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    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
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      So I issued the claim on day 15 and they requested more time to respond.
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Car Towed Away, £495 fee to pay-Citywatch


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Hi, I'm new to this forum and im wonder if you could help me.

 

I parked my car next to my friends house, alongside 2 other cars parked. The space was completely off the road and wasnt causing any disturbance to the trafic.

 

I came back 2 hours later and i found out the my car has been towed away. (my friends sisters car has been towed away as well)

 

The sign that was there said "CUSTOMER PARKING ONLY BETWEEN 9AM - 7PM" Because it was at 8.30 pm, i thought i could legally park there.

Its only when the car has been towed away i read the sign fully, and in small print it said, any cars parked outside those hours can be towed away or something like that.

 

The company is called Citywatch and its been towed away from The london borough of havering in Essex.

 

Im completely stunned and speachless.

 

My question is What could i possibly do?

 

Any help would be much appreciated.

 

Kind Regards Luke

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It sounds like it was towed away by a private company.

 

Have you paid. If you have not, and you need to get your cars back, then you should try to pay by credit card as this makes the credit card company jointly liable. Probably you should point out that you think that their actions are unlawful and that you're paying under protest.

 

Provide scans of receipts and carefully read the clamping sticky.

 

You may have to make a court claim to get your money back.

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Given the size of the release fee it's almost certainly a private firm.

 

Have a read of the clamping guide which you can find in the stickies section. Towing away is part of the same activity as Clamping and Blocking In - it's legal term is distress feasant - holding goods or property until damages are paid.

 

If you can return to the site it would pay you to photograph any signage.

These cases often hang on whether signage was adequate. If they make no mention of towing then they shouldn't do it.

 

For the towing to be valid the signage would need to be clear, legible and visible. Ideally visit at the same time as you parked as the lighting of any signs will have a crucial role.

 

If your Credit Card Company won't play ball you may have to resort to court action - make sure you sue the landowner and the clamping firm as they are both liable.

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This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.

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Thank you so much for your replies.

 

Another thing i noticed is that the sign wasn't clearly visible due to poor light. (it happened at night)

 

Where do i have to appeal or who would i have to speak to about this ?

Edited by lukeyboi88
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Thank you so much for your replies.

 

Another thing i noticed is that the sign wasn't clearly visible due to poor light. (it happened at night)

 

Where do i have to appeal or who would i have to speak to about this ?

Make sure you get some photos of it. As this is basically a civil matter your first port of call will be the clamping company and the landowner. They are jointly liable.

 

You have to decide whether a judge would accept that there was insufficient lighting to see the signs. If the judge decides this is the case then that removes the implied consent element (which is the basis they can clamp/tow away under). You may want to check things out with a solicitor first.

 

If you beleive you have a good case then commence with a letter. State the facts, the reason you want your money back and how much you want from them. If in towing away your vehicle you encountered extra charges (such as taxi fares/hire car fees) you could claim those as well.

 

Given them 7-14 days to respond. If no response or a denial of claim is the result then proceed with another letter - titled letter before action. Use a similiar letter to the one above. Give them 14 days to respond.

 

If they deny your claim or don't respond issue proceedings against them in the county court.

 

NB: There is a fee for filing in the county court (or use Money claim online MCOL). You should claim against the landowner and the clamping company.

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This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.

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citiwatch were on watchdog last week - for their tactics

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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citiwatch were on watchdog last week - for their tactics

 

 

Indeed they were, they were also on BBC London too. They wear Police style uniforms and their vehicles are Police liveried. You can sue them but again, wash and post the documentation from them.

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