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    • Well send off the letter of claim when you're ready. There's really no need to hang around. In terms of the particulars of claim – you don't need to send anything extra. Do not click any boxes.   I wasn't aware that you actually had to calculate the daily rate of interest. I'm giving a shout to my site team colleague @Andyorch
    • By the way, is there a telephone number for the mystery handset? Have you tried calling it?
    • Who made the complaint to the ICO? Did we recommend it? An uncharitable side of me wonders whether they aren't considering erasing all data in order to get rid of evidence of their bungling. Have you checked your credit file? I think you need to make sure the get copies of everything you can from anywhere just in case various records get cleaned up. I think should set about that straightaway although it's a nuisance. Keep a note of the time you spend doing it. Are you sure that the problems with Vodafone and also with Three were caused by your blighted credit file – blighted by virgin? Can we take it that your credit file before this was clear? I think it could be an idea to send an SAR to Vodafone and also to Three to see if they have any reference to the problem setting up your account with them and that those problems might have been caused by virgin. Your credit file also might show searches by Vodafone and also by Three. If there's anything else you can think of – then try to get the information.  
    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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I had bailiffs (Marston Group) visiting for a congestion charge fine. They visited twice. The actual fine was £185 which I do not dispute but failed to pay as I just didn't have the money.


On the 2nd visit they warned that they would be back to take goods...still there was nothing I could do.


Then yesterday morning I woke up at 6.30am to the sound of a large vehicle outside. I looked out of the window and they had my car on the back of a truck! I ran downstairs and spoke to them and they said I had to pay £775.73 or they would take it. I had no choice. I can't be without a car. I phoned my Mum and she paid it on her credit card but I only did that because I had no other choice.


I'm so angry that these people are allowed to do this. It's so unfair! The fine was £185 and I had every intention of paying it. Where did the extra charges come from and what are they for??? Are thay allowed to do this to people who are clearly already struggling financially???....I now cannot pay other bills because I will have to pay my Mum back the money (with interest probably because it will take me ages. Is there anything I can do?


Any advice would be very welcome.

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Did the bailiff provide a Notice of Seizure of Goods and Inventory and in which case what were the charges?


It is very important that you get a breakdown. If you do get this can you post here please.


In any event, these fees are simply WRONG and I am shocked that Marston are charging this amount.


Did the bailiff provide proof that he was certificated and did you see a copy of the warrant of execution?

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I am shocked that Marston are charging this amount.


TT, I don't believe you! You've been in this business long enough to know that this type of behaviour is quite normal.



I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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When I opened the door on the morning they had my car on the truck they handed me a Notice of Seizure of Goods and Inventory (I think they were going to post it through the door).

This was the first I knew about them taking my car and they wrote on it that the vehicle had been impounded...they were about to take and had already written that.

Previous to this the bailiff had visited twice. On the first occasion the amount owing was 399.06. On the second occasion the amount had gone up to 474.28 and he gave a final notice.


The charges of the final amount are listed as:

Penalty Charge inc court fee - £185

Bailiffs attendance costs - £335.56

Attendance to Remove - £184.50

VAT - 48.08

Card Handling Fee - 22.59


TOTAL - 775.73

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Any advice would be appreciated. Myself and my partner are both self employed and struggle to make ends meet. We have two small children and a whole load of bills to pay!

Something like this will seriously affect us financially. It will mean that we will fall behind with other payments and bills.

I don't dispute that we owe the fine, but these other charges just seem so unfair. Why are these people allowed to do this? Its wrong!

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Then when you write complaining, include an email copy to your local councillor and your MP - unless they think it's important to them staying in office they won't do anything about it.

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TT, I don't believe you! You've been in this business long enough to know that this type of behaviour is quite normal.




You are quite right about this...and long enough to know that this company were in Court recently and the Judgment was only handed down 3 weeks ago and the Judge made it VERY CLEAR that bailiff's CANNOT charge a fee to immobilise a vehicle and he went even further by saying that the fee was UNLAWFUL. That is why I am SURPRISED that this company would CONTINUE charging these fees.


The fees charged are NOT CORRECT. You need to write to the company to ask for a detailed explanation for the charges that they have made to you.

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I wouldn't know where to start with regards to complaining and I have no idea whether these amounts of charges are allowed or not. I have made various phonecalls to numbers given to me by the CAB but have been told that I am not entitled to free legal advice.

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I'm in the process of writing to the Marston Group re. charges. I'll keep you posted.

I have been told by the Financial Ombudsman the it's my local council that regulate these bailifs so I will send a copy of my letter to them.

Thanks for replies x

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