ParcelMonkey did it again, lost laptop worth 370 pounds!

[Kenai]

But does include monitors which a laptop has. Its the likelyhood of a damaged screen.

Not really sure what you're getting at?

to be specific it is desktop replacement 18.4'' screen so this is not really notebook not really desktop computer, large mix between

Regardless, the point i'm making is that you described it simply as 'comp' now given they don't exclude computers, they had no reason to suspect or method of determining that you actually had a notebook that would fall outside the terms of their insurance cover to start with.

If you had described it as a laptop then maybe you'd have a case that they shouldn't have sold you the cover and refused carriage but given your description again the onus is on you frankly.

 

[PhillyDee]

Not really sure what you're getting at?

You said 'interestingly', I was pointing out why .

 

[Kenai]

You said 'interestingly', I was pointing out why .

Interestingly in that they don't exclude what the OP arguably described his item as

 

[[TW]Fox]

To me it seems the list was drawn up to include all the stuff thats fragile and easy to break for the purposes of restricting compensation for damage. This seems more reasonable.

Then it looks like it got extended to include loss, too, which seems more dubious. After all, what difference does it make if you lose a £500 indestructable object or a £500 laptop? None. You've still lost a £500 item.

 

[V4NT0M]

People are losing track of the OP with barrages of hypothetical questions and half thought out replies...

The more I hear from the OP the more I am obliged to agree morally with PM.

 

[MaX_PoWah]

I do love the way its considered acceptable to buy a service from someone and have to pay extra to cover yourself against the incompetence of the people you hired.

I recently sent some stuff with Royal mail special delivery am (which has built in insurance i am informed) for a client that got damaged (well i would like to use the word destroyed), the value of the goods were probably £50 (wine, promotional stuff, some documents we owed them), and it cost me £25, thinking i had paid for a premium delivery service where claiming would be easy i sent a claim only for them to announce from a picture of a bag of glass and wine that i had not "packaged the items in accordance with royal mail standards"

Quite how they could establish that i don't know, especially as the box used was a box from laithwaites and had been used to send us the wine.

They said i could appeal it and have the claim "escalated"... if the business had not had claimed over £2k earlier this year off royal mail / parcel force for running over a water connection on a site i might have done it but in reality i can earn more money actually doing my job than chasing a £75 claim.. still its open my eyes to what a joke it is and i will be evaluating what i am sending in the post in future.

 

[stkrup]

I recently sent some stuff with Royal mail special delivery am (which has built in insurance i am informed) for a client that got damaged (well i would like to use the word destroyed), the value of the goods were probably £50 (wine, promotional stuff, some documents we owed them), and it cost me £25, thinking i had paid for a premium delivery service where claiming would be easy i sent a claim only for them to announce from a picture of a bag of glass and wine that i had not "packaged the items in accordance with royal mail standards"

Quite how they could establish that i don't know, especially as the box used was a box from laithwaites and had been used to send us the wine.

They said i could appeal it and have the claim "escalated"... if the business had not had claimed over £2k earlier this year off royal mail / parcel force for running over a water connection on a site i might have done it but in reality i can earn more money actually doing my job than chasing a £75 claim.. still its open my eyes to what a joke it is and i will be evaluating what i am sending in the post in future.

I think you should appeal it, first thing if it was not packaged in accordance with royal mail standards it should not be accepted at the first place, they should tell you at the counter

 

[DanielMMS]

Can't be bothered to read through the whole of this but thought I would throw in my tuppence worth.

The OP has paid for a service which has not been provided. He would certainly be entitled to recoup the amount paid for the service itself, ie the delivery charge. Obviously, obtaining compensation for the value of the item lost is rather more grey and, in fact, he would probably be in a stronger position had he not paid for any insurance whatsoever. Without any insurance, the OP could have claimed that the loss was as a result of negligence and, since PM are restricted by law from limiting their liability for negligence (even if both parties agree contractually to such limitation), he would have a fair chance of success. Being a civil matter it would be for PM to prove that they were not negligent and, giving that they have managed to lose the item twice, they would probably struggle!

However, since the OP paid for insurance up to a certain value there are two implications - firstly that, regardless of the sale value, the item is only actually worth £50; and secondly that the OP would be willing to accept £50 in circumstances of complete loss. This sufficiently muddies the waters to limit the chances of achieving anything more than that which has been offered. That said, it cannot do any harm to go back to them stating that the item was lost due to negligence and, therefore, they are liable for full compensation etc

 

[.Lethal]

you chose the wrong insurance, accept the £58 and move on.

Is it wrong I saw OP and then checked the first reply to see if it was about insurance and if they had the correct type?

I agree with this though, if you got the wrong insurance you have to accept it and learn from the mistake.

 

[rG-tom]

I haven't read the entire thread, but please accept the £58 and put this towards English lessons

 

[matthab]

Same, accept £58 and be thankful your getting £8 more than you requested.

Your mistake for putting the incorrect figure no one elses. Just unfortunate they lost it.

 

[stkrup]

Can't be bothered to read through the whole of this but thought I would throw in my tuppence worth.

The OP has paid for a service which has not been provided. He would certainly be entitled to recoup the amount paid for the service itself, ie the delivery charge. Obviously, obtaining compensation for the value of the item lost is rather more grey and, in fact, he would probably be in a stronger position had he not paid for any insurance whatsoever. Without any insurance, the OP could have claimed that the loss was as a result of negligence and, since PM are restricted by law from limiting their liability for negligence (even if both parties agree contractually to such limitation), he would have a fair chance of success. Being a civil matter it would be for PM to prove that they were not negligent and, giving that they have managed to lose the item twice, they would probably struggle!

However, since the OP paid for insurance up to a certain value there are two implications - firstly that, regardless of the sale value, the item is only actually worth £50; and secondly that the OP would be willing to accept £50 in circumstances of complete loss. This sufficiently muddies the waters to limit the chances of achieving anything more than that which has been offered. That said, it cannot do any harm to go back to them stating that the item was lost due to negligence and, therefore, they are liable for full compensation etc

Thanks a lot, good suggestions, some of you guys are advising to accept £58 and forget, the same advices were given to me with my ''lost'' PPI claim and I won it at the end (it took 2,5 year including appeal process). Initially Financial Ombudsman Services dismissed my case simply because insurer showed them mortgage promise stating that I am not required to take any insurance in order to obtain mortgage. I appealed against it and I won it even if my case was very weak and against odds.
I've got some ideas and I will send the letter to PM's legal department in order to try at least.

 

[Cleeecooo]

This is nothing like PPI though, you weren't mis-sold anything.

I honestly don't understand what PM have done wrong. If they were refusing to pay anything out, then you'd have a case, but they're offering the full amount agreed with you.