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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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I have been on the Pounds till Payday merry-go-round for several months and no matter how hard i try i am unable to get straight in paying them off and having to borrow again each month.


After reading through the forums i have decided to cancel my DD in attempt to come to some arrangement to pay this debt off in installments. Within 48 hours of cancelling my DD, Pounds till Payday phoned my mobile and emailed me. I dont know how they have got my mobile number as i have changed giving them my details.


The email is as follows .............


Dear drob


We would like to inform you that according to our records your Direct Debit

Mandate with us has been cancelled. We would need you to reinstate the Mandate

as soon as possible.


As your repayment date would be 29/05/09, there will not be enough time to set

up an new agreement with your bank on our website as we need at least a minimum

amount of 8 business days between till the repayment date.


The alternative to this would be to go to your bank branch and have your Direct

Debit Mandate reinstated. This would take 4 full business days to complete and

would be the only alternative way to have your funds repaid via Direct Debit.

Please note that it is at the discretion of the customer to make sure that your

Direct Debit Instruction has been successfully set up again in time for your

repayment date.


Unfortunately, if you would not be able to have your mandate reinstated at your

Bank we will not be able to debit the funds on the due back repayment

date, so we would kindly ask you to be in contact with our Payment Services

Department to arrange an alternative payment.


Payment Services Department can be contacted on 08000 32 76 53. Their hours of

operation are Monday to Friday, 8am to 8pm.


It is important to note please that if you would not be able to have your

mandate reinstated and you would not contact our Payment Services Department

before or on your repayment date, you could incur an extra fee of £59.00 and

have your loan limit with Poindstillpayday.co.uk reduce for your next loan to

that of £100.00 only.


I now await the harrasement and refusal of a payment plan, but i cant see any other way to get off the merry-go-round of PayDay loans.

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I received a default notice by email today from PTP. The default is not legal in any shape or form.


I find it shocking that this has been issued 1 day before repayment is due


A few minutes after receiving i received a telephone call from someone claiming to represent PTP. I refused to give my date of birth and post code so she got very aggressive telling me that she needs to speak to me regarding a sensitive matter.


I told if its sensitive then she can contact me by telephone, with that she said she would email me and slammed the phone down.

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Don't worry.


You will still get the odd call from some A-hole in Canada or Ireland until they pass the account to their DCA.


They will not agree a repayment plan directly with you for some reason, unless you can pay it back within the month.... Which, if you could, means that you would not have defaulted in the first place... Surely?


I am waiting for the DCA to contact me having already offered PTP £100 a month against a £910 debt.


If they had accepted it they would have had £200 back by now.


They will have to wait a lot longer for their money now though.

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They have rang a couple of times but i refuse to answer the security questions and repeatedly tell them "email or in writing only"


I have sent them the following email, yet they have not yet replied,


Dear PTP


I am aware that the terms & conditions of the loan agreement state that

Pounds Till Payday do not allow rollovers, extensions, payment plans nor

payments in installments. The loan is issued on a maximum 31 day loan

period., however due to my unforeseen circumstances i would ask you on this

occasion to consider a payment plan and freeze any interest or charges that

may be applied to this account.


If this is acceptable please send me your bank details and i will set up an

immediate Standing Order to pay £54.93 immediately followed by £50 per month

until the account is clear.


Also please be advised that I will only communicate with you in writing or

by email any attempts to contact me by telephone will be duly logged by time

and date.

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Hi Drob - I am afraid this is the nature of PayDay loans. they accept all (or most comers) but in turn have strong enforcement policies. Having said that they probably will agree a short repayment plan as it is not in their interests not to - however stand by for some huge default charges - most fo which are probably not lawful under the UTCC regulations. I would recommend that you start paying them back even if they don't reply to you - get that debt down and paid asap.


PTPD are a Malta based company with their main offices in N America. However they do, of course, have a UK based registered office.


May I ask you how much, inc interest you owe?


If you go to their web site you will find payment details there (look at the bank giro form in the 'update info' section)

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Yes, that is to stop you paying them off bit by bit - silly idiots - wouldn't it be easier for people to do that if they can't pay it back in one month.


I believe all loans of this type should be payable over a 3 month period with NO rollover charge being more than 25% of the remaining balance... but do they see that as a good deal - NOPE

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I have managed to get hold of their bank details from another member.


What i might do is email them again and point out that i am dissapointed that they have not responded to my email and offer of a repayment schedule and that as they have not responded i will now proceed with the schedule.

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PTP haave replied to my email and my offer to repay by installments ........


Dear drob


Thank you for your e-mail. Your offer of paying in installments is not

acceptable, therefore I enclose all of the information you will need. Basically

there are 3 options:


1. Pay the loan in full within this time and stay in good stead with PTP

and not incur any further fee’s.


2. Pay what you can knowing that your file may be sent on to a 3rd party

debt collections agency which may add on there own charges and they might list customers with Credit Rating Companies


3. Seek debt management and we can look at a longer term payment plan.

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Hi Drob


I would go for option 4 (they must have forgotten) - Let them pass it to Clarity and deal with them. they are quite happy with my monthly tenner.

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This is my 1st post on this forum but just thought I would give you an insught into my recent Payday loan situation.


I had a Payday loan with Poundstilpayday which I kept rolling over and making the monthly interest payments. I did this for 6 months and realised I could not carry on with it due to unforeseen circumstances so defaulted.


I got the usual phone calls etc from Poundstilpayday, although they weren't as bad and often as I expected. I think this may be that I told the 'account manager' there is more chance of it snowing in the Sahara than getting the full payment off me.


I had all intentions of paying this loan back and 1 month later it was passed to Clarity.


Clarity were quite good to deal with, I offered them £20 per month which they actually refused, but we then negotiated and I am now making a payment of £40 per month to them.


The one thing I would say to all worried Payday customers is that if you default please don't worry, Clarity can be dealt with easily and as long as you keep up repayments with them you will be fine. Be firm witht the Payday loan 'account managers' and even though it may be hard try not to show any weakness on the phone with them. I actually insisited they pass my debt onto a collections agency (Clarity) as I knew it would make things much easier.

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Same here.


SInce the beginning of May the "Account Manager" has been threatening to pass the account to a DCA, I have repeatedly requested that they do this only to be told that PTP will keep the account for 30 days (why? I could have paid off a quarter of it in this time...)


A "final attempt to contact" was made on Friday which included a call to work, questioning colleagues as to whether I was still there and what my future prospects were (?!)


A voicemail left on a work mobile number that I don't have any more, accusing me of telling "fibs" which I believe is a breach of the Data Protection Act.


A snotty, badly spelled and punctuated email threatening "Door to Door" collection as I had made no attempt at repayment. Funnily enough they claim to use a firm based in my home county. What a splendid coincidence!


I replied pointing out that:


a) I believed the telephone calls constituted harrassment as I had asked for emails or letters only. I can't make or take personal calls at work anyway.


b) Voicemails on a mobile number that I have told them is no longer mine? Naughty.


c) Door to door collections? Without a court order?


d) I have offered to pay substantial installments on at least 3 separate occasions.


Hopefully Clarity will hurry up and get in touch as I want to start paying this back!

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Yep I was hassled by some guy called Alan from Pound Till payday literally about 20 times a day when I couldnt pay, they wouldnt accept my offer of monthly payments either. The last time I spoke to them I told them if he continues to call me so much I will get him done for harrasment as he he breaking trading standards guidelines...he never called back lol

Just stay strong and stick to your guns, they will pass it to Clarity who in my experience are the best of a bad bunch of dca and will accept your monthly repayments. I am currently paying back £30, this month will be my last month :-) Also when you have finished paying them make sure you request written confirmation that the debt is clear and ask them to remove any negative mark on your credit file xx

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Really? That's a suprise because they bombarded me...not sure why they would be so quiet maybe trading standards have had a word?! Honestly though they always pass their debts to Clarity in my experience and they will accept your payment plan, you have to stay strong tho because forst of all Clarity wanted me to pay £70 odd quid a month but I got them down to £30 ;)

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PTP also went very quiet with me albeit I answered their call and told them I couldn't pay. Clarity were soon in touch- when you hear from them tell them cccs have told you to offer £10/£20 per month - worked for me.

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I recently cancelled my direct debit which was for around the £800 as i had been gettin a reloan every month for about a year as i just could not stop and take the £800 hit.... I was recently made reduntant i panicked and cancelled my direct debit, I have since had numerous phone calls from someone called Owen, I have paid £100 towards the debt but he is ringing everyday demandin the rest....

so glad I read your posts as i was ill with worry over this and all your adivce has eased my worries..


thanks all.

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I've had similar dealings with PTP. Defaulted and was called on numerous occasions by their collections people. American accent who would not take no for an answer. Told them I would only communicate through email and he basically said I had lied about being able to pay the loan back and why did I lie - I only said I was having financial difficulites and could I set up a repayment plan !!

They eventually pased the debt to Clarity who I have had no problems with what so ever. PTP wanted the full payment, clarity have accepted £2 per month.

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Well with me it took about 2 months...then I recieved a letter and then I called them and they set the payment plan up there and then. Just don't answer p2p calls...because they will constantly ring you!

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It also took 6 weeks for PTP to pass on my debt to Clarity.


This was from my actual default date.


PTP contacted me for the 1st two weeks after I defaulted until I told them straight that I could not make full payment.


After this it all went quite until a letter from Clarity landed on my doorstep.


I will say it again that Clarity are good to deal with and you should have no problem negotiating an affordable monthly payment.

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I have had an email from what looks like a department of PTP themselves offering me a 20% reduction if I settle within 30 days.


Is this normal?


I could possibly do this but I wanted to know if I am likely to get a chance to negotiate a better deal with Clarity.

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I was offered the same and it basically amounted to their ridiculous £59 default charge.


Clarity offered me 20 or 25% off for settlement (can't remember which).


Giving it Clarity just buys you some time and the option of monthly payments.


Whatever suits you best really.

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