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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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    • Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this? Every day is a school day.
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help for my son **WON**


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You could CCA them, but I think it would be better to send them a letter stating that you previously CCA'd HFO. As HFO are Barclaycards agent they have a legal obligation under s175 of the CCA to forward your request to Barclaycard. Barclaycard have the legal obligation to then provide you with a copy of the agreement, therefore Barclaycard are already in default and have already committed a summary criminal offence. Also HFO would stop their harassment if Barclaycard told them to not pursue the debt (as they should have done).

 

 

this is what I should have done in the first place.

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I am not convinced that HFO are agents for Barclaycard... and even if they are, you still need something from B/card in writing to let you know where you stand with the refund of charges.

 

HFO can't pursue any debt without a CCA... so this is no longer an issue; as they haven't got one.... so they just need to berger off ;) .

 

Barclaycard are not pursuing anyway... they are refunding.... so you need to know where the refund is.... so B/card are who you need to write to, to find out about it.

 

Hope that helps...

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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You could try:

 

Natalie Page

Barclaycard Legal and Regulatory Compliance Dept

Barclaycard House

1234 Pavilion Drive

Northampton

NN4 7SG

 

Tel: 01604 835418 c/w 2500 5418

Mobile: 077755 47353

Fax: 01604 254150 c/w 2500 4510

email: Natalie.Page@barclaycard. co.uk

 

or: Lindsay Hilton 01604 254518

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Anyone know the best address, the address for Tim Young is the PO Box Northampton NN4 1ZY, just tried to track last letter sent 2nd Aug no trace try in a few days.

 

Maimie, is there an address on the letter that B/card sent to your son about refunding the charges to his account ?

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That is the one on the letter, I sent the acceptance letter there, but the letter I sent on the 2nd aug doesnt seem to have been signed for yet.

 

I was just checking the letter, I already said about them giving it to HFO, will I still write another letter.

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Try 'phoning the number on the back of the rec. delivery slip tomorrow. Even if it's been received though... they haven't responded, so you will need to write again, as detailed above.... This time, enclose a copy of the offer letter that they sent to your son, as discussed earlier... to stop them from wriggling out of things, so to speak.

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Just checking his statements with this account, they are from when he opened the account right upto when he sent a S.A.R - (Subject Access Request). If this was passed to a DCA would his statements not reflect that.

 

I would have thought so... but it's confusing because B/card have involved 2 DCAs in this. I'm sure creditors do this in order to confuse us as to who is responsible for what.... but it won't work.

 

Your priority is to get a reply from B/card.... No matter who they try and fob you off with.... it is B/card who applied the charges, so it is B/card who need to refund them. In order to cover yourself so that your letter gets received by someone this time... you could send the same letter (and copy of offer) to the address given to you by Rory, as well as the one you've already got. I know all of the rec. delivery stuff is a pain in the posterior... but it's the cheapest way of getting a sig. for your letters.

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If the debt was sold his statements should reflect this - if it was not they wouldn't. If it was sold the statements should say something like amount written off £xxxx, interest written off £xxxx, balance £0.00

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If the debt was sold his statements should reflect this - if it was not they wouldn't. If it was sold the statements should say something like amount written off £xxxx, interest written off £xxxx, balance £0.00

 

One of mine showed a £0 balance though Rory... and it had just been passed to an internal DCA on the 2nd floor of the same building. That's why it's so hard to tell. :cool:

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PO and Rory,

 

All of them say present balance, the only thing that changes is.

 

credit limit £0

 

minimum payment £0.00

 

so I assume this is when it was passed to a DCA.

 

Sorry for being so stupid

 

Thanks to both of you

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Maimie, try not to get confused by other issues. It doesn't really matter when they passed/sold it to a DCA... the charges were still applied by B/card, so it is B/card who need to refund them. Their letter to your son stated that they were going to do this and this is what you need to pull them up on.

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