It's an HP. Just over a year old. They were referring to the connector on the motherboard that the screen plugs into.

Thanks for the replies. Yes, he's referring to the connector on the motherboard that the screen slots into. He was deliberately vague about this though thinking he could bamboozle me with jargon. I don't want to take the laptop apart to look as I'd rather a pro inspect it first. The fault seems logical to have happened when they replaced the screen. I'll write to them as mentioned and take it from there. Thanks both for help.

I'm hoping for some advice on this one. Our two year old stood on the screen of our laptop and cracked it in the top corner. We took it in for repair and a few days later received a call stating it was ready for collection. On collection and payment, the person at the repair shop stated that they didn't have the correct charger and so couldn't demonstrate it working but that they had replaced the screen and all was good. At the time I thought this strange as it's a standard HP adaptor. We got it home plugged it in and sure enough the scree didn't work. I took it back to the shop and they said they would take another look. They were a little shady about this... The assistant said it was probably a faulty connection, but was corrected by the owner who butted in rather nervously and quickly stating it could be a faulty component. Anyhow they took it back and I was told it could be collected the following Monday and that they would call. The following Thursday, having received no call, I called them and was told it was not able to be repaired as it had a faulty graphics port. I wen t and collected the laptop that day and asked how it had happened. The owner became very defensive and said it was and act of god and just one of those things. That it would need a new motherboard to fix it. I protested that the fault was a crack to the screen and that the only people playing with the graphics port would have been the shop when they were repairing it and that the damage could not have occurred by a 2 year old standing on the top of the screen. To cut a long story short, the old screen was put back in (interesting they still had this 3 weeks after they initially replaced this) and they refunded me the £85 repair fee. However, I would like to pursue this to get them to take responsibility for the fault caused whilst in their care. How can I best go about dealing with this?

Last year I was changing jobs and moving away from London. As I would no longer be relying on public transport to get to work I needed a car. I've not had any credit for over 7 years and so only my bank account showed on my credit report so I had minimal credit history, although a very good one according to the 3 CRA's. Although I did have some debts over 6 years previous but these no longer showed on my credit file and were not with Lloyds. I therefore turned to my bank. Their branch staff showed that their system would allow a loan way above my requirements and so I applied for a loan to meet my requirements and well under their limit. The guy processed the application and it declined. I queried this and he contacted Lloyds' lending team who stated that something negative was on my file and that they would not offer a loan - even for a smaller amount. I queried what the negative was as my account had been managed in very good order with the exception of one month where I went over my small £100 overdraft limit due to a DD hitting the account later than expected ( i thought it had been paid already). They refused to give me the reasons, hiding behind the fact that the do not have to do so. I asked that they investigate the negative and assured them there must be some mistake as my credit file was good and that they could see over £2000 a month going into the account and that on the whole the account was managed well. They simply said that as I had gone over my limit recently they wouldn't even look into it further. I suspected this was an excuse that they didn't want to tell me. They did however offer me an overdraft for the loan amount, at a far higher interest rate and a far more irresponsible way of lending. I had no choice and took it. Recently, I went over my o/d limit by a few quid and although they refunded the charges, I queried that had they given me the loan in the first place I wouldn't be in the situation where I had such a high o/d. I therefore raised a complaint. Their complaints team still won't divulge why they wouldn't lend the money via a loan but only an overdraft and what is on my file with them or a 3rd party that is having such a negative effect on my credit score. I have checked Experian, Call credit and Equifax and my credit score is excellent with no negatives at all. My question is how can I find out why they are scoring me in this way - even their system said I was ok? And, is their lending via o/d and not a loan covered by BCOB? They are clearly not treating me fairly and by managing my lending via an o/d rather than a loan, I can't be doing my score with them any good - in fact it's irresponsible to lend a long term debt in this manner. Any thoughts on where to go with this? I don't really want a loan as I'll clear the o/d in a couple of months anyway through my company bonus but do want to find out why they have me as blacklisted when the CRA's have me down as excellent. I would move banks but am looking to get a mortgage in a month or so and don't want to damage my credit rating by moving banks.

Hi all, I have a linked address that I have never lived at but that a company I'd never heard of (NCO Europe) was linking me to showing on my credit report. The same company was still trying to link me to old addresses from over 10 years ago. I have since found out that this company is a DCA although can find no reason that they should be confirming me living at addresses in the past 4 years that I haven't lived at for 10 or more or not lived at at all. I have notified the CRAs concerned and they have contacted NCO to request they are removed but the requests have been refused by NCO (according to the CRA). I have written to NCO requesting they are removed but have not received any response. What are my next options? I would like to take the legal route now to get these forcably removed. Is there anything I should be doing before going down this route and what legal options are at my disposal? Many thanks... EDIT: I have no outstanding debts with anyone and NCO Europe do not appear to be chasing me for anything.

It's possible they have credit from my historical problems. Yet on their systems it said I was good to go. Behaviour was excellent etc. Can they use data that is over 6 years?

After tidying up my credit report and getting errors removed and now showing as having a good rating, dispite a couple of blips of 2 missed payments in 2007, (no default) I have gone to get a car loan today and been declined. When the bank did the credit check it came back as a lfat decline dispite me having a great rating with them. They used Experian and Call Credit both of whom show me as having a good rating. Why could this be? Are there 'hidden' entries on a credit report, that mean lenders searches will decline based on certain information contained within the report that would not show as a negative entry?

Can anyone point me in the direction of some template letters I can send to both CRAs showing searches for Statute Barred debts on table one of my file unlawfully and/or to have this information removed by the CRAs themselves? Thanks...

Can someone confirm that the CRAs have to update the files with electoral roll info within 30 days, and is there a template letter I can send to tham demanding compensation if they haven't done this? Thanks....

I received my credit report back in March from all 3 agencies and none had me down as being registered on the Electoral Roll. On contacting my local authority they confirmed that due to an administerative error on their part I was not showing and promtly sent me the relevent documents to fill out. These were sent back and I was on the electoral roll by the 12th April. I contacted the CRAs to get their information updated and was informed that they have to wait until it is issued out by the local authority and they then have 30 days to update their records. I contacted the local authority again who confirmed that they would publish the updated roll on 26th April. Today I have gone to access my reports and I am being asked to now provide proof of address before they let me see the report - I wasn't asked for this before. It seems I'm being messed around, but more concerning is that as of today at the latest I should be now seen as on the Electoral Roll. If I am not then surely the CRAs are acting unlawfully and I have grounds to take a legal route in order to get this sorted. I start a new job in 3 weeks and need to purchase a car. If the CRAs do not show me as being on the Electoral Roll, getting a car loan is either going to be very expensive or not possible and so time is not on my side. Any advice?

I want to write to the DCAs who are doing this to attempt to get them to stop and remove their searches. For them to do this they will need a copy of any credit agreement that I have signed giving the original lender permission to conduct a search on my credit file. I doubt they have this. Do any of you know of any solicitors who I could hire to write such letters so that I do not have to give my home address - the last thing I want is these guys trying it on by knocking on my door?

Thanks for that, I will take a look. ...and good luck with the surgery! I find it hard to understand how, after a debt can no longer be chased, (the six years passed last August and these searches are since that time) the DCA can still place a search on my record. Can they carry on doing this for the rest of my life? Surely there has to come a time when they can no longer place such searches without them being unlawful?

What are the ICO's 8 paramenters?

I have no doubt that these searches were done to try to show other lenders that I have had outstanding debts in the past. Thanks guys for clarifying that. Questions is, is this unlawful or not and whether I can have them removed. These debts in question are over 6 years old and I have never given these companies my permission to carry out such searches, nor instructed them to do so; although I would have done with the original creditor. Also, is there any course of action that I can take that will allow me to stop such searches being made in the future?

Thanks for the responses...