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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
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    • 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.

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HSBC vs. The Large Portion


The Large Portion
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Hellooooooooo!

 

I sent my first letter two weeks ago exactly, and I've just (on the 14 day mark) received a letter stating that my case is being looked into.

 

 

Therefore, I'm today going to send my letter before action via recorded delivery. Any tips on anything I need to do? In fairness, so far, I've not added the interest onto the outstanding charges, do I need to yet?

 

Here goes nothing :-)

 

Paul (The Large Portion)

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Sounds like you have everything in order. I take it that you are not claiming overdraft interest? You would be right not to add the 8% statutory interest at this stage that happens when you file your court claim. :)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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At this stage, no I'm not. I'm about to post my second letter via recorded delivery so hopefully, this will motivate them into some sort of positive result. I've received the standard "we're looking into it, bear with us" letter, I'm choosing to stick to our timetable so far.

 

Thanks for everyone's advice, this forum is brilliant. Hopefully there's one more result to come. I'll keep you informed - letter posted on day 15 recorded delivery.

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  • 3 weeks later...

Paul, I was in the same position as you and in the end my mother came through for me :)

 

I realise it's "borrowing" again but in this case it's as much a guarenteed return as you're ever likely to get.

 

IF you can't beg, borrow or otherwise acquire it, you may well have to leave it a bit to save the money up...shouldn't affect it that I'm aware of.

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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I delayed my submitting my claim to the county court for the same reason, I know other people who are having to do the same.

The 14 day period suggested here is a reasonable amount of time for HSBC to review your claim and make a sensible response, if you choose to extend it (its your claim you dictate the terms) your just being nice to them.

I would suggest if your delaying more than a couple of weeks you work out when you will be able to afford the court fee and send them another LBA 14 days before that but it shouldn’t be a problem.

pete

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  • 4 weeks later...

Now you have done your claim with MCOL you need to send 2 copies of your schedule of charges to MCOL:-

 

Your name & address

The Court Manager

Money Claim On Line

Northampton County Court

21-27 St.Katharine’s Street

Northampton

NN1 2LH

Date

Dear Sir/Madam,

xxxxxxxx –v- HSBC Bank Plc

Claim No: xxxxxxxxxx

Date Issued: xx xx xx

Please find enclosed the schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount in my claim, namely £xxx.xx, plus the court fee of £xxx.xx.

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely

 

 

Then, once you have received the acknowledgement notice that DG intend to defend you will need to send a copy of your schedule of charge to DG:-

 

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

Date: xx.xx.xx

Dear Sir,

 

xxxxxxxxxxxx‘v’ HSBC Bank plc

Claim No: xxxxxxxxxxxxx

Date of Issue:xx.xx.xx

Please find enclosed a copy of my schedule of charges and interest claimed under section 69 of the County Court Act 1984 at 8% from the date of each charge to the date of the claim. Please note that I am continuing to claim interest at 8% until judgement or settlement at a daily rate of £x.xx per day.

Yours sincerely

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Disaster. Somehow, and I don't know how I've done it, I've got the claimant and defendant stages the wrong way round when filling out the online form. When the claim came through this morning, I nearly had a heart attack when I read that I was the defendant.

 

How in god's name do I recover myself from this!!

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Oooooops. You will need to cancel the claim. I'm not quite sure how you will do this as you have put yourself down as the defendant. Give MCOL a ring on Monday and explain the situation with them. You may be able to do an amendment.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Right, situation possibly saved. I've spoken to the court, I have to submit an N244 form to amend the claim, but also filling out an N1 too.

 

When filling out the form on moneyclaim, where it says amount claimed, do I put in the amount including the 8% interest to date, or just the amount that's actually been debited?

 

Cheers

 

Paul

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Haha feel free to chuck a couple of eggs at them while you're at it!

 

If they're going to try to justify charging £125 per month in charges they can count that in their costs!!

 

Thanks for your help again guys, just waiting for some help with the N244 form (made a friend at the MCOL helpline, lol!) and then we're back on track. Just hoping that guy in Hull hasn't set precident for future cases!!

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Hiya LP, we have a judge in Hull threatening to throw out claims and a judge in Reading threatening to throw out defences.... and somewhere in between everyone else has their own ideas.

Best advice is to play your own game with whichever court and judge you have and not worry about the "headline" cases.

pete

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hear hear - but it would be nice for a test case to make it to the big cheese judges so all banks have to give us our money back without the need for court but in saying that it is fun:D.

 

personnally i would love to send in the bailiffs.

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And thats exactly why, despite the best efforts of the district judges, no test case has ever got to court.

I think the Lloyds TSB case may have been an effort to force the situation in the apeal court but its backfired and its now going to the Ombudsman cest la vie.

 

pete

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Keep going everyone, the determination of everyone is spurring myself and i have no doubt soo many others. Power to the people and all that! ;) I think you are right, Lloyds have bitten off more than they can chew, that judge was cursed by all the experts for going against the law. The law is on OUR side and soon all the banks will have to splash the cash to US for a change, the greedy, *******'*. Grrrrr:-x

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And we're away! I've sent a new claim, including the charges sheet and a claim amend form to get my case going.

 

The only downside is that it's cost me £35, but another way to look at this is that I get that back in the interest charges claimed back from the original case.

 

Woohoo, one more to D&G (with an egg enclosed :grin:) and we've got another case on our hands!

 

Paul

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Progress is a wonderful thing :-)

 

Got up this morning and there's a letter from HSBC. They're prepared to offer me £2377 (against the £2722 i'm claiming for). Their reasons for this is that I've already had a £200 refund of charges already (as an incentive to get into their premium plus bank accounts scheme) and £200 in charges upto and including today.

 

What would you guys do? I'm not sure, I didn't remember the refund but going through the statements again, they're definately there.

 

However - the court would allocate, in respect of interest and full amount, approx £3100.

 

Any suggestions?

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