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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.

      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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Agressive Solicitor - Advice needed urgently.


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Hi all....

 

Without going into all the gory details, I'm in the process of trying to settle a "no win/no fee" personal injury claim (instigated by my insurance company) I've been farmed out to a solicitors who are frankly vile and do business in a way that puts me in mind of a mafia.

 

They've lied to me about certain facts on numerous occasions and are now aggressively perusing my authorization to proceed with the claim. I'm having someone look into it at the moment, as I can smell a very large rat with some of what's been going on and I'm not prepared to sign my name to anything until I'm 100% sure it's legit.

 

I received a letter on Saturday morning in which it's announced that the solicitor is sending an "agent" out to my home on Monday to collect my signature and instructions they require.

 

I am not happy about this at all, and to my mind if someone comes to my door to make me sign something, I would therefore be acting under duress. I also don't yield to bully-boy tactics and all this goes again towards me thinking something is very wrong with whatever they are doing.

 

I know that the law states debt collectors can't visit my home without permission. I'm also under the assumption the only people who can set foot within my property lines are postal workers, people asking for directions or people who are asked by invitation. Does an "agent" working on behalf of a solicitors firm have any different kind of rights to visit my home?

 

I would very much like to know my rights and have the facts to hand should this person call on me this Monday and this seemed like the right place to ask.

 

If anyone could give me some advice, I would be very grateful.

Thanks for reading.

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This sounds highly suspicious... The may be a conflict of interest here... they are not allowed to represent the other party...Try and find out if there is an ombudsman who deals with Law Issues.. The Citizen's Advice Bureau will help...Above all, don't sign anything... Tell them you are taking further advice re their instructions, and that you need more time to deal with it... Good Luck!

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The other thing is to have a witness with you on the day they are threatening to turn up... You could even get the police involved. Sounds extremely suspicious... I've fought a medical negligence claim before, and solicitors NEVER behave like this...Don't sign!

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Always remember you NEVER have to sign anything you dont want to, or are not happy with.

Might be an idea to ask the caller to leave copies of the documents with you to peruse at your leisure, and as C.B. says contact the Ombudsman and you will have further evidence of your concerns to show them.

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Just don't answer your door. But be careful if you breach the CFA you could be liable for all your own solicitors costs. Can you tell us what rat you think you smell and what the solicitors want you to sign please?

 

@Dookist, the OP means their own insurer referred them to a solicitor so no conflict of interest.

 

As for the legal ombudsmen the OP will need to go through the solicitors complaints procedure first.

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As for the legal ombudsmen the OP will need to go through the solicitors complaints procedure first.

 

Thanks for this Ganymede, I didn't realise that.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi,

Bit confused here. If the insurance company instigated to NWNF there is no CFA in place as yet and if you refuse to sign anything it cannot continue.

 

As well as the other advice given, I would also complain to your insurance company.

 

I think these 'ambulance chasers' are a bit desperate for work

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi,

Bit confused here. If the insurance company instigated to NWNF there is no CFA in place as yet and if you refuse to sign anything it cannot continue.

 

As well as the other advice given, I would also complain to your insurance company.

 

I think these 'ambulance chasers' are a bit desperate for work

 

 

 

The OP will need to clarify but it's probably the case that they signed a CFA with the solicitors at the outset of the claim along with all the other forms from the solicitors.

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The OP will need to clarify but it's probably the case that they signed a CFA with the solicitors at the outset of the claim along with all the other forms from the solicitors.

 

Another reason I'm confused. If a CFA was signed in advance, why would this 'firm' want to get another?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Another reason I'm confused. If a CFA was signed in advance, why would this 'firm' want to get another?

 

 

 

Who said they want another CFA signed?! Did I miss something?

 

I get the impression the solicitors want authority to make/accept an offer.

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Have you already signed a CFA? If so, then you need to be careful. It is a standard term in "no-win-no-fee" arrangements that the client is required to see things through. If you breach the CFA by failing to provide proper instructions or failing to advance the claim, then the solicitor will be entitled to terminate the engagement with the result that you will be liable to pay their costs at their standard hourly rate.

 

If you have not signed the CFA, there is no reason why you must use the firm you were referred to by your insurer. Simply tell this firm that you do not want to instruct them and instruct another firm instead. It is easy to find the contact details of appropriate law firms online. Of course if legal costs are being covered by your insurer you will need to check this is still the case with another firm.

 

I suspect they are sending someone round to get your signature on the CFA and get you to sign a bit of paper saying the CFA has been properly explained to you. This is actually fairly common in the personal injury "no-win-no-fee" sphere. People have an "implied right of access" to your property to make contact to the people living there unless they are told otherwise. This is the same principle that applies to postmen. If you do not want them to come and assuming you have not yet signed the CFA, then simply tell this firm you won't be instructing them and they do not have permission to visit your property.

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  • 2 months later...

This thread is now in "General Legal Issues"

 

It is purely an administrative move.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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