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    • You can only do your best, tnook. We'll support you no matter what.   The people on the other end of the line are only human beings and you're worth as much as they are. Just go through your arguments and don't be intimidated.     HB
    • I’m wondering how and why this person has got involved? She states that she works for West Midlands police in the cyber bullying/online fraud department. How would this have come to her attention?   The only picture that I have seen of someone on here was posted on Facebook 6 years ago - maybe 17 at the time but would be 24 now. No one is physically threatening this person or has anyone contacted him through Facebook (have they?) We, as victims, are merely conducting our own research, as it does not seem to be of interest to the police - more a civil matter.   My son in law holds the same position as the author with Staffordshire Police and he told me that he would be dismissed if he provided this information online. In fact, any official contact from the police must be made through the appropriate channels, including the officer’s full professional details. This is not an official police warning.  Knowing what I do about this slippery car dealer and the fact that HE follows these threads, I would be more likely to believe that this has something to do with him.
    • No I'm afraid everything here is done in the open. We are all very honest and straight dealing and also we have helped people in respect of this company before – they may be aware of us – but does it really matter? You started off this thread by asking how to they get away with it? The answer is that because even their own customers like to keep the problem secret so it becomes not generally known. If you want to do this secretly then you are simply bringing comfort to the sofa company. Is that what you want? Why?
    • I would like your help but I dont feel comfortable disclosing everything on here as it will be in the public domain.    Is there any way I can discuss my matter privately?    Thanks
    • Two hours to go (11am hearing) going to wear a hole in the carpet so nervous.
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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

No Insurance Penalty Letter. I am insured. Not good enough.

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Ok to summarise:


Received a DVLA fine for not being Insured, and not on the database.


Checked my documents (they had me worried!) I am still insured! Yay.

Conacted Insurer who assured me I am insured and they would check db to update it.

Sent DVLA my appeal which included photocopy of valid insurance, cover letter and info etc.


Received a DVLA Letter saying (this is not verbatim):

"We checked with the insurer and there is no evidence of insurance, pay us"


With angry haste, contacted my insurance company who said "let me investigate"

They then got back to me saying that there had been an error on the computer

and that my insurance had been cancelled by accident at christmas time

(I had paid in full for a year) then gave me a new policy number that covered the year,

apologised alot and said that I was insured in that time even though the computer dropped me by accident.


Sent a copy of my new insurance cert with policy number

and a note explaining the situation to the DVLA

appeals address.


Received a DVLA letter saying:


"Your case has been reconsidered in light of this additional evidence.

However you REMAIN LIABLE for the £100 fixed penalty...... The agency will take court action against you."


I am still insured...

I have an insurance policy covering 12 months.

I have photocopies of all the letters.

I have audio recordings of all phonecalls with insurers. (old habits die hard)


What am I missing ?



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You're missing nothing, if you have it in writing from the insurer that you were insured, let dvla take you to court, you will win hands down





I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.




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What is the date they are saying you had no Insurance ? Is this covered by the Insurance certificate you are sending to DVLA ? Is the registration number correct on the Insurance certificate and matches the V5 registration document ?


You could ask your Insurance company to send you a letter confirming Insurance, so you can forward to DVLA.

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group


If you want advice on your thread please PM me a link to your thread

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The registrations match on all docs. The time they said I was not on the database is inside of the insurance cover!

I can only think that because the Insurance companys computer dropped me from the system that they think

I was actually not insured and I should pay the fine.... which leads me to question, what is insurance?

If I and the insurance company make an agreement for insurance cover, is that not a contract? just becase

an IT glitch at 3am on new years eve kicks me off the system....

Computer says no?

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Just explain to your Insurance company. As it seems to be the Insurers fault, they can issue a letter confirming the Insurance, which can be sent to DVLA.


You don't need to pay the fine, but need to confirm the Insurance, hence getting the Insurance company to do this.

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group


If you want advice on your thread please PM me a link to your thread

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give the letter's to the insurance company, your agreement with the insurance company is to provide you with cover for 1 year, that should include all new regulation's about being on the MID database, they have not withheld there end of the agreement and therefore should pay any fine you get from there action's

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  • 2 months later...

You may not have attended court against D.V.L.A but you might like to know. You can put your case across to the magistrates and ask for costs etc. Do not and i mean do not discuss anything with their legal rep. Apart from theat you are not admitting the offence. Even if the brief pushes you. Tell the magistrates and hang in. Dvla rep will be red in face.

So whats cooking today ?

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