Perfect. Thanks. I received a cheque for £75 yesterday from RM, in way of compensation, value of the router and cost I paid for the failed service. I'm very happy. Cheers Al

Is the following true? File sharing claims update (ACS Law Website - Accessed 10:17 hrs, 01 02 2010) "Cases involving the infringement of copyright are held in the Patents Court in London, and as they are automatically assigned to the multi-track system, we are able to claim our client's legal costs should we succeed in court. Should you now wish to settle, please contact us early in the New Year." Are they saying that if they take you to court, it won't be the County Court, rather it will go straight to the multi track?

Thank you Buzby. I shall do as you suggest. Al

Hi I sent a broadband router back to Zen Internet (within the 7 day cooling off period). Zen provided me a return address (Net Lynk Group). Zen are refusing to refund me £70 I paid for the router. I sent the thing Royal Mail Special Delivery. I took photos of me packaging the item, and the finished packaged addressed item. Track and trace says it was delivered. Zen say it was not delivered. I've asked RM for a signature, they have written back saying they are very sorry for letting me down, but no signature was received. Where do I stand now getting my £70 back? Zen will put me to proof that the item was delivered back to their agent (Net Lynk Group). Should I put in a claim against RM, or against Zen? I'm aware there is some legislation in place that makes taking legal action against RM hard. I suspect RM will be very slow to act if I do put in an claim. Indeed, the lady I spoke to was admient the parcel was delivered. So, the position is that RM claim the parcel was delivered (but don't have a signature to prove it). Zen Internet claim it was not delivered. This is very fustrating, I sent the thing Special Delivery and even took photos as evidence. What more could I reasonably do? Cheers Al

I don't think a resonable person would expect a modern laptop PSU to last only 2 years. Would have thought you have a case under SOG, but then again - it might be less hastle to purchase a 'generic' PSU

No problem. I was kind of 'sucked in' when I was in the showroom getting my new car. I managed to cancel the policy in time and I have a written letter saying it is cancelled. The issue is the Policy was £499 (I don't have the letter in front of me) and interest another near £200. They have sent me a cheque for £499, but the full amount including £200 interest is still on my finance policy. I guess they thought I would just forget about the interest!

Hi I sent a broadband router back to Zen Internet (within the 7 day cooling off period). Zen provided me a return address (Net Lynk Group). Zen are refusing to refund me £70 I paid for the router. I sent the thing Royal Mail Special Delivery. I took photos of me packaging the item, and the finished packaged addressed item. Track and trace says it was delivered. Zen say it was not delivered. I've asked RM for a signature, they have written back saying they are very sorry for letting me down, but no signature was received. Where do I stand now getting my £70 back? Zen will put me to proof that the item was delivered back to their agent (Net Lynk Group). Should I put in a claim against RM, or against Zen? I suspect RM will be very slow to act if I do put in a claim. This is very fustrating, I sent the thing Special Delivery and even took photos as evidence. What more could I reasonably do? Cheers Al

thanks guys. Lets see what they come back with. I can't believe I was so stupid to agree to a £400 Gap policy at the showroom. I've found one online with higher cover levels for £140. Cheers Al

The garage is not named in the HPA contract. Agent they may be, but not according to the agreement - therefore I don't recognise them as party to the contract. I've written to the HPA company advising them they are joinly liable as per s75 Consumer Credit Act. I've enclosed a copy of the confirmation of cancellation for GAP insurance (for which they are joinly liable as the HPA finances this). If they want me to deal with the garage as their authorised agents, then they can put it in writing to me. As it stands, I'm paying interest on a service I don't have. It is my understanding that a basic, fundamental tenant of s75 Consumer Credit Act is that no consumer should be in the position of paying for goods or services they have not received / or are not of satisfactory quality. I will see what they come back with.

Thanks. I bet the garage get apaid a decent chunk of that interest up front from the finance company, hence their cheque for the net value , excluding interest. I'm going to write to the finance company and put them on notice that the insurance is cancelled and that I want confirmation they are ammending the agreement. I don't see what the garage has to do with the finance company. The contract names me and FIAT Fianance, not the dealership. I thought the spirit of Section 75 protection was that you don't end up paying for something on credit that you don't have / or goods that are faulty etc.

Hi I'm hoping this will be a simple query. Five weeks ago I purchased a new Fiat Bravo for £12,000. At the dealership I signed up for GAP insurance. The GAP insurance cot £499. The car and GAP insurance was financed by HP agreement with FIAT Finance. Car Cost £12,000 + £4000 interest over the term of five years GAP Cost £499 + £279 interest over the term of five years. The GAP insurance policy was with a company seperate to FIAT finance; it was just paid for with the HP agreement. Now, the GAP policy contained a 14 day cooling off period in which I could cancel. Looking on the Internet I sound discovered I had been ripped off for GAP insurance. I can get the same level cover and a more comprehensive policy for £114. So, I wrote recorded delivery to the GAP insurance and cancelled the policy (within the 14 days). I clearly stated I wanted them to advise the HP company that paid them. The GAP insurance company wrote back stating they had cancelled the policy and I was due a refund. I have just received a cheque for £499 from my local Fiat dealer as way of refund for the GAP insurance. This is not good. The HP finance agreement will still charge me £279 interest for the GAP insurance I have just been refunded on. Can they get away with this? Effectively, I'm being charged credit on a GAP policy I don't have. I don't understand why the dealer sent me just £499. My contract was not with them surely. They just acted as agents for the finance company and the GAP insurance policy. Cheers Al

The majority of high street retailers will try it on and try to push the consumer into making a warranty claim. I don't know the exact legal reasoning or how much making a warranty claim direct detracts from one's statutory rights. I'm surprised Trading Standards have not taken a stance on this - if it is going to damage people's rights under SOG. I guess the rule here is *always* claim against retailer and advise them to make their own warranty claim themselves!

Out of interest. I heard that in law, if you approach the manufacturer and make a warranty claim - then later try to go back to the retailer claiming SOG - you have effectively 'weakened' your legal position. Is this true? In other words, should you *always* claim SOG against the retailer and not get fobbed of having to ask for a warranty claim.