i hate to tell you but i also have a lot of experience with computers. yes, it is overpriced but only by about £300 but that price was on play.com i didnt make it up. The model of laptop i had, i paid 800 in total for the package some 6 years ago and was used 10 hours a day everyday without a moments problem, as i said i would have been very happy if it could have been repaired. the insurance company were happy to accept that valuation and i would have thought there people would have given them some idea of a value. i myself didnt expect that i just asked for another laptop new for old policy and i understand the prices have dropped sharply in that time. i hope people dont think i have ripped anyone off as they asked for a valuation i gave them the link they looked at it and said fine i would have been happy with any toshiba laptop, infact i purchased another tosh that day as a replacement. again i dont want people to think i ripped anyone off i just made the claim they decided a value

Right I rang up the Co this morning. As I expected the wanted to fob me off, but I stood my ground. I demand to speak to a supervisor and got put through to one. She was surprised it hadn't been sorted an within 10 mins it was sorted and a cash settlement agreed. Feel quite proud of my self for being a bit forceful.

Had a response from cc. Co stating an investigation and one from the court stating they are defending the action and asking for 28days Still nothing from the dealer

I am amazed that this Co. Can operate like this, but surely thy have to abide by the fsa rules I am ringing them again tomorrow as it 5 weeks since the accident but I expect to be fobbed off.

Well it's been over a month now since the accident and am still waiting for a response. I have sent emails that I have no response to so I don't know what to do it now

To keep you all updated the court papers have been sent so I will have to look out for the post. I won't hold my breath.

Thanks for your support. I will keep you informed of the out come.

Right I have commenced small claims court listing the dealer and cc Co. I have sighted the sales of goods act and section 75 I will let you know what happens.

Today I called the insurer to see what progress had been made, To be told Woman dealing with it off sick. Lost the pictures and the email I sent them Had to send it all again today Have to send the owners books I have recorded delivery at my ex pence

OK No reply from the dealer by the cut off date, letter from cc co saying there decition stands. I have phoned them and asked to rase the claim higher, still waiting for a call Looking like I will have to go to court listing the dealer and cc co

just an update still nothing from the dealer or the CC co they have untill the 18th so i will see what happens i will keep you informed

still waiting a week later for Saga to call back with a decision. I was told a week ago, they didnt give a time for when they would call, I dont know why they are dragging there feet i have supplied everything they have asked for, its just typical of companies today

it wasn't that i had to prove ownership that was expected, i have photos of me with the laptop, its the other questions not relevant to the claim i found disturbing. they asked if i had made any claims in the last 5 years i said no it was about 8 years ago, to be snapped back, just answer the question then some 10 min later to be asked what the 8 year old claim was for and who was the insurance co, to be honest i couldn't remember, then questions about my driving record. it was an interrogation i wouldn't wish on anybody

i can understand with the age mater, yes i would ring bells and it was £800 at the time.i wanted a good laptop that would do a lot of work and it is still available now http://www.play.com/PC/PCs/4-/3326899/0/Toshiba-Satellite-Pro-A120-187-Core-2-Duo-T7600-2-33-GHz-2GB-120GB-15-4-inch-DVD-SM-Vista-Business-Laptop-Notebook/ListingDetails.html?_$ja=tsid%3a11518%7ccat%3a3326899%7cprd%3a3326899 the only differences is this has a T7600 chip mine was the earlier T5600 this computer was as fast as any out now has been the most reliable i have used it for business every day for 6 years, i did tell them on the phone please fix it i want it back i dought a replacement would be as good

I just have to inform you of the way I have been dealt with by Saga Home Insurance. I had an accident at home, I tripped and fell on my laptop as I was going outside, as I am not the smallest of people not only did I look and feel too well the laptop was toast. It had a lot of damage but as I have accidental damage on my home insurance and have had for the last 15 years, I have only ever made one claim for a carpet the kids spilt paint on some seven years ago I rang Saga to see if I was covered. They arranged to have it collected by a company CIIS, in two days’ time. I asked if I could keep my hard drive as it had files on it I needed she said that’s fine. I expected a little delay as the bank holiday weekend was upon us and called Saga a week after it was collected. They informed me that the report from CIIS had arrived that day and a claims adjuster would call me. That day they called and arranged a telephone interview for a few days later. On that call I was asked several questions like the ones you have when you fill in the application form, then the questions started, have you had insurance before, who was it with, who was it the year before that, when did you buy it, how much was it have you got the receipt and more questions not relevant to the claim. I told her I paid cash for the computer some 7 years ago and didn’t have the receipt, she said they would need a bank statement to show the money withdraw I explained I didn’t have this and have moved banks since and didn’t think I had withdrawn cash from the bank to buy it. She demanded pictures of where the accident happened as well as the hard drive to show proof of ownership. I have the owner’s manual and original recovery disc, power supply but refused to give up my hard drive. Having been a victim of identity fraud as well as a computer security consultant I know how much data can be recovered from people’s hard drives. I have never been questioned in such away, I was made to feel like I was a criminal. I sent her the photographs of where I fell as well as the picture of the cuts and bruising I suffered, thanks to my wife who said to take pictures of my leg just in case. She informed me of receipt of the information and informed me they would investigate and wait for the final report from CIIS, who had sent a report a week ago so I don’t know what that is about. I rang today to be told they are still investigating and they didn’t know when a decision would be made. They are quick enough taking the premium but want you all to know, a cheap quote even off a supposed good company isn’t always the best.

right i have sent the dealer a letter before action letter today, as well as sending the CCco a further complaint, it looks as if they didnt even read the documents sent as they said i couldnt claim the full amount of the credit card payment. i have explained again its not the full amount just my costs, as well as that they say the dealer is not in breach of contract, so have explained the sales of goods act to them. middle of the month is when i decide if to continue action to small claim court

many thanks i will take a look

i have taken legal advice through the service on my home insurance, they advise that legal action will be required i have a 100% case for the brakes, as they say who is better than a Main Dealer who built the car to inspect and decide what is right. i have 75% chance on getting the road tax as it his word again mine, but you do have the advert showing it listed hence the 75% 0% for compensation for loss of use, unless i can provide receipts for my costs , taxi etc. i also addressed the CC co , i should escalate the complaint to them and explain its not the full amount of the charge just the costs at the same time as the legal action on the dealer. so if any on has ideas of what to put in the letter it would be appreciated

hi i have had a telephone call from the CC co today saying they cant do anything as they spoke to the dealer yesterday and he said it was fine on the MOT and he offerd to look at, "after i contacted the CC co after ignoring my first 2 letters", also he told me about the road tax and they say its his word against mine. they now say they would need an independent inspection of the vehicle, i told them as it was now fixed that was pointless and it had been inspected by the main dealer who condemned the brakes. i asked about the false advertising, they said its my word against his bottom line is they wont pay my costs incured. i now intend to write a letter before action to the dealer outlining my costs and as i could not use the vehicle for 11 days compensation for that loss, would a figure of £50 per day seem ok it looks like i will have to go down the route of county court to get back my costs

just to keep you updated .....still nothing from the dealer and still waiting for a response from the CC co

yes everything i had, copies that is

update well i have had a letter from the CC co thanking me for the information i sent them and they are investigating it and i will know in 10 working days. as for the dealer,,,,,, nothing ,,, zip ,,

yes i have a copy of the advert from auto trader printed on the day i went to see it and left my deposit

i will let you know when anything happens

CCco asked if they could contact the dealer on my behalf, i am assuming that was what fired him in to responding but i have informed him in my last letter that the CCco was on the case