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    • Update: the lawyer friend sent a very good legal letter last week  The third letter will be sent over the next few days - here is the proposed text - your comments welcome as ever: Dear Will & John Letter Reference:xxxx I write with reference to your recent letter in relation to PCN numberxxxxx You threaten Court proceeding on behalf of your client yet your client’s rationale for charging me has no legal substance. An alleged parking offence as a breach of an alleged contract.  I have no contract or terms and conditions with your client.   Furthermore, the sum you are requesting is fictitious. I have no intention of paying any monies to your client. You had no legitimate reason to access my personal details so are already in breach of GDPR by texting me several times on my personal number which I have not given permission for you to use.  Coupled with the several letters you have sent your persistence amounts to nothing short of harassment. Should this continue I will have no hesitation in contacting the ICO to report the breach. The letters I have received will be useful as tinder for the open fire in my living room now the weather has turned cold again. Should you wish to take me to court, I will be seeking full costs through a recovery order under CPR 27:14 which will come in handy now I find myself in the unenviable position of redundancy as a result of Covid. Yours Sincerely   Copied to PCM UK "you don't want to be Gladstoned"   Thanks AJJM
    • Letter received from Cabot - "Unfortunately  do not have relevant information on file" Requesting from original lender. Will write within 12 days with an update. Requesting I get in contact to make a plan. Suspect they will get a CCA from Lloyds so ned to think of how to proceed if they do supply one.  Lloyds did cancel the credit card and accepted £5 per month and no interest. Do not want to pat the DCA.
    • £18 billion on PPE instead of £3-4B max £22 billion on trace a test instead of about £2-3 at most as in other countries for doing better £500 million on eat out to spread the virus instead of 150M to feed kids and support local businesses   Thats £35+ billion in taxpayer money wasted    
    • Sorry but I don't necessarily agree with my site team colleague above. I'd like to see diagrams and understand the situation fully before making a judgement. I've been asking for a diagram since Thursday evening – and I'm still not sure why we don't have one. I understand that the van was pulling out from a parking position.
    • the van was stationary when hit..... sorry end of the matter.   it doesn't matter he p'haps  'did something wrong'  its like say running a child over and saying well if he didn't run in the road he wouldn't of got hit.... you should not have been driving in a manner be it legal or not, whereby you could not take the necessary actions to avoid it.   so where do you now stand, what is not resolved to a manner which you feel this is unfair to you...
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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!
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    • 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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Dear X


I am acting as lay representative for xxx. I refer to your letter dated xxx.


[only include bits in square brackets if they are a road you are going down.]


We do not believe that xxxx is liable to your client for the amounts claimed or at all. [it is our position that your client accepted xxx's immediate resignation on xxxx.][it is our position that your client was in repudiatory breach of contract due to xxx which xxx accepted, thus bringing the contract of employment to an end.] [The contract of employment does not clearly refer to liability on account of agency costs.]


Please also be aware that xxx was unable to work during the six week period for medical reasons, due to xxx. Please find enclosed select documentation in support of this. Your client would have incurred agency costs regardless and consequently there is no loss for it to pursue. Furthermore, if it is your client's position that the contract of employment continued for a six week notice period and the court agrees, your client would be liable to xxx for at least statutory sick pay during that period.


In relation to the figures mentioned in your letter, these do not add up due to xxx. Further proof of xxx is required due to xxxx. Pursuant to paragraph 5.1 of Annex A of the Practice Direction on Pre-Action Conduct, if your client wishes to pursue this matter you are required to provide such documents within as short a time period as is practicable.


For these reasons, the claim made by your client is not accepted. If your client chooses to bring proceedings they will be vigorously contested. xxx reserves the right to bring a counterclaim for unpaid pay of xxx and/or sick pay during the six week period.


Yours sincerely





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Oh thank you both so much, your input will make it much easier for me to word now, really appreciate your time.


Agreed, some people give too much information away, on a personal and business level, I'm a huge offender!


Thanks again

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Does this look okay? Looks a bit rude to me, but trying desperately not to waffle or give anything away I cant go back on as Sweetlorraine suggested.



I am currently acting as lay representative for ****

In response to your letter dated 14/03/2014, we do not believe **** has any liabilities to your client for the amount stated, or at all.



The contract of employment does not clearly refer to liability on account of agency staff costs.

***** was declared unfit for work by her GP, therefore unable to work the 6 weeks notice period. **** remained unfit for work until 1st March 2014.




Information required



Explain the figures in your letter as they don’t add up.

Substantiate losses and provide proof.



If your client chooses to bring proceedings, they will be vigorously contested and *** ** reserves the right to bring a counterclaim for unpaid pay and holiday pay. Once I have received the requested documents, I will forward to you, all documents we intend to rely on in court.

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I think you should remove the last sentence. The CPR encourages disclosure of essential documents by each side before proceedings are issued, but you shouldn't be undertaking to provide all documents you intend to rely on in court at this early stage. This comes later if proceedings are brought.


I would add something like 'and accordingly your client did not suffer any loss as a result of xxx's resignation.' after '1st March 2014'.




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Um, after removing last sentence, and adding as suggested above, should I add, enclosed is the medical certs covering the 6 weeks relevant period, and list employment contract, letters between the parties as docs to rely on court, or do I send some of them now, maybe just the correspondence during the first 2 months

Sorry, bit confussed,

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Save it until you reach the disclosure stage of court proceedings. Before proceedings have been issued there is no requirement to provide any documents. Despite their very broadly worded request, it is not normal to provide everything you might want to rely on before proceedings have been issued.


I would probably provide the medical certificates, providing the certificates clearly show that she was unable to work during that six weeks. If they don't clearly show this then I would keep my power dry and simply not provide any documents at all.


Certainly no need to provide the letters or employment contracts or letters as they already have these.




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Medical certificates are clear, so I will send those, 2 x each for 4 weeks


Glad you clarified the documents issue, I was concerned as solicitors did state in their letter to send documents with the full response, so thanks for that.

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  • 5 weeks later...

If you have already replied clearly setting out why you deny liability, and retained a copy, then probably not necessary to provide the same information again. It is looking like they will go ahead and issue a claim so you need to be prepared for that.




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crossing my fingers it's posturing. You've already replied, of she intended to go to court, why would she be delaying?

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Thanks Emmzzi, that's what we're thinking, she's said at least a dozen times she'll take it to court, just get on with it and let's get it over one way or the other.

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  • 2 months later...
  • 6 months later...

A year on and heard nothing more. Hoping that's the end of it, but will update in the unlikely event of anything further.

Many many thanks for all who offered advice ate he time.

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