Jump to content
  • Tweets

  • Posts

    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
    • Its new Premium account costs £15 a month and comes with features including phone and travel insurance. View the full article
    • and here is the Hermes response:   Intention I intend to defend all of this claim   Signed I am the Defendant REDACTED Hermes Legal Department 19/10/2020
    • Here is my claim:   Particulars of Claim I posted the Item at a collection point which I was provided the following tracking number: REDACTED The tracking did not update past the point it was collected from this shop, and I had flagged this up from the 6th. PackLink have offered compensation amounting to £25 which I have refused. They do agree that the parcel is indeed lost, but are not willing to payout the value of which the item sold for. PackLink have refunded me the cost of the label which amounted to £7.08 There is a packlink reference number for this case, which is: REDACTED In essence, PackLink admit they are at fault, but are not willing to compensate me for the full value of the item at its sold price. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.   Details of claim Amount claimed£1,490.00 Court fee£70.00 Total amount£1,560.00
    • Thanks for your reply, yes they got the items back undamaged.    The police got of to sign the recorded warning but the man in tesco didn't have me sign anything, he just took my name and address,  didn't ask any other questions or say anything about a "fine"   Was just a one off.  I had just lost and buried my 21 year old nephew.  So really wasn't in right frame of mind. Deffo wont be doing that again.  Nearly 30, with a clean record up till now so was a big shock for some stupid items that I had the money to actually pay for.     I'm currently in the processes of being refereed to a therapist. To try and help.    I'll make sure that I update this if I recieve any more letters from them and I'll make sure to keep them. 
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3770 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello All,



Today I had a lorry sideswipe me (his fault).


My front bumper was ripped off, the passenger electric mirror was ripped off, the passenger front and rear doors are very badly scratched and a dent along the whole thing (will need new skins on each) the front wheel arch on passenger side is dented and scratched, the front panel is scratched and dented on passenger side and cosmetic damage here and there on the other side due to being pushed into trees/bushes on the driver side. the temperature sensor and a few wires are also hanging out where the front bumper once was


i drive an 04 plate vectra 1.8ls with 57k miles. i bought it last year with 39k miles form £3600. do you think they will write the car off? I loved my Vectra but will buy another if written off. i dont want a vectra that has been tainted by damage even if repaired.boom.gif


Cheers all,



Link to post
Share on other sites

Although I can understand your reluctance to keep a car that has had to have major repair work, you will have no say in whether it is repaired or written off by the insurance companies. As far as I know, they will use their "normal" formula of repair cost against car value to determine if it is a write off which used to be if the repair would be more than about 50% of the current car value.


Don't be so wishful for a write off though, because the value the insurance companies put on your car doesn't always reflect what you think it is worth!

Link to post
Share on other sites

HI Thanks for the response.


I understand they will give me marketvalue etc and will offer a low amount if written off.


I have done some research on this forum and others reccommending to copy and paste cars of similar age and mileage etc and to use these prices as examples of what the payout should be. I can be a tough cookie when i need to be but understand it may be a drawn out process. Also, Until they payout (assuming its written off - it will certainly cost more than 50% of the cars value), they will have to pay for my hire car cost, which will keep putting the payout price up.


Incidentally the 3rd party admitted liability (said he didnt see me as i was in his blind spot) to the police offer attending) and so the cost to me will be zero.





Link to post
Share on other sites
I can be a tough cookie when i need to be but understand it may be a drawn out process. Also, Until they payout (assuming its written off - it will certainly cost more than 50% of the cars value), they will have to pay for my hire car cost, which will keep putting the payout price up.




Be careful in this area also regarding hire costs. These are not unlimited and (for example) even as the innocent party, you are required to keep all costs incurred to a minimum. This could include buying a cheap "runaround" whilst the claim is progressing if the alternative seems to be a fairly long term hire, especially if an offer is made to you which you reject and the hire is now going beyond what the insurance companies think is "reasonable".

Link to post
Share on other sites

I had a similar situation last month to my ford galaxy.


Front bumper ripped off, drivers side swiped. Caused £3000 worth of damange and the insurers wrote the car off.

Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office

Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client

Lowell - CCA sent 11/4/07 - No agreement - returned to client

Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client

Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's

Robinson Way - CCA Sent 16/5/07

Link to post
Share on other sites

The car has now been written off and they have offered me £2300 which of course I have rejected.


I spoke to the case officer yesterday who understood that 2300 would not buy me anything like what I had, and I told her of the evidence I have gathered of 10 2004 1.8ls vectras with 50-60k miles which all cost between £3100 and £3800. I have omitted the lowest costing and the ridiculously high costing and sought the median.

The case officer seemed to agree of the low offer and said it was a starting point. In lieu of the evidence I told her I would not accept under £3300 which I hope the next offer will be closer to.



Link to post
Share on other sites

As the other driver was at fault, you can sue him for the difference.


Whilst your contract with your insurance allows them to offer trade value, you are entitled to be put back into the same position as you were in before the 'accident'.

Link to post
Share on other sites
As the other driver was at fault, you can sue him for the difference.


Whilst your contract with your insurance allows them to offer trade value, you are entitled to be put back into the same position as you were in before the 'accident'.


I'm not convinced that would stand up.


The principle of insurance is to be put back into the position you were in and that duty lies with the OP's insurers (if they are fully comprehensive and choose to claim from them). In the event that happens the TP insurers are only responsible and liable for uninsured losses. The OP's insurers do not offer trade value, they are bound by contract to offer what they think it would take to replace the car with a similar one, their offer will be based on what the engineer/assessor values the car at, and to be fair it is rarely GG trade value that is offered.


(The OP does have the choice to deal direct with the TP insurers and not their own insurers)


The OP cannot have 'two bites of the cherry' ie to accept one figure from their own insurers as being the value of the car and then to persue a claim against the other insurers stating they were paid out less than market value and are now seeking the difference.


I am 99% certain the judge would find for the other side if such a claim were made.



Link to post
Share on other sites

Just an another update and to say thanks!


I have received the requested figure of £3300.


I cannot praise bell insurace enough. They have been great and I can now find another car. any suggestions for circa £3500 and a car big enough and comfy enough to drive 20,000 miles a year?



Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...