Thanks for the reply, very helpful

Last July my car insurance renewed, I was on holiday at the time and just let it go through. When I got back at the end of July, I had a letter saying that they hadn't been able to take payment and that I had to pay by the 4th August. Now at this point I didn't have enough cash in my account (being the end of the month) I thought I'd leave it until after pay day as that would be in time. With the date in the letter fixed in my mind I rang up early (~9am) on the 4th to pay the money owed. They told me that they had just cancelled the account half an hour earlier. The letter had said 00:00 on the 4th which I feel is both ambiguous and misleading. I asked if they could just reactivate the policy and I would be perfectly happy to pay the full amount owed. They refused. They said I owed them ~£11 for the 22 days insurance (including the 4th) plus a ~£50 cancellation charge. I contested the charge saying it was disproportionate and offered to pay the £11. They refused. They passed it on to their debt collection team with an extra £25 charge. The debt collection people were weirdly much more reasonable and tried to get the charges removed for me, but this was denied. Now they have passed it on to a debt collection agency with an additional £20 fee. So now apparently I owe roughly 10 times the original amount. Do I need to worry about this debt collection agency or should I just ignore them? Are they likely to take it to court and how might the court view it? I have tried to be reasonable all along and was more than happy to pay for the policy in full or the policy in part (having been cancelled). The cancellation charge seems clearly unfair. Thanks

Thanks for replies. Got their ET3 finally, but I feel I should have got it a long time ago when it was first filed. What are the rules on calling witnesses? How can I persuade former colleagues to act as witnesses against their employer?

I have been sacked for gross misconduct and am taking my former employer to an employment tribunal for unfair dismissal. I have recently been sent a "Further Grounds of Resistance" but I have never received an original "Grounds of Resistance" document. Should I have received a copy of this document? I have a preliminary hearing coming up very soon, but I'm not sure how to prepare. Do I need to know the "grounds of resistance"?