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    • I have done so now I will see what they say.
    • Hi all,    So long story short, I have just received a notice of debt recovery in the post from dcbl. I opened it because it was addressed to Mr. so and so (my surname but for both first and last name) for an unpaid parking charge that was given back in 2017. I looked up the number plate and the car was actually my mothers car, same initials but different addresses. I think they may have chanced sending it to my address as this is the first time I have received any letter of the sort.    Should I call them and tell them this isn't the right address or just ignore it.    Thanks.   
    • Thanks dx100uk - I'm not sure what the council will do next so will wait and see and update later if there are any developments. Thanks to all on the site for the advice. This has been hanging over my head for so long - wish I'd done it sooner.  
    • You can't really legislate for what may or not happen....get the credit and then see what transpires.   Andy
    • Don't worry about it. Hermes try to wriggle out of every piece of obligation that they have. As soon as you put your parcel into the care of Hermes, it is up to them to look after it and if they are careless or if there staff are criminal – then it is up to them to deal with the problem. They can't pass the buck onto their customers. Can you tell us more about the dates, what it was, value – et cetera. Have you got a formal rejection of your claim from Hermes on the basis that it was stolen? Please could you post up in PDF. If you have some other notification from Hermes that it was stolen from the van then please can you post that up in PDF format. We would love to see it. Spend some time reading around a good dozen or so of the Hermes threads on this sub- forum so that you understand how it all goes. You're pretty well guaranteed to get your money back – but Hermes as usual will spend more than the value of it trying to block you. I don't know what Hermes business model is but it makes no economic sense to me to spend so much time trying to deprive their customers of what they are entitled to along with the reputational risk. Once you have read around the Hermes stories and also once you have read about how to bring a small claim in the County Court, come back here and we will take you through it.
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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
      • 31 replies

Loss Adjusters valuation ???

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My son had an accident last week his insurance company came back to him this morning making an offer of £4100


This is at least £1500 less than the cost to replace the vehicle  on speaking with them she wasn't even looking at the same specification vehicle.


She came back quickly and said £4200 I said no then after an hour she came back to me and said the absolute maximum she will give me is £4500


Where do we go from here ? It is so much less than the cost of buying an equivalent vehicle.

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I suggest that you send them an SAR in order to get all the information you can about the way they handled your case and how they reach their decision.

Additionally, you should now start doing some extensive research in order to find the prices of equivalent vehicles in equivalent condition/mileage – et cetera.

If you can produce suitable evidence to show that they are undervaluing the cost of a replacement vehicle then you will be able to go forward. I'm quite sure they are undervaluing it – this is what insurers do. They generally speaking expect people to accept their valuation because they need the money and they want to get on.

If you are prepared to suffer delays and to gather together a good file of evidence – then you will be able to move the offer upwards – and maybe even to the exact replacement value that you want.

I think you'll find that most insurance companies tend to rely on the fact that people need the money in order to replace their vehicles quickly and therefore they are prepared to cave in and accept less than they are entitled to

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There are no other cars like his for sale in the uk.

He had an Audi A3 black edition 3 door tsfi 1.8  - its a special edition. ITS RARE


The only nearly comparable vehicle is the 5 door version


If he accepted this he would walk away with £3550 (thats with me and his dad paying the whole insurance premium as they will not take DD payment now. for him to pay us monthly)


And I note from this they are asking for the £1600 which includes the credit agreement charge which should be deducted now shouldn't it?


Oh My 










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Well you've already referred to the cost of replacing the vehicle as at least £1500 more than the offer. So you must have some evidence for this.

Also, maybe you are going to need to get an independent valuation – or even two of them.

I'm afraid that the extra money won't be forthcoming without you producing evidence. If you have to get independent evaluations then you should put the insurer on notice that you disagree and that you are going to get independent valuations and if it is shown that you are correct in your assessment then not only will you be expecting them to pay the full value of the vehicle – but also the costs which you have incurred in paying for independent valuations.

Maybe there is an Audi owners club or something where you can get that kind of expertise

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Who said you can't have one? Have you got evidence of that?

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