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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.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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givitback!! v HSBC


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Welcome to the site.Best thing now is to start a thread in HSBC forums.I will move it for you.

Can you please give brief details on whats happened so far ie;letters you sent them what they sent you and how you have done the claim etc.

You are well advised to read other threads in HSBC bank forum.

Help is there for you but you must read up too !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

HI

I have followed the letters asking for statements. i then wrote asking for a refund of charges.

I was sent an offer of £2333.00 the amount i had claimed was £3076.45 in their reply they said they had deducted interest i had added. I had not added interest.

 

I replied asking for the full amount and said i would take the matter to the small claims courts. As per advice on martins money matters.

 

I did not recieve a repy so went online to the small claim it has been sent from northampton with hsbc solicitors defending as i agreed the terms and the charges are not unreasonalble.

 

The solicitors for the bank have asked for a breakdown of charges description and value. I sent the list from m oneymatters pages including the interest caluclations.

 

They have set a trial date for july 31st.at Brighton county court to last ten minutes.

 

They have dispersed with the questionaire allocation unless the judge in Brighton asked for one.

 

Now I am reading i need a court bundle and should send papers of my defence to the court and solicitors before the case.

 

Also advice is being given that it is better to go to the onbussman first before the court.

 

I am worried as despite reading for hours through this sitre i am finding it hard to know what to do next.

would welcome advice.

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You look to be doing fine, you should have a set of judges directions / orders (tells you what you have to do) in your court date notification paperwork also it should say what type of hearing it is. If you let us know that we can tell you what to do

 

pete

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trial /hearing.

 

I have a set of orders 5 in total it refers to part 27 of the civil procedure rules and the practice direction of that part for guidance on how the hearing will be coducted.

time and date place try to settle by negotiation.

Should i contact the solicitors asking for them to pay in full ?

 

directions

disclosure of documents.

originals needed.

send copies to all parties

include witnesses statements.

no reliance on experts. Does the hsbc solicitor count as an expert?

 

If not why not?

 

the order has been made without cosidering representations from either party the parties have the right to apply for waiver varied stayed.

 

Guess i have a lot of hoimework to do now a!!

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The first thing I would do is to send the court and dg a new schedule of charges. You need to put the name of the charge, ammount of the charge, date of the charge, interest on that amount. On the top of the sheet you need to have your name, bank account number, claime number and date.

The mse templates do not give enough information.

As for your court bundle, you will just need to get to understand what is needed for now. It is usually 14 days before the court date that you have to send these in so you have plenty of time yet.

Get your revised schedule sent to dg and the court. Just shout if you need help with it!

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