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    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen.   DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free. 
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    • Hi Guys, well a year on and my friend has just received this in the post today, obviously a little scared so looking for more of your advice.  Letter from the NCC dated 1-May-2024 is as follows.......   Before deputy district judge Haythorne sitting at the national business centre, 4th floor st Kathrine's house Northampton Upon reading an application from the claimant  it is ordered that  1. The claim be sent to the county court at #### (Friends local Court) Because this order has been made without a hearing, the parties have the right to apply to have the order set aside, varied or stayed.  A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of service of this order.  If the application is one which requires a hearing, and a) the party making the application is the defendant: and b) the defendant is an individual, then upon filing of the application the claim will be transferred to the defendants home court.  In all other cases requiring a hearing the claim will be transferred to the preferred court.    As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) 
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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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need advice please?


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Ok just got one more question. My partner new he had took out an MBNA credit card at the same time. He has received a letter from first revenue assurance saying he can pay a reduced amount? Theres no way we can do afford that. But I have no details of what payments have been made to them. Should I send a subject assesment request? (if thats right sorry slowly getting the hand of this)

 

Appreciate your advise

 

L x

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Here's the SAR for you:

 

Data Protection Act 1998

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

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Hi not sure If I have started this in the correct thread?!

 

To cut a long story short partner has lots of debt which only found out about last month. We went through all debts and started a payment plan which he has kept up for last three months but struggling.

 

One of them is Halifax credit card which I think was taken out in 2003 I received the following back and wanted to know what to do next?

 

Advise greatly appreciated!

Halifax.pdf

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Hi Lenny,

 

Re. your PM... I've just gone through my files and the company who tried to pull a similar stunt on me a couple of years ago was A&L. I was going to reply, but in the same letter they also informed me that they'd instructed their solicitors to "discontinue legal action until further notice".... so I didn't bother.

 

They never re-commenced legal action, never produced a valid CCA and eventually sold it on... :D

 

See what you get back from Halifax re. the template letter and we'll go from there.

 

:)

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fire off the failure to comply letter

thats absolute rubbish they have posted

 

you can stop payments too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Diamondgirl--presumably the letter was in response to a CCA request?

 

As you have had problems with this card it's a fair bet that halifax have added on lots of late charges that you can claim back.

 

 

Sending them an SAR,templates in cag library,will get you all your cc statements so that you can work out how much they've unlawfully added on to your account.They have to comply with this within 40 days.

 

Posting up the default and termination notices here,minus personal details,will give caggers the opportunity to see if Halifax have followed the correct procedures.

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3 threads merged

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi sorry another question, this is for me now I have just checked my credit report to see how it is. Every thing on it is fine apart from that I have received a default on old T mobile account which I thought I had cleared. I dont remember seeing any paper work. Anybody know what I can do here?

 

Thanks

 

Len x

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  • 2 weeks later...
Hi

 

It has now been over 12 days since I sent cca request for all of my partners creditors. So far I have only received a letter from halifax which I replied with a account in dispute letter.

 

Could anybody help me with what to do now please?

 

Many Thanks

 

L x

 

Send the Account in Dispute Letter to them all they only have 12 + 2 days to reply you can then stop payment until they comply to your request.

 

DG

I have no legal training my knowledge comes from my personal life experiences

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