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    • First of all it sounds as if your retailer is very decent and very responsible. This itself is unusual in these kinds of circumstances and I think we need to bear this in mind. The guarantee is not particularly relevant and in fact the dealer had a statutory duty to exercise a certain responsibility for your computer – probably for several years as their obligation under the consumer rights act. The dealer may not have known this and it simply acting out of a sense of moral responsibility and that is even more noteworthy. You've already suggested earlier that you didn't really want to cause problems for your retailer. I think that you will need the help of your retailer as well in order to get information and evidence. I suggest that you proceed against DPD – but before you do that – I suggest that you have a discussion with the retailer. Tell them that this is what you are going to be doing and you would like to have a copy of anything they have which relates to the special instructions which apparently your dealer has already informed you about in relation to where item should be left. Secondly, maybe you should tell your dealer about this site and also about this thread. I can imagine like many dealers who are frequently sending items by means of couriers, they have had things go missing. Tell them that we will be very happy to help them recover money for lost or damaged or stolen items – and that is regardless of whether or not they have purchased insurance. Apart from being very pleased to help your dealer recover items which have been lost by irresponsible parcel delivery companies, I think we need to encourage the complicity between you and them so they will be pleased to support you in your claim against DPD. It will be helpful if you can get a copy of the instructions that you have referred to above, and also if you can get some written evidence of your own instruction that your laptop should be left in a safe place. Have you done the reading on this sub- forum? You will need to do lots of reading of many of the similar stories on this sub- forum. They won't necessarily be against DPD but the principles will broadly be the same. Also read the pinned topics at the top of the sub- forum in order to understand many of the principles involved. Getting your money back but be quick – but your chances of success are better than 90% that you can bank on it taking anything up to a year. Have you got anything in writing from DPD either refusing you or telling you that they won't discuss with you?  
    • Thank you for telling us the text of the letter you had from the police. As we don't seem to have come across this before, it would be really useful for us to see the original please. HB
    • Pasco has recalled 104,000 packs of sliced bread after rat remains were found in at least two packs.View the full article
    • UPDATE I went rooting through an old box of paperwork I have and I've found the original Default Notice. It is dated **/**/201*, however.. The copy of the Default Notice that they sent with the LBC has a completely different date on it 😮 Can they issue 2 default notices for the same debt? Where they have changed the date on the copy, they have also changed the amount owed through failed payments and how much is required to be paid by a certain date. In addition, they sent (with the 1st LBC) a copy of the termination of the agreement, which I cannot find the original. However, the termination date is 3 days after the date given on the (doctored) Default Notice, by which monies are to be paid by. So, they gave until the 'x' date to pay the arrears, then terminated the agreement 3 days later. I bet a dollar to a dime they've doctored the termination date also.
    • Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LBC and neither was it sent with the last one either. .  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since that, until this court claim arrived. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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A&L loan help please


Madge67
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I took out a large A&L loan in 2007 to consolidate etc etc etc - you know the story. The application was made via telephone and they sent the forms via post for me to sign, which I did. I have recently CCA'd Santander who took over A&L. and thry have duly sent me a copy of the orginal agreement.

 

The agreement includes amounts for PPI which I had crossed through those and specifically stated on the back of the agreement that i did not wish to purchase PPI. I will scan the Agreement and post it tomorrow for your thoughts. It looks ok to me.

 

My beef with them is that I hit financial probs in 2008 and offered reduced payments which they accepted for a while. I wasthen advised that as i could not afford to pay my arrears they swould be looking for a CCJ to apply a charging order on my property and it was only a formality and not to worry, to keep making reduced payments. I was so naive at tthe time and just went along with it. I had just had a baby and had no idea how to deal with things like this. It was utter madness as our house was (and still is) in negative equity so the order is worth zilch to them.

 

I am continually pursued by Shoosmiths who state they are delaying with the debt. Im just wondering where I stand on this - I know it's a bit of a imppossible question to answer at the moment but I thought it important to get a thread started in the hope that someone has been through a similar thing with A&L or another bank.

 

I will send an SAR to Santander to see if there are any flaws in their processes. I just wonder if its all too late beings as the CCJ has already been awarded.

 

Madge

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  • 6 months later...

Just to update this thread. SAR docs were sent to me on 03/11/12. Contained very little info and only related to most recent loan which was taken out in 07. I had several loans with Alliance and Leicester and am certain there would have been PPI on them. Sadly I have no records - DOH!. Santander are saying that they have destoyed all info prior to this. I dont believe this for one minute so failed SAR letter to go tomorrow demanding the info or records of destruction dates, authorisation etc. I will keep you posted as to what comes back (if anything). Id love to hear of anyone in a similar position who has won their PPI claim. I didnt want to just submit a 'just in case' claim. Its far better to have the info to hand .

 

Madge

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  • 3 weeks later...

Hi guys just an update,

 

Ive recd a letter today from Santander stating the historical information can only be retained for legitimate reasons, therefore some personal data may no longer be held as it has been deleted in line with our retention policy. We can however confirm that we have sent you all the personal data that we still hold in relation to the customers account.

 

Im unsure what to do next folks. I had a feeloing they would do this. Should I be SAR'ing Alliance and Leicester maybe as these were who the loans were with?

 

I know I had many labs with A&L and they are bound to have PPI ont hem that I want to claim back

 

thanks

 

Madge

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Can anybody advise on this please. Should I send an SAR to A&L for old loans even though Santander had taken over the latest loan. I am pretty certain I had PPI on the old loans but Ive no iodea how I can find out without an SAR,

 

Cheers

 

Madge

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  • 3 weeks later...

Well ive been searching high and low for any kind of references and even resorted to asking my bank for old statements which they duly sent.

 

This paid off and I have at least one ref number for the old A&L loan. Next question is - where the blinking heck do I go from here? I have already SAR'd Santander who only sent the very latest loan details. Should I write back to them 'with reference to my previous SAR request' and give them the account numbers now that i have them?

 

Any advice is really appreciated

 

Madge

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  • 1 month later...
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