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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 was thinking maybe I should call them today..... but then again, they haven't sent me an email, and only 1 call this morning....

 

Have you learnt nothing from this forum?????? :p Never, ever, never speak to these companies!

 

Email them, use the customer relations department email on my previous post :) tell them you only wish to correspond in writing etc and to remove ALL contact numbers. Use my draft template.

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Dont call them, that will just give them the impression you actually want to speak to them. Best way is via email, then you have everything logged for evidence.

 

My repayment date was 15 October 2009 and still not heard from DMC

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Thanks guys.... ok then, I won't call them. I have informed them that I will be unable to make payment, that I have cancelled my Direct Debit, so i'm just going to sit back and wait for them to come to me.

 

Don't worry it won't be long! :D If you really don't want them to contact you over the phone email the customer relations team. They get back to you pretty quick.

 

Still nothing at my end but i'm 10 days behind SLGUE and they haven't heard from Clarity yet so looks like a couple more weeks!

 

You'll have to keep us posted! :smile:

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I had this email from them today:

 

Pounds Till Payday would like to remind you that we still require your documents in order to proceed with your loan request. Your documents can be sent via Fax at 08000 66 45 27 or sent as an email attachment to [email protected]

 

Please contact us immediately if you have any questions regarding the required documents. You can reach us at 08000 32 76 55, or chat with an online representative by clicking the link below.

 

Pounds Till Payday :: Chat

 

Sincerely,

 

Pounds Till Payday

Phone : 08000 32 76 55

Fax : 08000 66 45 27

Email : [email protected]

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Yeah right,..... had me stumped as well..... now I have had another email:

 

Thank you for your e-mail advising us of your financial difficulties. we were trying to contact you for past couple of days.

Just to advice you that if the balance is not paid in full on 27/11/2009 as

agreed there will be a late charge of £59 applied to your balance. We can keep your file in our office for 30 days, after it will be passed on to 3rd party collections agency (clarity).

 

From Anastacia Bolton..... is she my account manager then?!?

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Yeah right,..... had me stumped as well..... now I have had another email:

 

Thank you for your e-mail advising us of your financial difficulties. we were trying to contact you for past couple of days.

Just to advice you that if the balance is not paid in full on 27/11/2009 as

agreed there will be a late charge of £59 applied to your balance. We can keep your file in our office for 30 days, after it will be passed on to 3rd party collections agency (clarity).

 

From Anastacia Bolton..... is she my account manager then?!?

 

She must be, also she must be foreign (or illiterate :lol:). 30 days, wow! Mine will be going in 2 days and they must just really love SLGUE and be keeping their file :p

 

Anastacia must be like Angela then ;)

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Thank you for your email. Unfortunatelly we do not offer payment arrangements, defferals or rollovers. We are short term loan company and our policy is to keep file for 30 day and if its not paid in full by then it will be passed on to 3rd party collections agency.

 

I would recomend you to pay off this loan in full and then take advantage of reloaning option which will be available to you.

 

EMAIL FROM PTP..... MY REPLY:

 

 

RELOAN? So, you are telling someone who has told you that they are having financial difficulties to consider reloaning? This is hardly what I would call "responsible lending" and I doubt very much any organisation would "recomend" (SIC) such irresponsible behaviour.

I am aware that you do not offer deferrals or rollovers, and I am not looking to defer or rollover. I'm simply asking to come to some sort of arrangement to sort this matter as quickly and as conveniently as possible. As per my previous email, I would like to offer a repayment of £XX per month.

 

I look forward to your reply. As stated below, please keep all correspondence in writing.

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Thank you for your email. Unfortunatelly we do not offer payment arrangements, defferals or rollovers. We are short term loan company and our policy is to keep file for 30 day and if its not paid in full by then it will be passed on to 3rd party collections agency.

 

I would recomend you to pay off this loan in full and then take advantage of reloaning option which will be available to you.

 

EMAIL FROM PTP..... MY REPLY:

 

 

RELOAN? So, you are telling someone who has told you that they are having financial difficulties to consider reloaning? This is hardly what I would call "responsible lending" and I doubt very much any organisation would "recomend" (SIC) such irresponsible behaviour.

 

I am aware that you do not offer deferrals or rollovers, and I am not looking to defer or rollover. I'm simply asking to come to some sort of arrangement to sort this matter as quickly and as conveniently as possible. As per my previous email, I would like to offer a repayment of £XX per month.

 

I look forward to your reply. As stated below, please keep all correspondence in writing.

 

Well said!:D

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Well, quick update, which is that there is absolutely nothing to update. Still havent heard anything from them. The last email was last week, have now passed my repayment date, and nothing. The last email said that my account will be passed to an account manager who will be in touch with me this week, followed by an email asking me to re-instate my Direct Debit. Still looking forward to seeing who my account manager will be :-) hehe

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Well, quick update, which is that there is absolutely nothing to update. Still havent heard anything from them. The last email was last week, have now passed my repayment date, and nothing. The last email said that my account will be passed to an account manager who will be in touch with me this week, followed by an email asking me to re-instate my Direct Debit. Still looking forward to seeing who my account manager will be :-) hehe

 

No news is goods news as the saying goes! :D

 

No i haven't heard anything neither :)

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right have just received email from Clarity about time too!!!! My question is how to respond to it, ie in terms of doing a CCA on them. Any ideas as I want to get this right. Thanks in advance :)

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Hey guys,

 

I am having the same trouble here. My bank canceled my DD by mistake (lucky sign maybe) then of course funds did not reach them on time. Sent PTP an email and of course got the response, we only deal with this by phone.

 

how predictable. I rang them this morning just to make as if....i knew what their response was going to be.

 

Talked to someone called Mark. He was quite aggressive, i mentioned straight away that there was no need for my account to be passed onto one of their in house account manager and that my account should be fowarded to Clarity straight away....I think he got a bit shocked to find out I knew about their procdedure...he said ok i will make a note...

 

Then drafted a long letter with a the legal info, do not contact me by phone etc, plus OFT and ombudsman and sent via email plus their crap website. Got a response again, please contact us... resent it 3 times with new mention "do not ignore".....haven't heard anything yet but this forum has prepared me to deal with this.

 

Am in for a fight but I have the feeling they won't bother much...hoping to get at least a couple of phone calls. I will not respond to their security questions so there we go....

 

I initially wanted to pay the sum due but they levied that £69 charge.. have put my account in dispute and awaiting for a letter from clarity...

 

And Roll on gavin and jerry Mcwhatever...I can't wait to have to deal with you!!!

 

Any update from anyone by the way??

 

Y.

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Well yesterday I had an email from PTP with a default notice on it for the sum of £59.00. Then I had another email from them yesterday with a letter attached telling me that they had added the sum of £59.00 and informing me of the various ways that I can pay this. Then today I had this email:

 

Several attempts have been made to contact you, in order to ensure you remain a

customer in good standing. Failure to respond leaves me with few options.

 

It is in your best interests to call our office immediately, to avoid escalation

of your account.

 

We wish to continue to provide you with all of the services that were previously

available to you as a valued customer.

 

Free Phone 0800 234 6964

For your convenience, there are two quick payment methods available:

1. Card payment by phone. Most cards accepted.

Phone your Account Manager at 0800 234 6964 to make an instant card payment.

 

2. Online through Faster Payments. Please call in for our Faster Payments

information.

 

Please phone in to report your payment for tracking purposes.

 

I look forward to hearing from you soon.

 

 

Please ring 0800 234 6964 today.

 

 

 

Sincerely

 

Tolani Jackson

Account Manager

0800 234 6964

 

I haven't received any calls from them at all. They dont have my work telephone number, but they do have my home tel no and my mobile no, but so far no phone calls. How should I proceed?

 

Thanks.

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Good afternoon Tolani and thank you for your email messages. First of all I do not agree with the £59.00 charge being levied on my account and I am not willing to pay this, please remove this from my account or I will have no option but to put my account into dispute with you.

 

Secondly, as per previous email correspondence I would like to arrange some kind of repayment plan to settle this account in a timely manner, but my previous communication with Anastacia Bolton confirmed that PTP will not accept my offer. I am unable to pay the balance in full and the option of reloaning is not something I shall consider.

 

I am willing to make regular payments of £XX to pay off this balance. I understand that PTP do not offer rollovers, but I am willing to pay as much as possible towards my balance. Should PTP be unwilling to accept my offer, then I suggest that my account is passed to Clarity immediately so that I can begin repayment.

 

Also, as per previous emails, I insist (and it is my legal right to do so) that all future communication be made via email or letter.

 

Thanks.

 

My email to them..... man this is fun!!

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