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  1. Hi there, Is there anyone out there who can help me? We have a former GMAC mortgage that went over to mortgage Express. We were keeping up with the mortgage until I finally succumbed to my illness and disability. We are currently five months in arrears which works out to be £4250. I was working part time and my wife was working full time and up to earlier in the year keeping up with our mortgage. We thought we had sorted ourselves out with my working part time and my wife getting a full time job a while ago. I had an operation several years ago, that resulted in dama
  2. Hi everyone, I had two accounts with Amex opened in 2003, One was Amex blue and the otherone was Gold Charge Card. I ran into financial problem and the accounts were terminated and sold to Capquest. I was first offered the Gold Card then followed by the Blue Card. Well, there is no outstanding debts on them now but there were penalty charges on both cards which I would like to claim back. I wrote to them requesting them to repay but they refused. I then sent a LBA and their response is basically the same. Below is their reply to my LBA: (Two letters for the two accounts but th
  3. Hi, This is an issue I'm having with Parcelforce at work. We had a package that we needed to ship from the UK to Belgium on a next day service. This was originally booked in for collection from our offices on 18th December last year, and the package didn't eventually arrive until 27th December (it may have been the 28th, but the tracking information is still not updated). I complained to Parcelforce over the phone because I had performed due diligence in searching for the best shipping service and our parcel hadn't arrived next day. The tracking information hadn't been updated ei
  4. This is a thread to contain my payday loans, my original one is here: HERE Here is a list of the payday loans i taken out from 2011-2014 (ish) The last contact i made with them was December 2017 as instructed by Redbridge Finance a company who was "supposidly" going to help me claim compensation from them. Wonga Quickquid Payday express Mr lender Myjar The money shop The cheque centre To name but a few, there are probably more but it really hurts my head when i try and think back. I am not being chased for any of the above debts at the moment, and
  5. Hi, my friend took NE to London to apply French visa for January trip. The bus arrived in London one and a half hour late because of the driver went to wrong direction (which is unbelievable!) She missed the time slot for French visa, and it is unlikely to apply visa anytime before January. (She has bought tickets and booked hotel already) I searched NE website regards of compensation, but there is not much information. She allowed one hour between coach arrival time and visa. Could she claim the foreseeable loss?
  6. Howdy, I got myself into a real mess with payday loans, going back to divorce/unemployment in 2009. At its worst, between May 2012 and January 2015 I had nearly 140 loans with over a dozen lenders, in an endless bucket brigade of borrowing from one to repay another. I walked away from the whole toxic lot in January 2015 and am now redressing the situation. From May 2012 to October 2013 I borrowed 10 times from Payday Express - deferring, refinancing, reborrowing etc. 10/8/17 - Sent formal complaint requiring refund of interest (£968.97) + 8% interest (£331.21) + removal of adverse
  7. Hello, I am looking for some advice please. I have a standing order weekly to Fedex Europe paying off some outstanding import tax, however today I have received a Notice of Enforcement asking for £958 - includes a number of charges! I can happily print off the invoices for these payments and get these off to them, but I need to know what I can do re the letter? I have emailed them today asking for confirmation of whether any payments have been added to this account. I have until 31st March to get this sorted. Please advise. Thanks
  8. I recently applied for an Amex card to help spread the cost of a large house repair bill. Amex declined my application and specifically cited adverse information in the specific credit reference report. I have applied direct to the credit reference agency and my credit score is 98% and there are no negatives on the credit file. Has anyone come across this before? (apologies if this is posted in the wrong place but I couldnt see an American Express sub forum in the Banks, finance and credit forum. ) I thought it might be linked to my partner so we applied for her credit rep
  9. Hello All I am currently involved in a legal dispute with UKAR regarding a property mortgaged with MX. In order to defend the case, I need an original copy of their Terms and conditions 2004 booklet. I have several "Manipulated" copies that have been sent to be by UKAR however, each copy varies in detail. If anyone has a copy I could borrow/purchase it would be very much appreciated. Thanks
  10. Hi I took a loan out with these guys and struggled to pay it. I did make a complaint with FOS and they declined my complaint (which surprised me as I was in default already with this company and in major debt) However my account is in limbo land. Instead of defaulting the account they keep putting on my credit file its a late payment. My main issue, I have the money to pay. They won't take it (i have offered since December). I have asked and they keep giving me a standard answer advising they are waiting for the FOS to reply, I tell they have and they go quiet. I sent a
  11. Hi All, I was wondering if you could provide some advice please. We took a mortgage out on our current property with Mortgage Express back in 2003. From then until 2009 we made EVERY payment ontime, every single month. in September 2009 we hit some financial difficulty and I phoned them to see if I could request a 1 month holiday payment. I was advised yes I could and it would be added onto the end of the mortgage and a need to reschedule payments would not be needed. Superb. No need to cancel the Direct Debit, nothing at all. About a year a
  12. Hi there, Can anyone help me, I have recently been going through some old paperwork whilst clearing out and have found some statements from credit accounts I had. These were paid off earlier this year after a lengthy repayment period however I do recall questioning the charges once before on the phone. One of these accounts was with Studio/Express Gifts. I have found a thread on here from 2007 but was looking for some up-to date information about reclaiming charges. The Default sum on this account was £20 a time, and I recall that there were many of these placed on my account o
  13. Hello, Been a while! I'm trying to arrange a PPI refund on my load with GE Money. I've sent them a form detailing my complaint - and they've come back to me today, saying- They've looked into my unfair PPI claim They've looked into the commission paid to by the insurer to the lender. They're not going to uphold my complaint, because, according to the copy of the agreement shown - the loan was dealt with by a broker 'The Personal Loan Express' it was taken out in September 2003. all the boxes were typed in, and all the boxes ticked for
  14. I'm just coming to my 8 week deadline for payday loan complaints, and just had a response from Payday Express and Payday UK. They have refused the complaint stating that firstly its older than 6 years and secondly its been longer than 3 years for me to realise there was a problem. Payday Express I had 2 loans 8.5.2009 £400 and 26.11.2009 £100, I then continued to rollover until January 2011. At that point I defaulted and started paying via a DMP. For £500 I have so far paid £2,472.07 and still owe £335.27. Payday UK I was loaning from these from 2008, but my last loans were 30.6.09 £
  15. Hi admin, couldn't find a Payday Express forum, could you please move this conversation to correct place for me. OK I have made a complaint to payday express re a loan provided even though my credit rating at the time was shot to bits with lots of defaults and other pd loans. They have come back to me and said they have'nt been able to look into my complaint due to a heavy workload. So now I want to take my complaint to FOS but need help on how to word my complaint now that PDE have failed to respond within the weeks they were given.
  16. Hi all, About 6 or 7 years ago American Express wrote to me to tell me they'd missold PPI to me and sent me a cheque for about £350. I'd made no contact with them prior to this so it came out of the blue. The letter stated the matter woyld then be resolved and that i could take no further action against them. I dont think I have the letter any more. Is this true? I suspect that they've duped me somewhat and that they actually owe me lots more. Has anyone else encountered this scenario? What should i do? Thanks, Drammy
  17. Hello, I'm looking to get some advice after reading about the redress that payday companies are paying. I had three loans, one with QuickQuid which I repaid in full, one with Payday UK and one with Payday Express, both of which I defaulted on in 2013 and remain a black mark on my credit file. I defaulted on these owing to losing my primary employment and sinking into a sea of debt. I took out the Payday Express loan on the 13/03/2013 and the Payday UK one on 01/07/2013. My first question is - since these defaulted in December 2013, and no payments made since, would it be p
  18. I have my United States Postal Service tracking number and the package was delivered in London at 5.02pm Sunday 29th Sepptember 2015. Status, in transit to destination. it is a priority paid package and signature is required as proof of delivery. It took four days California the London. Day five and still no delivery. I have bent the ear of our postman everyday since Tuesday. We live 125 miles from London. This package is a book, not a big problem to some. This magazine has been out of print since 200015 and there were only two left, mine being one. If i want to
  19. Hi all, I have a corporate card through a very large organisation and I am leaving the company next week to start a new role. I have never missed a payment but the past month I have ran up a £2000 bill roughly. Stupid I know and I haven't missed a payment or anything. My question is..... My american express doesn't show on my credit file at all. I can not pay the full £2000 off in one go like you have to every month. If I didn't pay the bill my understanding and this maybe naive is that the company I used to work for has to pay it? If I d
  20. Hello Everyone, In October 2009 my Flat was repossessed by Mortage Express. I saw the writing on the wall and left the country a month before, I am still abroad now. I also had unsecured debts of circa 25k. Those with CCJ's have now all fallen off my credit report. I believe all the unsecured debts are now statute barred as its been well over 6 years since any payment or acknowledgement of debt. Mortgage Express sold my property with a shortfall of around 70k. My sister tried to buy the property at a higher price than it was eventually sold
  21. Hi there, I am not new, I have another account but I have forgot my login details also in the past I have post content which was not acceptable and I have learnt from that mistake and I am very sorry and it won't happen ever again and I created a new account as I need some very urgent advice. On 5th of February, I made a complaint against my advisor at Job Centre because she keeps threating me with a sanction on my Universal Credit claim all because of my gay slogan t-shirt which has the slogan (NOBODY KNOWS I'M GAY), she said that if I keep wearing my gay t-sh
  22. Hi all, I sent out a complaint letter to Payday Express Limited on the 30/10/2014. The letter about them unfairly adding on interest and charges. Them failing to provide me with the proper statutory pre-contractual information before I entered into the loan – including a clear explanation of the consequences of missing a payment, default and rollover charge. The company not complying with the relevant consumer credit laws and so on. It was a letter a payday loan help guide told me to send to my payday lenders. I will upload a copy of my letter in this post.
  23. I was wondering if anyone may have any thoughts on this email i have just received from Payday express. At the moment I am Paying them £1 per month. payment already assigned for 1st March. thanks for looking
  24. Hi, after some advice and investigation on the Which website, we discovered that there's been some issues around self-certified mortgages. We sent a letter to GE Money using the template letter - I'll attach this. We've now had a response that GE Money didn't sell the loan, The Personal Loan Express Limited did and they are no longer trading, so we should contact their administrators. They then go onto say that the issue is 'time barred' because the loan was taken out over six years ago. Then finally they say the complaint is closed and to refer to the Finance and Leasing
  25. I have a default of £536 with Payday Express. I CDA'd them and they returned the attached PDF (I've omitted dates/names etc.). the key points I have picked up are; Balance £536 Credit Limit £420 [ATTACH=CONFIG]55297[/ATTACH]
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