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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.
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Cheakychops v Royal Bank of Scotland


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Actually reading your question again, I'm not really sure what you are getting at? What do you mean how do you go on with court costs and solicitor?

 

 

I sorted that part out now sorry.

I just need some going to court advice..and vibes im gonna go get the papers tomorrow then they are ready for wed morning post out

hubby sugested sending them a letter saying we will take a cut price if they pay us bk within14 days but i dont know..what do you think

:mad: :mad: :mad: :mad: :mad:

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It's a personal decision. One I can't make for you.

 

If you are worrying, look at the number of people that are successful. There is a whole forum dedicated to the successes for RBS and one each for every other bank. Just because you haven't heard from them doesn't mean you should lose out by offering them a cut price deal.

 

If you don't want to file straight away, send them a letter at the end of the 14 days saying that you are aware of the backlogs that RBS are currently suffering (they are telling people this ALL the time) and that as a result, you will be extending your deadline for your LBA by a week (or two - or whatever, your choice) but rest assured once this deadline is up, you will be filing.

 

Use the time to do your homework, get ready to file, read up on all the successful people getting all their money back once they've filed.

 

Right now, assuming your spreadsheet is correct, you are in no different a situation than anyone else in the RBS forum, have you noticed that? Everyone is getting frustrated because RBS just aren't getting their offers out. The whole point of it is to try and save money - to see people crack and take smaller amounts.

 

I'm not trying to get you to do something you don't want to do...ultimately this is yours and your husbands decision. The proof is on here that this system works, you only got to read but at the end of the day you do what you got to do.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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OK, just got round to reading your thread CC. I am right in thinking you are in Scotland, yeah?

 

OK, if so, the LAST thing you want to do is take this to court. Although it should still be an option in your armoury should you require it. However, your claim amount takes you way over the £1500 limit for summary cause, and into the realms of ordinary cause. Which you won't be able to do yourself; you WILL need a solicitor.

 

But it shouldn't come to that. Give them until your LBA time limit is up, then send them a letter along these lines.

 

Dear Sandy,

 

Further to my letter dated, blah, blah, I am disapointed hat you have not yet seen fit to respond positively to my request that you refund the charges debited unlawfully from my account.

 

However, I am prepared to allow the bank a further period by which time I will expect a substantive response to my complaint. You therefore have until (work out 8 weeks from your prelim letter) to either write to show me that your charging regime is lawful or, in the alternative, confirm for me your intention to refund my charges as per the schedule I have previously sent you.

 

Failure to comply by that date will leave me no alternative but to escalate my complaint without further notice to the Financial Ombudsman. If that course of action should fail to satisfy my complaint, I will as a last resort, seek to take action through the courts, again without further notice.

 

Or something along those lines anyway.

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But do bear in mind that Sandy's team are doing their best to get these things settled, and as yours seems straightforward, you should get an offer way before the FOS manage to get around to your complaint.

 

I know it's frustrating, but patience IS a virtue. So I'm told anyway. :lol:

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  • 2 weeks later...

Still no news here and comming up to the extra 14days i allowed them whilst i got myself together so i need help now people;

the court papers im going to send off in a few days then what? do i just sit and wait till they respond. cheers

:mad: :mad: :mad: :mad: :mad:

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Not normal, but it's not unexpected. The letter isn't worth receiving anyway.

 

As long as you know the letter was delivered (have you recorded delivery confirmation?) then no need to worry, just progress your claim as necessary.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Cheakychops.......I'm also in England.......I'm at the stage where they have lodged a defence to my claim......this is what I've done:-

 

1. Sent letter to request refund of unlawful charges

 

14 DAYS.......NO REPLY

 

2. Sent "letter before legal action"

 

14 DAYS........NO REPLY

 

3. Applied on line @ MoneyClaim for summons....cost £120.....order deemed to be served approx 5 days later to allow for post etc.

 

11 DAYS......RECEIVED OFFER OF APPROX 70% OF CLAIM.......I refused it

11 DAYS......bank "ACKNOWLEDGED" claim, this gives them 28 days from when the summons was first issued (approx another 14 days) to enter a defence

25 DAYS......received defence from Cobbetts (RBoS solicitors)

 

4. Sent letter saying they have already got this info, etc, etc.

 

Hope this helps in giving you some kind of time scale and what happens....it's been just over 2 months so far!!!

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Cheakychops.......I'm also in England.......I'm at the stage where they have lodged a defence to my claim......this is what I've done:-

 

1. Sent letter to request refund of unlawful charges

 

14 DAYS.......NO REPLY

 

2. Sent "letter before legal action"

 

14 DAYS........NO REPLY

 

3. Applied on line @ MoneyClaim for summons....cost £120.....order deemed to be served approx 5 days later to allow for post etc.

 

11 DAYS......RECEIVED OFFER OF APPROX 70% OF CLAIM.......I refused it

11 DAYS......bank "ACKNOWLEDGED" claim, this gives them 28 days from when the summons was first issued (approx another 14 days) to enter a defence

25 DAYS......received defence from Cobbetts (RBoS solicitors)

 

4. Sent letter saying they have already got this info, etc, etc.

 

Hope this helps in giving you some kind of time scale and what happens....it's been just over 2 months so far!!!

 

 

Ah right so similar post papers tomorrow then have they got 14days or 28days to reply 1 way or another is that right?? im sure thats what i read thanks again

also yeh i have proof she mailed to say thanks and she sticking to the rules of the timescale they follow.

:mad: :mad: :mad: :mad: :mad:

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From when you take out the court summons thingy.....the court allow about 5 days before the order is deemed as issued - to allow for post.

The bank then have 14 days to "acknowledge" summons......then a further 14 days to lodge a defence (ie. 28 days from when order thingy is deemed issued)

It's easiest to issue by going online and paying (it cost me £120) by card.....MoneyClaim

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Hi there -

 

it's been a wild ride as I am up against Natwest - essentially the same bunch as you! The info on here has been really helpful, and when extra questions need answering they do tend to get answerd which is such a great resource.

 

The thing that's given me the stones to see it through is the successes on here. I've just written back to Natwest to go into the post today re the CR18 delaying tactic 'more questions' thing they apparently tend to send out, and i have had a post from a moderator saying 'nearly there' which is great.

 

I faffed about at the beginning and ummed and errrred and since I actually stuck to the advice and timetable and templates it has moved forward at a cracking pace. Natwest have put forward a defence, and the 28 days is I think up at the end of this month (must check!). Hopefully all will come in in time for hols!

 

Just thought I'd share non practical but hopefully strengthening thoughts :wink: Great luck - looking forward to reading about your success soon! :) Debs

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You don't need anyone else;)

Seriously though, all the info you need is on here somewhere just a case of searching.

 

 

thanks ive just taken the papers back they sdaid they will be in contact in due course so its just a waiting game again now cheers :D

:mad: :mad: :mad: :mad: :mad:

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best of luck cheaky

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Quite scary really...

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 2 weeks later...
  • 2 weeks later...

This I believe is a common tactic by them. Don't be put off by it!!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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