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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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Monument Credit Card.


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Further to my previous posts, I have more queries regarding this joke of a credit card company. I have requested 3 times now a copy of my CCA. They have sent me a photocopy which is not a full agreement and they say they do not have to. They have also closed my account and are threatening either court action or a dca. Also on the statement I received during the week, I notice they have added interest. The letter I received saying my account was now closed was dated 17/04/09, yet also on the 17th they addes £19.05 interest to my account!! Is this legal? Surely if an account is closed they cannot add interest? What do I do next? I have applied for a D R O and am awaiting the outcome but I dont know how long this takes.:confused:

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Through no fault of my own, I got into serious financial difficulties at the beginner of the year. I wrote to all my creditors advising them of this, but one in particular, Monument Credit card, has excelled itself in the field of harassment.

I have sent them a complete run down of my incomings.outgoing (as requested) a list of my creditors and amounts (as requested) offered a token payment every month (declined) I have also sent them the 'do not harass me by phone calls letter' (ignored) 3 requests for my CCA. I got a letter back which was a photocopy of my application form (nothing sign by them) I have told them my account is in dispute because of this (ignored, they continue to phone up to 5 times a day asking me to 'bring my account up to date' even though they closed it last month. I am making token payments of £5 a month, which they say is not enough, yet still accept!!! Pay Plan has also written to them advising them that as my debts are quite large, and my income small, they cannot arrange a debt management plan for me. They asked that they freeze charges for the time being. (totally ignored, yet one of their call handlers told me if I sent them a letter from PayPlan explaining things, they would have to accept it) What do I do next? I have contacted Trading Standards (useless) OFT (say they cant help) and FSA (no reply) Since Mar 18 there have been over 80 calls from them. I have answered 2.

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Blondie, you're in the wrong forum here for debt advice. Click the red triangle & ask a mod to move it & then you'll stand a better chance of getting your answers. :)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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It's OK - you have opened a new thread but not in the debt forum. Just ask a mod to move all these posts to the forum you want to post in.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hi, blondie46.

 

I'll move this thread to the DCA Forum.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Hi there:)

 

With the phone calls, my own personal experience is that if you ignore them they tend to get worse. I'm not for a minute saying get into a conversation with them, or even go through security, but for us it worked to just repeat parrot fashion;

 

'I do not discuss financial matters over the phone. Everything must be in writing, and you have been told this. I'm going to hang up now, goodbye'

 

For some we did this but had to combine it with letters complaining about them ignoring the previous letters, while others realised phoning was a waste of their time pretty quickly.

 

It's probably worth a go anyway, as it's no worse than that tension that immediately hits every time the phone rings and you don't know who it is. If you can change your tack and tell them to bugger off (so to speak) rather than trying to ignore the phone, you may well find you're a lot more stress free from that point of view.

 

It may also be worth your while writing to someone with a bit of oomph there rather than their standard complaint dept. Try the CEO or similar, explaining the harassment and including a copy of the letters you've sent that have been ignored. That may get you a better response?

 

If you do decide to answer the phone to them, either get a cheap recorder or at the very least tell them you are recording the call - that normally makes them behave a little more politely for a while! I must re-iterate though, if you do talk to them make sure it's short and sweet. Don't go through security and just repeat 'in writing only' every time.

 

Have you tried SAR'ing them for the agreement? It's a bit harder for them to ignore that than a CCA.

 

With the lower payment, I've had exactly the same with OH's MBNA account. After asking several times for them to agree to a plan without success, I wrote and told them I had no choice but to lower the amounts. They did continue to add charges and interest until I wrote a letter that included this paragraph

 

Further to my letter dated 21st July 2008 (received by you on the 23rd July 2008), I have still not received anything in writing regarding the reduced payment plan that I have been trying to set up. I have though received statements showing interest and charges being added, despite the fact I wrote to you regarding my current severe financial problems back in June. I am not sure what is to be achieved by penalising me in this way, other than increasing the debt owed to your company.

 

For whatever reason it seemed to spur them on to drop the charges and interest (possibly they realised should this reach litigation or if I complained to the right people they'd look rather poor if they continued?) Maybe it would work for you if you include something similar in another letter?

 

They still didn't accept the reduced payment offer though (although like you they didn't refuse the money) and we did end up with the account being sold on:rolleyes: At least the interest etc had been stopped though.

 

I did this because the form they sent appeared to be enforceable - I may have changed my approach if it wasn't.

 

Can you scan the form they sent (removing all personal info) and post it up? I probably won't be able to tell you anything from it but there's many who can!

 

That's all I can think of for now.

 

Keep your chin up, and remember there's a lot of support on here when you need it.

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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Yes, but also I've just realised that you've said the account was closed but haven't mentioned anything about a default notice? Or am I just going word blind?

 

If they terminated the account without sending one they're in a bit of a pickle.

Time flies like an arrow...

Fruit flies like a banana.

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Yeah, they have sent the default notice. Attched is what they sent me in reply to my request for a CCA.

 

 

 

 

 

blanked out cca from mon.jpg

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Well, it doesn't appear to include the prescribed terms but it's a bit small to read blondie. Could you use photobucket or similar to upload again please?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Can you send me the link to photo bucket please? Dates are ok as far as I can see (my birthdate is right cos I put it on there but as regard anything else, [email protected] not sure. Know I've had the card for a long time though)

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Dates are ok as far as I can see (my birthdate is right cos I put it on there but as regard anything else, [email protected] not sure. Know I've had the card for a long time though)

 

I think lexis meant are the dates legit on the DN? i.e have they given you the correct statutory time limits to rectify the default & was it sent in the prescribed format?

 

If you want to post that up aswell (minus personal details) for further advice, please do so.

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Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I think lexis meant are the dates legit on the DN? i.e have they given you the correct statutory time limits to rectify the default & was it sent in the prescribed format?

 

If you want to post that up aswell (minus personal details) for further advice, please do so.

Oh, I dont know about that! I just read default notice and that was that :(

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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I think lexis meant are the dates legit on the DN? i.e have they given you the correct statutory time limits to rectify the default & was it sent in the prescribed format?

 

If you want to post that up aswell (minus personal details) for further advice, please do so.

 

Yep, I did:) I was in a rush and didn't post a full sentence, sorry about that!

 

AFAIK, if that's all they've sent for the CCA they're falling pretty short of the mark. They'd need to have also sent historic and current terms to have complied, but as it stands they a) haven't complied and b) haven't sent you an enforceable agreement from what I can see. I'm sure I'll be corrected soon enough if that's off the mark, but it looks pretty rough to me.

 

It's a good start at least, as they haven't sent you a generic blank document but an application with your signature. I hate it when you get the blank one as they could have anything stashed away and just couldn't be bothered to find it. I always feel when they send one with your sig it's in the hope you'll assume they're all legal and legit. Of course they may have something up their sleeve, but I would be happier to recieve this than the alternative as I reckon it means it's less likely they have an actual agreement.

 

My thinking behind that is that it's unlikely you'd have been asked to sign two seperate documents (at least it's not something I can ever remember having to do?!), so if they send you something like this it is (with any luck) the only thing they have.

 

If you can afford the time/cash, my next step tends to be to get an SAR out specifically requesting copies of signed original contracts and see if that throws up anything else so I can be more confident of my footing. Other people would however just tell them to bugger off at this point, which is also be a valid way to go (although in my opinion more risky) - it's a personal choice really.

 

If you can get the default notice posted too then the dates/form etc can be checked as foolishgirl mentioned. If they have messed up on that it's another nail in the coffin for them:)

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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Not sure what's happened here blondie - the links above in posts 17 & 19 take me to an image headed Cap1 & what appears to be a generic T&Cs for a credit agreement. :confused:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Oh sorry, not very good at this am I ??

 

 

 

This was the one I meant to post. It is the default notice from Monument. Sorry for the mix up, I'll get me head around this one of these days

Edited by blondie46

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Blondie, youve left your acc number on,

remove it before prying eyes identify you and your intentions ;)

 

What date was the dn issued, and when was it received,?

 

Mak

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Was there another date on this letter other than the one you were expected to settle by?

Anthrax alert at debt collectors caused by box of doughnuts

 

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I can now see the DN Blondie. The only thing I would question is the timing - see mak's post above.

 

However I can't see your agreement, only Cap1 T&Cs. Lexis seems to think there was a signature? :confused:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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