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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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Mortgage help please


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I opened nationwide flex account online. Soon as I had new account details, I phoned benefits people, gave new account number and it was done straight away! They then sent letters with the new details on.

The only thing is, I don't have a cheque book or debit card but accounts are different!

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I opened nationwide flex account online. Soon as I had new account details, I phoned benefits people, gave new account number and it was done straight away! They then sent letters with the new details on.

The only thing is, I don't have a cheque book or debit card but accounts are different!

 

 

Hi there

 

And thank you.

 

We called into Abbey national this afternoon and their transfer machines were down, we could have hung around while they were getting this sorted out but they did not know how long it would take.

 

They are open again tomorrow until 2pm, which we are pleased about for a Saturday, so we go back tomorrow.

 

We were told they would transfer everything for us, and then I shall contact who we have to.

They said the debit cards can take about 5-7 days after transferring.

 

So this time tomorrow we should have a new account and of course understand we to leave the current account open for now.;-)

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Excellent, well done. One less thing to worry about:)

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Great news. Once you are away from LTSB you will feel more in control. less than 2 weeks now till your appointment.

Hope you all have a good long week end.

C

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Thank you all.;):)

 

Our appointment has been changed for this coming Tuesday, they told us to ring this morning, because of the systems were playing up yesterday, but instead they rang us to let us know, by all means still come in but the systems are running slow, or to have a personal appointment for Tuesday 12:30-1pm, so we opted for that because it gives me a chance to sort out the direct debits etc and with it being Bank holiday as well I can't see it making much difference.

 

However, my hubby still pays for his union membership, this is mainly because the company he worked for closed down without notice (steel plant) where all the workers are owed money still and compensation, this can take a good while yet, so due to this I thought I would check out the benefits they offer while he is still paying for it, check this out here and please tell me what you think, cheers:

Community Benevolent Fund

 

It does state its the last resort, but still if we don't ask then we don't get.

 

Thanks again.;)

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Di, there is absolutely no harm in asking. As you say.. if you dont ask you dont get.:)

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Di, there is absolutely no harm in asking. As you say.. if you dont ask you dont get.:)

 

 

Cheers.;)

 

I was checking through the case studies on the site also.

 

Not sure the amounts to enclose on the form though, as they don't state a limit.

 

We are almost 3 months in mortgage arrears until something is sorted out with CCCS, even though we are making token payments of up to £60 each week or less.

 

Overdraft limit coming to an end and with a child with autism/disabilities, we should add that as well.

 

Would you class that as severe hardship though?

Not had repossession letters yet but am expecting them anytime.

 

Thank you.;)

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Hi Di, if you are behind on your mortgage by 3 months, then yes I would consider that so.

 

IMHO, I would expect them to take into consideration the fact that you have a child with disabilities as well. Go for it :)

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Di, if you are behind on your mortgage by 3 months, then yes I would consider that so.

 

IMHO, I would expect them to take into consideration the fact that you have a child with disabilities as well. Go for it :)

 

 

Thank you, will give it a go.;):)

 

I know I have to confirm the CCCS to them, but they are not going to exactly fund for this, so will give it our best shot, will let you know how we get on, thank you.:)

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  • 2 weeks later...

hiya all

 

just wanted to say hiya and keep positive

 

im in our credit union its been good for me for saving and the link ell-enn gave will get to your local one pls take a look and it will hopefully give you some further hope for the future - if you wish to ask me any questions im happy to help

 

have a sunny weekend laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi there and cheers for asking.

 

Account all sorted.

 

Appointment went pretty well with CCCS on Thursday, but unfortunately a DMP could not be made at this current time until the finances improve, they sent us the letters by email attachment to send to the 4 creditors about token payments only, where we would have more left to pay on the mortgage.

 

We have since been in touch with Chelt&Glos (lloyds team) and for once a nice guy who my hubby spoken to said, obviously try to pay all we can, and as soon as he returns to new employment (with a bit of luck it should be soon), they will make more official arrangement, but meanwhile keep paying what we can, it helps but its not actually going to stop the letters.

 

I thought Chelt-Glos (lloyds) had started the scheme, but they have said not yet.

 

Anyhow, nothing has actually been signed with CCCS as its not an official plan, but hubby heard from his union, where he still pays a small amount for every month (as has been with this steel union) Community of life union for a number of years, but whilst unemployed due to the plant going into administration he now pays the reduced payments for this.

 

Anyhow the union said they can also help, we completed a "Bens fund" form, this is for hardship, where we might have some funding, this was completed over a week or so ago, but anyway the guy from the union rang yesterday to ask how the CCCS appointment went, we explained there is not enough left for a plan and the union dept are supposed to be calling back early part of next week to see if they can help even further, especially due to the mortgage arrears.

 

I will keep you updated, thanks so much.:);)

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Sounds a little more positive, di. Fingers crossed for next week :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you.;)

 

Here is the link to my hubbys union, many say its best to go to the union if they are able to help further, especially as they have legal protection as well:

 

Community Union Services

 

Why we did not think of these before lol.......:oops:

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Thank you.;)

 

Here is the link to my hubbys union, many say its best to go to the union if they are able to help further, especially as they have legal protection as well:

 

Community Union Services

 

Why we did not think of these before lol.......:oops:

 

Probably because you were scared, embarrassed, weighted down with the worry. You were more than likely just panicking and not thinking straight. Sounds like an all round care/assist package they offer. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Probably because you were scared, embarrassed, weighted down with the worry. You were more than likely just panicking and not thinking straight. Sounds like an all round care/assist package they offer. :)

 

 

lol, I think so too and knowing where to start as well.;)

Cheers.

Not a bad union overall, so far so good, in fact the guy from the fund we applied for yesterday said he will get on to this straight away and see what they can do to help altogether, he was the adjudicator-manager/Boss from the union, he said to hubby "he understood" and more must be done, so fingers crossed, he is supposed to be ringing early part of next week, every penny helps for the mortgage.;)

 

Can't remember if I said before, but where my hubby worked, the steel plant went into administration, due to this himself and about 399 other workers are due for compensation which has been won at courts last year, and its only now a matter of time when they will receive this, the union guy from Cardiff confirmed this the other day.

The guy that rang yesterday was the one from London........what you call the BIG Boss.:grin:

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Definitely worth the call then Di. Lets hope they dont hang around too long with the compensation for hubby. Enjoy the rest of the weekend.:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Definitely worth the call then Di. Lets hope they dont hang around too long with the compensation for hubby. Enjoy the rest of the weekend.:)

 

 

Defo worth the call, its looking more hopeful now.

The compo can't come quick enough lol, I'm sure it will be sent out all in good time.;)

Thank you and you too enjoy the rest of the weekend, cheers.:);)

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Hi Di, affixed is the letter you asked for to send to C & G. Also affixed is the budget sheet you need to send with it. Remember to send by recorded delivery, keep a copy of the letter, budget sheet and proof of posting. Check on the royalmail website in a few days to print off the signature receipt and keep it safe with the letter.

 

Any questions, just shout.

 

Ell-enn

Di letter.doc

Budget Sheet.xls

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Hi Di, affixed is the letter you asked for to send to C & G. Also affixed is the budget sheet you need to send with it. Remember to send by recorded delivery, keep a copy of the letter, budget sheet and proof of posting. Check on the royalmail website in a few days to print off the signature receipt and keep it safe with the letter.

 

Any questions, just shout.

 

Ell-enn

 

 

Hi Ell-enn

 

This is fantastic thank you.:);)

Shall I send them the budget sheet already made out by the CCCS the other day as it has the CCCS client ref number on it as well?

 

Thank you so much for your support and time Ell, you've been amazing, I shall keep you posted and remember to post by recorded delivery and keep the receipt to this safe.;) Also from the Royal Mail website "tracking" receipt. Cheers so much indeed.

 

Di

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If you have a CCCS budget sheet already filled in then that will be fine to send with the letter.

 

Ell

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Keep us posted on how things are going Di . I really hope the union can help with some payment for you and that your hubby finds work soon - it must be a very worrying time for you. However, you know you can come on here and get support and help when you need it :)

 

Stay positive:)

 

Ellx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you so much Ell.;)

 

Letter all done with the budget sheet, ready to be posted in the post office tomorrow (2st class recorded delivery), I will post the reference number on here also, if that is okay, as sometimes aol does not always let me go onto royal mail lol for some silly reason, even though I can check through Internet explorer.

 

I will post up on here tomorrow with the ref tracking and check it out then on Tuesday, thanks so much for your help, I appreciate this so much, my hubby Dai also says a BIG thank you.;):)

 

Feeling better already.

I shall also keep you posted on the union, with a bit of luck we should hear from them by tomorrow or maybe Tuesday, if not we shall chase them up also.:) Your help and support have been tops!:smile:

 

Thank you XXXX

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Forgot to ask, I am about to also request a Mortgage payment booklet, does anyone know if providers do these and especially Chelt&Glos? lol.

 

Not have a cheque book anymore and do not want to pay over the phone and give new banking details really, due to going with CCCS for token payments arranged for all lloyds unsecured loan creditors.

 

While waiting for the payment book if they do this, is postal orders okay to pay the mortgage for now?

 

Cheers again.:D;)

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