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    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this ‘clone firm’. View the full article
    • Ok so here is my revised draft :  Any thoughts please....   PCN – Date/time of contravention- 10/11/20 : 15.03 Date of issue – 20/11/2020    Dear Will & John.   I must admit I was in awe of receiving a letter from your esteemed law firm thinking what have I done to deserve such an honour. Perhaps you have discovered a long lost relative has left me a fortune in a will and I could give up work to pursue my love of goat farming using the money to set up a small holding in the outer Hebrides producing fine cheese and goat hair sweaters. Alas no! In bold letters it stated Letter before action almost if one had to get ready for battle and my power ranger pyjamas will have to be on a boil wash first before I can even think about action. Anyway I digress after further research I discovered this is in relation to some parking shenanigans of which I have no knowledge of  and for a place I've never been to so as the private parking world's best solicitors you should be aware, I know that you know a case isn't going anywhere on the facts as presented. I may add that that not all is lost, as I used your letter to line the cat litter tray. Mr wiggles is most pleased with his firm and absorbent lining beaming happily away as he does his cat business before securing a warm spot in front of the fire as we sit down to watch cash in the attic. Good luck with the soliciting business I hear it can be quite lucrative. P.S – it is uncle Herbert who apparently left a fortune so if you do come across him please let me know…   Regards Mr …..      
    • One more analysis, from the Independent's health correspondent.   https://www.independent.co.uk/news/health/coronavirus-deaths-nhs-delays-boris-johnson-b1790208.html
    • I have added the attached [Arguments] So my first 6 pages should hit home, especially with the judge.. Its a big document, but hopefully he wont need to go past Exhibit 06. After that, its all downloaded cases &  etc..but all relevant if he needs them..     Arguments.pdf
    • Amongst the media assessments of the government's record on Covid and doing everything it possibly could, Led By Donkeys have done a good video summary.   https://twitter.com/i/status/1354189403263008769  
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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

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I owe Islington Council for Council Tax. I had been paying Islington council directly then I was made redundant in May, I lowered the amount I am paying but am still paying.


I owe the tax due to a mental breakdown.

I am okay now and am trying to sort out all the mess I got into.


I was paid a bailiff visit sometime last year, I was in no fit state to talk to them and just remember being really scared. 

I heard nothing else from the bailiffs, but started paying the council tax directly to the council.


CDER paid a visit last month and since then I have been trying to sort out what I owe with them. (I was out, my dad spoke to them).


There were no details on the notice of enforcement, just the amount and that it was for council tax.

There were no additional details on the letter left by the agent either.

I emailed CDER and requested details.

They have sent me details of the debt,


the problems are :


1.The date I moved out is wrong. I moved out on the 28th February, they say I owe tax to the 27 March, so an extra month.

2. I know I wrote to the council because my dad made me sit down and write to them and all the utilities.

I was so unwell he took charge.


3.Only £35 of the payments I have made have been recorded, I have paid £245.


4.Their statement has 2 lots of £75 on it, one for last year and one for this year for notice of enforcement.

I never received a letter before the visit last year and I have been asking for a copy of the letter/proof of postage since the visit.

I have also been charged for the visits twice, once this year and once last year. so a total of £620 in fees.


I received an email from CDER today referring me back to the statement they sent me with £35 payments on it and said we have these payments.

They are refusing to check with the council what payments they have received.

I know their statements are wrong because it says I paid by cheque once, I don't even own a chequebook., and I have a standing order paying on the same day every month.


Their answer to my request for a copy of the letter or the proof of posting of the first notice of enforcement was that "In addition to the above, there is no legal requirement to send such correspondence by ‘Registered’ or ‘Recorded’ delivery and all documents would have been sent via 1st class post using the Royal Mail to the address held on record."


Can they charge twice for the same debt?

it was a different company who came last time I think they were called Phoenix.


I have been trying to phone the council about the wrong dates but I keep getting told to speak to CDER, and CDER keep telling me to speak to the council.


I am on universal credit at the moment and can't afford to pay the whole sum.

I  am happy to arrange a payment plan, but surely I should have the right amount I owe?

Or should I just transfer the standing order to CDER while I try to sort this all out?


I don't think CDER are going to accept my payment plan as I don't have lots of money.


If possible could someone help with what I should do next?


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the council should not be simply fwding you back to jbw, sorry CDER.

if its the same LO then no there should not be two NOE's or visit fees for the same debt i don't believe.


is this debt all one liability order or multiple ones from previous CTAX debt to this years bill?



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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are you sure of this, have you concrete proof of this from islington?

of there is only one LO ?

just because they have used 2 bailiff co's at 2 different addresses, i'm sure you can't be charged TWO NOE fees, nor TWO Visit fees for the same LO.


the council ARE responsible for the actions of the Bailiffs they employ..stop getting fobbed off!!


Home - CDER Group


Announcing the launch of CDER Group, the new name for JBW Group, Phoenix Commercial Collections & Collect Services JBW Group has today announced that Phoenix, JBW and Collect Services have merged together to form a single company, CDER…


they only recently all merged together..








please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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