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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.  Appreciate your help 🙏🏼   Thanks!
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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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      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.
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natwest want me to take out a loan


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i took out a loan 3 years ago with the natwest for £15000 and was paying it off up until april his year when work dried up, since then i have scrapped through just about earning enough to survive but not enough to pay the loan

 

i was asked to call the bank regarding the situation and they said i need to close one of my accounts and bring the loan up to date

(i have 4 accounts 2 for business and 2 private, both he private ones have overdrafts of £1500 & £1000)

i offered to pay the original loan payment plus £80 extra to reduced the overdraft and missed payments but i was told i need to take out a loan to consolidate the 2

 

so they have sent me the loan agreement to sign but on reading it it has an apr of 7.5% above the bank rate and is variable, now im pretty sure one the election is over next year this is set to rise quite a bit and im going to end up paying a lot more

 

my instinct tells me not to take out the loan but the banks says if i dont they will withdraw my facility's therefore i would immediately be liable to pay £13000 + £1000 + £1500 plus im sure they would take the money from my business account which is there fore cashflow and taxes.

 

is there anything i can do or do i have to take the loan?

i feel they are pushing me into more debt when i can least afford it

 

i have already overrun my deadline to return the loan agreement so i need help fast

 

thanks

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If your worried about them taking money from your business account, maybe you should set up an account with another bank and start paying money into there instead, then its safe (not RBS though, its the same group).

Please note nothing I say constitutes legal advice.

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my instinct tells me not to take out the loan but the banks says if i dont they will withdraw my facility's therefore i would immediately be liable to pay £13000 + £1000 + £1500 plus im sure they would take the money from my business account which is there fore cashflow and taxes.

 

Take the money out of the account, get a new account with a different bank and transfer payments in and payments out to new account. They cannot take any money if it is not there to take!

 

is there anything i can do or do i have to take the loan?

i feel they are pushing me into more debt when i can least afford it

 

Take control of the situation, you call the shots not them.

 

i have already overrun my deadline to return the loan agreement so i need help fast

 

You need to ask yourself, can you afford the loan, are you happy to pay the loan and take the risk of the variable interest - if the answer is no then you know what you have to do. Banks are bullies and bullies are not dealt with until we stand up to them I'm affraid!

 

My opinion would be to prohibit them from taking any of your money without your consent and the make an offer of repayment

 

thanks

 

TFT

09/07/09 :)Business Studies BA(Hons) 2:1:)

 

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