there are two separate aspects of the law being run together here.

If goods do not conform to contract at the time of sale, purchasers can request their money back "within a reasonable time". There is no fixed "reasonable time" ... it will depend on the circumstances.(*)

If the purchaser has not claimed their money back within a reasonable time, but the goods were defective at the time of sale, then they can request repair or replacement. Only if repair or replacement are not possible or too costly can the seller provide instead a partial refund, in which case the refund will reflect the use the purchaser has had.

So I would say you are wrong; the customer's entitlement to a full refund does not depend on whether they have had reasonable use, but whether they are claiming the refund in a reasonable time. If they are not claiming within a reasonable time, the seller is obliged to repair or replace the item - and in the case of a laptop, I think it will never be too costly to replace it, so I think the seller will never be entitled to provide a partial refund instead of repairing or replacing the item.

Tim

(*) Personally, I don't see how the purchaser can be expected to request a refund until after the fault has become apparent. So if the defect present at the time of sale was such that the laptop would stop working after say two years, I'd say it was reasonable for the purchaser to request a refund when the laptop did stop working. And if retailers don't like that, they should make arrangements with their suppliers, which make the suppliers liable to the retailers. And if the suppliers don't like that, they should stop supplying defective laptops. I can't see why the purchaser should agree that it is not reasonable for them to get their money back for defective items, simply because they will be unaware of the defect for a couple of years.
tim2718281 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd December 2006, 17:20   #34 (permalink)
rosiecotton
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 878
rosiecotton Informativerosiecotton Informativerosiecotton Informative
Default Re: Laptop Lifespan?

I understand why you feel this way, Tim, but if a consumer has full use of a laptop for two years, then has it replaced with a brand new laptop, they are effectively in a better position than they would have been in had the laptop never been faulty. So that's why rescission takes into account any wear and tear that the consumer has enjoyed, in order to try and keep things balanced and fair. While the law does provide pretty solid rights, it doesn't allow for betterment (ie the consumer to end up in a better position than they would have been in had there not been a breach).

As for your other point - what you have stated is totally correct with regard to the Sale of Goods Act - once the reasonable time for rejection has passed the trader can offer in the first instance either a repair or replacement item, whichever is most reasonable (for example, a consumer cannot demand a replacement item if a repair would cost the trader far less to do).

However, if the repair or replacement item fails or isn't possible, then the consumer can move on to rescission as a viable remedy.

Hence, if they have a go at repairing the fault and it's still there, you can then move on to rescission - the partial refund.
rosiecotton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd December 2006, 17:59   #35 (permalink)
tim2718281
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 368
tim2718281 Informativetim2718281 Informativetim2718281 Informative
Default Re: Laptop Lifespan?

It's worth noting that the customer is also entitled to compensation.

So if the store won't provide a replacement or offer a full refund, the customer might as well estimate how long it is going to take them to reinstall software on a repacement machine, and ask for reasonable compensation at say £10 an hour.

It may well be that the amount of compensation exceeds the original cost of the laptop.,

Obviously if the store were to provide a brand-new laptop, an honest customer would assess how much better off they are as a result, and deduct that from the amount of compensation they would claim. This might reduce the compensation to an amount that is not worth claiming.

Tim
tim2718281 is offline  
Digg this Post!Add Post to del.icio.us