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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.

      Frankly I don't think that is any accident.

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Bank of Scotland terminated without default notice and without claiming full balance, Blair, Oliver Scott DCA


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Hi - received response to my SAR - only covers up until November - DN was dated 10th November (received 28th November) gave me until 24th November - no days allowed for service. There is a note on the recoveries file "NOD" (Notice of default?) 10/11/08 and the same note for the 11th. Doesn't cover the termination as the notes only cover up to November. Will be writing asking for December.

I think that them saying terminating agreement means they have withdrawn facility is a load of rubbish - if they wanted to do that they could have just not renewed the card????

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hello everyone

 

just passing by and can see some updates well done all

 

im glad i kind of understood something finally lexis, ;) in your post re moral story rathern than legal story lol

 

ive got lots of holidays this month and this will help me to read all the success stories here and keep upto date with everyone each day

 

wishing you all lots of persistance and will be encouraging you to keep swilling that wine, lol

 

but above all keep positive and so glad BRW you finally got your tax info in, at least avoided a fine

 

im sure good times will soon be with you as you always help everyone for which we are eternally grateful,

 

take care al laters angel x

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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Hi - received response to my Subject Access Request - only covers up until November - DN was dated 10th November (received 28th November) gave me until 24th November - no days allowed for service. There is a note on the recoveries file "NOD" (Notice of default?) 10/11/08 and the same note for the 11th. Doesn't cover the termination as the notes only cover up to November. Will be writing asking for December.

 

 

Hiya cleo:) sorry to be afurther pain where this is mentioned under heading transaction/correspondence sent DOES it say under details or to:CORRESPONDENCE ADDRESS or is it blank. do you see this anywhere on this NOD 10/11/08 [forget the main heading okay!]

 

milly XXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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hello everyone

 

just passing by and can see some updates well done all

 

im glad i kind of understood something finally lexis, ;) in your post re moral story rathern than legal story lol

 

ive got lots of holidays this month and this will help me to read all the success stories here and keep upto date with everyone each day

 

wishing you all lots of persistance and will be encouraging you to keep swilling that wine, lol

 

but above all keep positive and so glad BRW you finally got your tax info in, at least avoided a fine

 

im sure good times will soon be with you as you always help everyone for which we are eternally grateful,

 

take care al laters angel x

 

Hi amgel:)

 

 

you keep positive too okay and yes I certainly agree that Banker is an extremely helpful and kind person whom has taken time out of his own priorities to help me and others. i hope he wins and wish him all the luck:)

 

Milly XXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi millymollymoo - it says "correspondence to address" post contact this was 11/11/08 (received 28th November - 18 days later) they keep ringing me but I have started logging them and am sending them harrassment letter - keep in touch cleo

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Hi millymollymoo - it says "correspondence to address" post contact this was 11/11/08 (received 28th November - 18 days later) they keep ringing me but I have started logging them and am sending them harrassment letter - keep in touch cleo

 

 

Thank you Cleo:), as i thought SOMEONE has either a] manually entered the NOD [but unable to put anything as sent as the computer generates the letter or as I suspected on ALL other letters as it says CORRESPONDENCE ADDRESS, but NOT under his one shows the COMPUTER DID NOT generate which goes in line with the letter dated 6th september with NO mention of a DN previously issued.

 

On yours it is well known they hold back the letters.

 

Ha totally screwed themselves!!

 

The phonecalls have increased to me too:

 

heres somemore for the log:

 

2nd Feb

8.11am

8.41am

6.52pm

 

getting more today:

 

8.14am

8.45am

A witheld at 9.45 ????

5.05pm

5.38pm

7.28pm

7.59pm

caimpain to harrass is stepping up!!!!

I am going to send the harrassment letter. short and sweet

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Thank you Cleo:), as i thought SOMEONE has either a] manually entered the NOD [but unable to put anything as sent as the computer generates the letter or as I suspected on ALL other letters as it says CORRESPONDENCE ADDRESS, but NOT under his one shows the COMPUTER DID NOT generate which goes in line with the letter dated 6th september with NO mention of a DN previously issued.

 

On yours it is well known they hold back the letters.

 

Ha totally screwed themselves!!

 

The phonecalls have increased to me too:

 

heres somemore for the log:

 

2nd Feb

8.11am

8.41am

6.52pm

 

getting more today:

 

8.14am

8.45am

A witheld at 9.45 ????

5.05pm

5.38pm

7.28pm

7.59pm

caimpain to harrass is stepping up!!!!

I am going to send the harrassment letter. short and sweet

Milly XX

I SARd Blair Oliver Scott on Saturday - got a answerphone message yesterday from BANK OF SCOTLAND regarding sar and anything they can help us with - they are definitely one and the same

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Hiya Cleo:)

 

Yep and they keep digging even bigger holes for themselves with a mystery repeat 'statement' that turned up yesterday. A bit of cutting of certain text from the original that I have;) mmmmmmmmmmmm........

 

Keep it up BOS you're doing a grand job!!!

 

phone log:

 

4th feb

9.07am

9.40am

5.16pm

5.47pm

8.28pm

 

Today:

8.12am

8.42am

 

5.10pm

5.41pm

7.30pm

8.00pm

 

I am TOTALLY ignoring them as notified i would in my 16th december letter unless a satisfactorily conclusion was made.

 

Milly XXXX

Edited by millymollymoo
added phone log update

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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6th feb phone log

9.22am

9.53am

 

persistent arent we.

 

Blair, oliver Scott a message to you:

 

Please write me a letter and say what you so DESPERATELY want to say.

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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hiya gals and guys

 

hope you are all okay

 

ive been around just that trying to learn more and as much as i can

 

just wanted to say hiya ,,no post yest, and im waiting to see if any arrive today

 

laters angel x

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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6th feb phone log

9.22am

9.53am

 

persistent arent we.

 

Blair, oliver Scott a message to you:

 

Please write me a letter and say what you so DESPERATELY want to say.

 

Milly XX

send them the telephone harrassment letter - the last time I spoke to them I asked if I could record the call and it all went very quiet

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hiya gals and guys

 

hope you are all okay

 

ive been around just that trying to learn more and as much as i can

 

just wanted to say hiya ,,no post yest, and im waiting to see if any arrive today

 

laters angel x

 

 

Hey Angel:) Thanks for popping in hun XXX

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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I am finding i cannot edit my posts:confused:

 

so I will have to add log again.

 

6th feb:

9.22am

9.53am

5.12pm

5.42pm

7th feb:

8.56am

9.26am

What only two today??????????

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Can you give me a link to the post that you can't edit and I'll have a look.

 

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I am finding i cannot edit my posts:confused:

 

so I will have to add log again.

 

6th feb:

9.22am

9.53am

5.12pm

5.42pm

 

7th feb:

8.56am

9.26am

 

What only two today??????????

 

Perhaps the snow brought down their phone lines;) Now that would be a silver lining:grin:

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There is a problem with the software that is preventing editing.

We have had a few reports of the problem.

It is under investigation and hopefully will be rectified soon.

:-)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

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are these automatic dial calls silent calls? I believe OFCOM, etc, take these more seriously as harrassment. Keep logging and then report them.

 

:D

 

Hiya UD!

 

Yes they are noone says anything!

 

Milly XXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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There is a problem with the software that is preventing editing.

We have had a few reports of the problem.

It is under investigation and hopefully will be rectified soon.

:-)

 

 

Thanks Rooster much appreciated. I get a bit muddled at the best of times:lol:

 

Milly XXXXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Now that we have got SAR stuff can we try to recalim charges if account is in dispute??? I read on here that if you are not paying, to try and claim charges back could be "false enrichment"?

 

B****r that!:D If they have an agreement then the charges are an unlawful penalty. If they don't have an agreement/it's unenforceable then they shouldn't have added charges or interest, so they're getting away lightly if you only go for charges!

 

Technically, if they don't have an agreement then they've just given you a gift of the money because they want to, as there has never been anything signed to say you'll pay them back. Not an argument I'd be willing to try in court (although I think some are:eek:), but technically true nonetheless!

 

That's just my opinion though, and remember I have lost all morals that I did have a few months ago after being on the receiving end of the rubbish all these companies have thrown out.

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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