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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.

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Advice requested regarding court threat **WON** Case Struck out


Rilly
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Sorry for the delay everybody, major computer issues this weekend. Now hopefully sorted. I hope the anticipation hasn't been too bad!

 

Anyway, I have at last attached the CCA.

 

As always, I'd be grateful for your responses.

 

Thanks,

 

Rilly

Consumer credit agreement.jpg

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Hey rilly,

 

well guess what

 

if that is what they claim to be your binding credit agreement...........

 

 

 

id be very happy because it has no prescribed terms

 

totally unenforceable IMHO

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Thanks pt, sorry for delayed reply but I've been working away. This sounds like good news! What's the best thing to do from here? I believe I have 7 days from tomorrow to complete the court response form. Should I make reference to the fact that the credit agreement has no prescribed terms? (also, I know I'm going to kick myself, but was does IMHO mean?)

 

Thanks, Rilly

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Before turning to these articles I should outline the salient provisions of the Consumer Credit Act 1974. Subject to

exemptions, a regulated agreement is an agreement between an individual debtor and another person by which the latter

provides the former with a cash loan or other financial accommodation not exceeding a specified amount. Currently the

amount is £25,000. Section 61(1) sets out conditions which must be satisfied if a regulated agreement is to be treated as

properly executed. One of these conditions, in paragraph (a), is that the agreement must be in a prescribed form containing all

the prescribed terms. The prescribed terms are the amount of the credit or the credit limit, rate of interest (in some cases),

how the borrower is to discharge his obligations, and any power the creditor may have to vary what is payable: Consumer

Credit (Agreements) Regulations 1983, Schedule 6. The consequence of improper execution is that the agreement is not

enforceable against the debtor save by an order of the court: section 65(1). Section 127(1) provides what is to happen on an

application for an enforcement order under section 65. The court 'shall dismiss' the application if, but only if, the court

considers it just to do so having regard to the prejudice caused to any person by the contravention in question and the degree

of culpability for it. The court may reduce the amount payable by the debtor so as to compensate him for prejudice suffered

as a result of the contravention, or impose conditions, or suspend the operation of any term of the order or make

consequential changes in the agreement or security.

 

29. The court's powers under section 127(1) are subject to significant qualification in two types of cases. The first type is

where section 61(1)(a), regarding signing of agreements, is not complied with. In such cases the court 'shall not make' an

enforcement order unless a document, whether or not in the prescribed form, containing all the prescribed terms, was signed

by the debtor: section 127(3). Thus, signature of a document containing all the prescribed terms is an essential prerequisite to

the court's power to make an enforcement order. The second type of case concerns failure to comply with the duty to supply a

copy of an executed or unexecuted agreement pursuant to sections 62 and 63, or failure to comply with the duty to give

notice of cancellation rights in accordance with section 64(1). Here again, subject to one exception regarding sections 62 and

63, section 127(4) precludes the court from making an enforcement order.

 

 

if i use the judgment of Lord Nicholls of Birkenhead to explain, the prescribed terms are required to make an agreement enforceable so since the prescribed terms are not there its unenforceable

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Thanks pt, sorry for delayed reply but I've been working away. This sounds like good news! What's the best thing to do from here? I believe I have 7 days from tomorrow to complete the court response form. Should I make reference to the fact that the credit agreement has no prescribed terms? (also, I know I'm going to kick myself, but was does IMHO mean?) OOOOPPPS THAT WILL TEACH ME TO READ PROPERLY:D

 

Thanks, Rilly

 

sorry disregard my last post, been a long day

 

IMHO means In My Humble Opinion

 

i thought you were asking what the prescribed terms means sorry,

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I've just looked at agreement and sorry to be a party pooper but I think the prescribed terms are in the section "Financial Information" - credit limit, interest rate and repayments of 4.00 or 4%:-?

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Josie i cant see for sure to be honest,

 

may be its my pc but the wording is blurred, HOWEVER, if the prescribed terms are there

 

we have a cancelable agreement here, so they would be required to have sent cancellation rights etc

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'fraid the wording is there. But as you say it is a cancellable agreement and therefore unless they have produced the neccessary proof of having sent s etc 7 days later it could be argued as unenforceable. It's a pity about the prescribed terms as that is a more concise argument with the DJ

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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it doesn't appear to have the credit limit, which is a prescribed term for credit tokens.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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"we will determine your credit limit from time to time and give you notice of it"

 

Ist line directly underneath the heading Financial Information

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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During the period I held my account, the monthly statements were sent to the wrong address until at least Oct 2004, despite at least two phone calls advising change of address. (I moved house on 170903) The first statement with the amended address is dated 2nd January 2005 (Nov 04 & Dec 04 statements not available)

However, the facts are;

 

 

Agreement would appear to be pre October, 2004 from the above information in post 33

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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"we will determine your credit limit from time to time and give you notice of it"

 

Ist line directly underneath the heading Financial Information

 

Josie, no one likes a smartypants:p LOL.

 

Yes, it's there.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Don't mean to butt in but a question for Pt

 

ref post 56 does this relate to Dimond v. Lovell ?

 

Thanks

 

Cas

 

Hi Cas

 

Nope its from the Wilson V FCT House of Lords ruling

 

regards

paul

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Josie, no one likes a smartypants:p LOL.

 

Yes, it's there.

 

 

Just making sure the right defence is used .........................:D

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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The account was opened in June '03. I can confirm that the CCA does not show a date and is not dated by me or the person who countersigned.

 

I'm beginning to get a little concerned that I'm getting a little out of my depth... what are the implications of a cancellable agreement?

 

rilly

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As I said, I am a little concerned the way this is going, and the fact that I now have less than four days to submit my allocation questionnaire. I have to say that I don't understand a good deal of the last few threads and believe I may be well out of my depth.

 

My main concern is how to word section G of the AQ - other information.

 

Could someone give me some guidance for that in light of the above?

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At the bottom right under Customer Consent it says

By signing this application form ,,,further on it says in brackets

[but onlyto the extent relevant where we do not accept your application].

Also at the top in bold

Thank you for taking the time to apply for an Accoumt card....could all these be worth noting

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Rilly,

 

you need to change the first point on the Draft order for directions i wrote asking for copy of cancellation notice and all other cancellation details sent in compliance with section 64 consumer Credit Act 1974

 

the rest of the AQ directions and section G info is still relevant as far as i can see because all the have sent you is a copy of the agreement

 

i will be around for an hour or so , so any questions ask away

 

regards

paul

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