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    • is response to CPR rules you sent me - my observations are   1)they havent stated under what law/legislation they make a claim, they have mentioned document they rely on but didnt serve it with application as above   2)they didnt serve application or evidence on me ever! court knows this    3)this is a telephone hearing where no oral evidence is to be given , do we do skeleton arguments or court bundle , when do we give to court - order is to only submit evidence in response 7 days before hearing   4) there are /is a document which gives complete defence to the claim, disclosable at trial , so they shouldnt have sought summary judgement a)i have an email from them ,  a deed of guarantee and indemnity (DOGI) was required for guarantee, pre condition to lending b)i have a docusign email sending request to sign this  DOGI document (not attached it was a docusign login) , c)they dont have a copy of it and havent provided under SAR or specific request.  d) anyone who does a DOGI, is not defined as a 'Guarantor' in the agreement, which is not signed in a personal capacity anyway, e)so in the application they rely on loan agreement having a self contained gurantor section, and the fact my name is next to word guarantor (but not signed personally, no statute of frauds anyways)   their definition of a guarantor-"person named in offer letter who enters into this loan agreement to provide a personal guarantee and indemnity. this definition excludes any third party guarantor who enters into a seperate DOGI"
    • Hi Anney.   Let's give this a bit longer. With the best will in the world, altosbestos hasn't been here very long and we don't know much about them. It would be good to know what forum regulars think about what altos is advising.   HB  
    • thanks for that very helpful, ill make some points on it in a minute just wanted to say they never served me application against CPR, i had to obtain off court a copy. They refer in wtiness st - marked as what they rely to support application a paginated bundle PR1 which apparently accompanies the statement, i can see from the references and amount of pages it should be the loan offer and loan agreement, as you would expect.   so i asked court can i have copy of PR1 so i can check, they just got back and said  claimant has never either in electronic database or in paper, served a bundle PR1 with the application,    there said it was claimants job to serve everyone and me- so ask them      i was about to and i had a thought, they havent submitted any evidence in support of their application why remind them !   in theory judge will get to hearing and go where is your evidence of this agreement?   and for the record they are very sloppy and do make major mistakes in their paperwork, so this isnt unusual
    • You can draft the letter before action yourself and send it against the individual that's not giving you clear responses. No need to involve solicitors at this stage.   I would recommend you do it today, start maintaining a paper trail. 
    • Obviously the real proof will come when the contract is revealed.   In the meantime you could write to the DVLA asking who applied for your data back in 2017. And show them the signage where both companies are listed and ask in view of who asked for your details, did the right one apply and what is their view on both companies showing on the sign.   Is this legal and explain that you are in the middle of a Court case and they may be called.
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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

Council tax benefit

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I’ve applied for council tax help, but I’ve been refused, 


Our UC is 2424.24 before deductions after we normally get 530, if rent and advantage was not there it would be 1299. 

today they sent an email saying they only take 831 and the carers element of 291 out of it, so I should get 1300 a month which is correct, but we have the rent paid with the UC 


My partners wages are different each month but they say even with 1300 we not entitled to any help, I’m lost as we don’t see the £1300pcm we only get roughly 530pcm my patented only ever gets 1600 pcm in wages max. 

I can’t find a breakdown of what is ment to be used for it as when I do entitled to and the councils own calculator online it says we entitled to £25pw to help 

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The true experts in this field will be along as soon as they are free.


As it is the Friday and leading into the weekend, responses may be slow as everyone is with families etc.


The Council should have provided you with a breakdown of the financials and how they reached their decision.

The letter should state that you can take it to an independent tribunal but await others who are more knowledgeable. 


Your UC online statement should also show how much your are paid for your Housing Benefit.


I am replying because we are having the exact same issue as yourself with our local Council.





NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!


If I have helped you, click on the star & say thank you

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Thanks, nope no breakdown they don’t Bother just an email to say bill is now due.


my HB is paid direct to landlord from UC if love you have 1300pcm it would be a huge help, but we don’t and it seems since Uc came in it’s really messed this up! 

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You need to ask for a breakdown of figures of how the Council came to their decision.


Once received you can ask the Council to review, make sure you point out the errors in plain childproof English as Council workers are not employed for their intelligence! and if not ask them for a deadlock/final decision letter to take to the independent tribunal.





NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!


If I have helped you, click on the star & say thank you

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Will do thank you! 

ive been told on phone the following

UC Mac award 2424.15, they only deduct 831.78 and 291.42 for carers they then add my partners earnings on 1612 and the carers allowance of 67 a week, 


ive asked for a full official breakdown 

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To be fair call ‘em again they might have a different story. The nice lady at my local council told me they were really sorry but the system is completely messed up and the figures keep changing for many people every month. I’ve had 3 revisions of my C/tax bill already.


As a practical advice I recommend you contact your local elected councillor. You should be able to Google their mobile / email details.

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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