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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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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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So do we send a letter to the courts or do we just wait?

hang fire... we have something being put together.

 

The Consumer Forums - Announcements in Forum : OFT Test Case Updates and Discussion

 

The Consumer Forums - Announcements in Forum : OFT Test Case Updates and Discussion

 

I'm really quite upbeat about this whole thing now... in some respects this has been a very good judgement for us.

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So do we send a letter to the courts or do we just wait?

 

The suggestion from the site team is I believe to wait until they have spoken to the barrister they and othere groups have hired to look over template letters and the strength of our case.

 

That said if you are on a severe time limit here.. i.e. you have 7/14 days from the judgment to advise the court on how you wish to proceed (Will say on the bottom of your stay notice) then some sort of holding action would be required imho.

 

S.

Edited by the_shadow
Can you BELIEVE I cannot even spell BELEIVE this morning :-(
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I think site advice is to wait (for up to 2 weeks) as they are looking into all the legal angles.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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thanks guys

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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I think site advice is to wait (for up to 2 weeks) as they are looking into all the legal angles.

 

Said it before, will say it again. Check your paperwork - if your order says tell the Court 7 days after the hearing, then you must do that.

 

Mine both say I have 28 days after the final determination, or appeal, to inform the Court of my intentions. ;)

 

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does anyone know what happens to the charges from 2001-2003 now the stay has been lifted... will this not affect when we can claim back too????

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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well I sent my LBA to Lloyds as they had held my case since the court proceedings began. I couldn't find an email address for complaints department however I could find the one belonging to the CEO.

 

Sent it on Wednesday evening and recieved a letter on Friday morning from the complaints department saying they were looking in to it blah blah blah.

 

So the CEO must have passed it on pretty quickly as the paper copy that I sent to follow up the email was only signed for this morning.

 

Gave them 2 weeks so we shall wait and see what they say and what CAG advice is to do then....

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Sent it on Wednesday evening and recieved a letter on Friday morning from the complaints department saying they were looking in to it blah blah blah.

 

Rather a prompt response from an organisation that reckons it doesn't have anything to worry about now us punters have been 'beaten'.

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Rather a prompt response from an organisation that reckons it doesn't have anything to worry about now us punters have been 'beaten'.

 

I think it possibly has more to do with me sending it direct to the CEO's email address than the actual content of the letter.

 

I fully expect a fob off response to follow shortly :)

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My stay says

 

"The claim be stayed pending judgment in the test case brought by the OFT and any appeal for the decision in that case"

 

Should I just wait?

 

BobbyH

 

:D start you're own thread bobby.

 

I said what I would do.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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Could be worth waiting to see what comes back from the Barristers.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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Rather a prompt response from an organisation that reckons it doesn't have anything to worry about now us punters have been 'beaten'.

 

I've emailed the same chairman recently about an unrelated matter, and the same thing happened, was passed onto customer services pretty quickly. In my case they're trying to pass the buck, but I'll be following up in the next couple of weeks once I've got confirmation it's their fault.

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Let's go back to basics...

 

Unfair Terms of the UTCCR 1999

5. - (1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.

 

(2) A term shall always be regarded as not having been individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term.

 

(3) Notwithstanding that a specific term or certain aspects of it in a contract has been individually negotiated, these Regulations shall apply to the rest of a contract if an overall assessment of it indicates that it is a pre-formulated standard contract.

 

(4) It shall be for any seller or supplier who claims that a term was individually negotiated to show that it was.

 

(5) Schedule 2 to these Regulations contains an indicative and non-exhaustive list of the terms which may be regarded as unfair.

 

*significant imbalance could be construed as the inequality of bargaining power which is recognised and accepted in law

under which parties to a contract may not be equal in their power to dictate terms and conditions. The law does not accept the manifestly unfair use, by a stronger party, of his advantage in bargaining power, and may intervene by setting aside or modifying the contract to restore equity. There is, also, an element of information assymetry, when the seller ('the banks') knows more about a product than the buyer ('the consumers').

*the good faith (bona fide) element being the honest intent to act without taking an unfair advantage over another person is, in my view, the hardest point to interpret...

 

But all isn't lost...

Edited by Bigredbus

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

Make a contribution to this site... Help the CAG keeping on helping you for FREE.

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Thank you for sharing royboy68

 

interesting that we have irked them somewhat :lol:- i will smile forever today

 

have a fun day all laters angel x

 

ps as i wave to our guests hiyaaaaaaaaaaaaaaaaaaaaaa

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Looks like we have a new enemy now as well. Follow the link to the CSA workshop. Nice to see that we at CAG are top of their hit list.

http://www.csa-uk.com/media/editor/file/Consumer%20Websites.pdf

 

Yep they dont like anybody being on the side of the "consumer"....

 

Slightly off-topic but just waiting for the OFT to issue new guidance on what constitutes a s77-s78 response now...

 

S.

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From that link..

 

What are Consumer Websites

 

Websites set up to assist consumers and for

individuals to share experiences

What do they actually do?

• Encourage consumers to avoid paying debts

• Celebrate “victories” against creditors

• Set up tallies of how much has been refunded in

bank charges

• Provide standard template letters

• Breeding grounds for misinformation - consumer

detriment

• Insult creditors, debt purchasers and DCAs

 

 

What a load of Rollocks!!!!!!

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It amazes me how they can have the guts to put that on there middenmiss. Its more like praise for the consumer websites rather than a damnation. Specially like the last one though. For some reason though they missed off the most famous site.

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That's an extraordinary presentation and I'm amazed that the MofJ associated themselves with it.

 

There is a huge difference between a consumer website like CAG and a claims management company.

 

Also there are thousands of examples of members of the CSA acting unlawfully and against OFT debt collection guidance. When does the OFT have cosy round table discussions with consumer representatives in the same way that it does with the CSA?

 

Overall though I think it's great that sites like CAG are clearly making a difference and helping to drive some of the more odious CSA members to the wall.

Edited by Seminole
Mixing up CAG with CSA :-(
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