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Returned Item Missing

Hi all,
I recently took part in the PC World / Google 90 Day Chromebook trial.
Sadly, I decided to return the Chromebook to Google.
The company that administers it, Opia, instructed me to use the self service label they provide to send the item to them. I printed it off, and attached it to the box. The label was Parcelforce 48 with the sender as Opia, and the delivery address was to Google.
I therefore took the item to a Post Office and dropped the item off, receiving a receipt (12/9/19). The following day the item has changed to 'collected' (13/9/19).
Opia have told me the item has not been received and Parcelforce state the item is lost but I can't fill in a claim as the Opia did not pay for insurance?!. Opia have therefore said I will not receive my refund (£449!).
What are my rights here?
Opia do state in their terms that they are 'not liable for loss in transit', but isn't it just negligent to force the customer to use their prepaid postage which doesn't cover loss?!
Ahhhh. Thank you.

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