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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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husband and i are in a state with 3 payday companies. all started with son needing money for going on a school trip. now 8 months later we just cant keep up with interest.


we are on a tight budget so was always taking a new loan out everytime we paid it off. you know the story.


anyway we have reached the end and cant carry on. i have been reading on here for days and do feel a bit better that we are not only people who have got into this mess.


we are due to pay them all 16th december. we have a loan each with wonga, a loan each with payday uk and my husband has a loan with quickquid.


we have seperate bank accounts with lloyds and my husband has just cancelled his card and requested a new one and when that comes i will phone up and cancel mine.


i am monitoring everyday the online banking to make sure no direct debits appear. i am going to change phone numbers on the loan companies websites. apart from that what do i need to do.


i am terrified.


i know we have no choice as we cant carry on like this and will not get out of it any other way. obviously its all going to kick off just before xmas. we have four kids and my parents will be here and i really dont want my parents to know the mess we are in.


how quickly am i likely to start getting harrassed? am i doing the right thing?


i am worried about them getting into our bank somehow and taking our money and then how would we pay our bills feed our kids etc.


we have other outstanding debts that are being dealt with by payplan. would they be able to help us with these loans. payplan themselves dont even seem to know.



i can handle phonecalls and letters and even ccjs


what terrifies me is baliffs or people coming to our house. or people phoning my husbands place of work.


i worry about falling for a trick by them to get more money out of us than we can afford.


i just want to pay them off at a reasonable rate and get rid of them


i cant eat or sleep at the moment and me and my husband are arguing. i feel so sorry for my children as we got ourselves into this silly mess


sorry this is so long i just have nobody to talk to and my husband is trying to bury his head in the sand and i feel out of my depth and need help before i go insane

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I know exactly how you feel as I started out with one loan as something came up unexpected and and had to reloan straight away and then take out more loans as the interest was killing me.


I took a stand and changed my card, cancelled direct debits etc. Pounds till payday were a pain, but as soon as it got passed to Clarity they have been more understanding and I have a payment plan with them. Quikquid have passed theirs to McKenzie Hall they are a lot harder to deal with as they want all the money in one go - the amount of times that I have explained that if I was able to pay the debt in one then I would have done so to QuickQuid. They email, phone a few times and send the odd text but are not that bad at the moment; I'm hoping that eventually they will get the message that I can not pay in one go and will accept a plan.


Wonga are a nightmare though - they would not accept a plan and have now passed the debt to Marston's who are trying it on - see this thread http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/234293-marston-payday-loan.html#post2595376


I'm sure there are many on here that can give up firm advice, but if you need to chat then pm me.

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Ahhh bless you, it is so horrible to not be able to sleep and the arguments these things cause.


They will probably contact you first the day after the payments are due, possibly the day they are due. Unfortunately they may well contact your husbands work.


Just make sure you state that you will only correspond via email or letter. After you have defaulted on your payment date you can send an email to their customer relations department and state that to them immediately. This may stop any calls, but wouldnt trust these people with a bargepole if I am honest.


Keep checking your bank account and make sure nothing is set up. Try not to worry too much and keep your chin up thinking that this whole thing can be dealt with. I am sure payplan will be able to deal with them especially if they get sent to DMC.

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thanks for the advice guys. still feel sick to the pit of my stomach about this. im so annoyed we got into this situation.


christmas is coming and although we dont have much money i want to make it as nice as possible for my kids and am just really nervous about people turning up at door even more so as my mother will be here. does anyone know if these companies are likely to start banging on my door?


if payday uk, quick quid and wonga pass to a debt collection agency then payplan will deal with them for us. im just worried about the bit in the middle.


i can handle phone calls and letters i just dont want anyone banging on my door.


im also still worried about the card thing. my husband has reported his stolen and as soon as his new card comes i will do the same with mine. i check the online bank everyday anyway and will continue to make sure no direct debits are set up.


when my husband gets paid on 16th december they are all due to be paid hopefully they wont get any of the money. we need to buy some xmas presents for our kids that day and some food to get us through xmas and i am just terrified they will take all our money and we will have nothing.


sorry if i am just repeating myself i am just so desperate about this and need to hear other peoples experiences

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Hi tillytiger,


You have done the hardest bit and decided that rolling over is not helping one bit. Cancel your card and direct debit then wait for them to contact you.


Once the phone calls start you can send then an email requesting that they stop phoning.


Work out what you can comfortably afford to pay them and make them this offer. Don't be bullied into increasing the offer stick to your guns and they will accept in the end. Good Luck

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TILLY TIGER we are in the same boat, so i know exactly how you feel, my payment to wonga is due today, i have already cancelled my debit card, said it was lost. I stayed up untill my wages showed up as in my account which was 2 o clock this morning, and did a quick transfer to my savings account. I havent slept all night, have a sick feeling. im so scared!!

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TILLY TIGER we are in the same boat, so i know exactly how you feel, my payment to wonga is due today, i have already cancelled my debit card, said it was lost. I stayed up untill my wages showed up as in my account which was 2 o clock this morning, and did a quick transfer to my savings account. I havent slept all night, have a sick feeling. im so scared!!


see thats the bit that is worrying me the most. i dont know how i am supposed to go shopping and pay my bills if i have to clear my account. lloyds have assured me the card is blocked.


i am mostly worried about people banging on my door but nobody seems to have had this happen

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see thats the bit that is worrying me the most. i dont know how i am supposed to go shopping and pay my bills if i have to clear my account. lloyds have assured me the card is blocked.


i am mostly worried about people banging on my door but nobody seems to have had this happen

I know thats my problem, ive still havent received my new debit card, ive transferred all my wages into my savings account which i have no card for., i need to get some money out for shopping, but don't know how to do it as my bank is an online account, there is no local branch to be able to withdraw my money over the counter!!!!:Cry:

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TILLY TIGER we are in the same boat, so i know exactly how you feel, my payment to wonga is due today, i have already cancelled my debit card, said it was lost. I stayed up untill my wages showed up as in my account which was 2 o clock this morning, and did a quick transfer to my savings account. I havent slept all night, have a sick feeling. im so scared!!



I did exactly the same. Phone calls are starting now! Dunno what to do now

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socks and pants how did sorting yours out go?


lloyds have told us the card is totally blocked


same as you - cancelled direct debits and stopped my card (not in time for Wonga to dip in and take differing amounts)


The phone calls started straight away but, they didn't last too long as apart from Wonga passed them onto debt collectors. Of the debt collectors, Clarity (pounds to payday) were very helpful in setting up a plan. McKensie Hall (quick quid) are a pain as they are demanding full payment even though I have explained many times that if I could make full payment then I would have done. I'm sure at some point that they will realise that this is the only way I can pay

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its such a nightmare isnt it. our new cards will be with us by the time our paydate comes but one of us will have to be on computer at home while other queues at tills and then text to transfer quick.


i wish i had done it months ago. doing it 9days before xmas is adding to my worry over it. how much do you owe altogether

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Your Street





Company Name



City / County



Re: Harassment by telephone





Dear Sirs


I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.


I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)


I now require all further correspondence from your company to be made in writing only.


I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.


If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.


Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)



Yours faithfully,







take it from some one who has had there fill of payday loans in the past.

to get out of this cycle you need to send the above template and a letter stating that due to my financial situation i am no longer able to keep up my repayments


i have xyz number of other creditors who i am writing to


for the time being i will be sending you a postel order in the sum of xyz each month as its all i can manage.


your online or banking details would be better for me to save on postel order costs


please accept my appologies as i wish to make token payments for the time being.


please suspend oll collection and interest so i can clear my account with you


some thing along those lines will do


they will huff and puff but either send to there own in house dca or accept your offer


the point being is you got in there first


send recorded delievery allways

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2nd Floor,

145-157 St. John Street




wonga are hard to nail down


seems they dont want you to know there postel address


some one will be along soon on that

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Tilly, you've been getting some great advice here so far, but I need to add that you really should consider opening a new bank account for both you and your husband, then transferring all of your income payments into it.


The whole point of stopping the ball rolling on these loans is to reduce stress and put you back in control, and sitting up to all hours trying to spot sneaky direct debits being set up isn't going to do that - in fact, you'll end up a nervous wreck. Trying to beat an automated payment system to the punch is going to be terribly hard - I've had these companies try to take small amounts out of my account every hour before now.


You are far better off starting a new bank account with a clean slate, knowing that you don't have to worry that they've cleaned you out. I know it's inconvienient, but not nearly as inconvienient as finding that your wages have gone.


Please do consider finding out if your local credit union offer a current account - that's what I did and they've been brilliant so far. You get a full Visa debit card with them too.


Please try to stop worrying - I know how horrible everything feels at the moment, but you're doing the right thing.


I can't make any guarantees that they won't knock your door, but I can tell you that they never did so with me. I think it's very unlikely that this will happen over Christmas, to be honest.


Try to relax now. You've started to take back control, and you have every right to do so.


Chin up, you'll be fine. :)

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I wouldn't say DEFINITELY not safe - I would say I've had bad experiences with it, personally.


All I can tell you is one company cleared my account after I gave them my details when I set up a payment plan for £20.00 per month (hence all the advice about "standing orders only"), and another wiped me out via a direct debit that I missed. They certainly have automated systems that run right through the night and are able to set up payments at very short notice (I have to reach the conclusion that whatever anyone tells you about needing several days to set up a DD, they're lying - this was in a 24 hour period). I also have to say that at one point, I had my account frozen by Natwest fraud team because one of these companies had tried to take small amounts multiple times from my account via debit card over a very short space of time, and this is apparently one of the triggers for pinpointing fraudulent transactions. I had to take my passport to my home branch before I could use my account again, so it was easily sorted, but was very frightening and unhelpful at the time.


If you look through the forum, you'll see that a few people have had nasty experiences with payments still being taken on cancelled cards, although I've never experienced that myself.


I feel a bit horrible for telling you all of this because I know how worried you are at the minute, but would rather you heard it from me or someone else who means well on here than woke up to an empty account one morning as I did.


Bottom line - if I had my time again, I would open a new account, pronto. You've still got time from what I've read. :)

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ok well we just rang lloyds and opened a new account with them, is that ok? we told lloyds we wanted a new account for bill paying but we will get wages everything paid into it.


we have zero credit rating and have built up a fairly good relationship with lloyds and think we would only get a card cash account with anyone else,

the payday companies wont be able to get to that account will they?


i cant sleep at all at the moment and wish i could look into a crytal ball to see if eerything i gonna be ok. im so worried about xmas.

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well know


the payday companies will have no chance but be warned


if you get any bank charges on your old account, lloyds will use the new account to offsett any debit


keep an eye on your old account incase any dd is set up


ref your old cards, even though cancelled the payday cretins can still try and withdraw funds


its call a continiouse authority


as well as the bank cancells your cards inform the bank to put a stop on the cards

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You'll be fine now Tilly. :)


Post is right, you do need to keep an eye on the other account - however, what I would do is write to Lloyds stating that no new direct debits, standing orders or payments out of this account are to be set up. Or, since you now have a nice, safe, new account...Close the old one and stop having to worry about it. :)


When it comes to not sleeping and the worry, what's the worst thing that these people can do to you Tilly?


They can call you, but you can change your number.


They can write to you, but that's what you want them to do.


As I, and others have said, it's highly unlikely that you'll get any knocks on the door. If you have a look round the site, there's actually a letter here to stop them doing that too....anyone know the one I mean? Something about "implied right of way"...that they're trespassing.


Either way, Tilly - the point is that anyone they do send round has no real power - they can ask you to pay, but only if you open the door to them. They can't pepper your wages, they can't remove goods, they can't force entry...they can't do much of anything hon.


Pleeeeeeeeeeeease try to get some sleep, the less you sleep the worse everything seems in the morning - it's such a vicious circle. If you really feel that this is all too much for you, go and see your Dr. Trust me, we've all been there, feeling hopeless and like there's no way out of the mess, but I assure you there is and you are on your way to it now. :D


Keep in touch, let us know how things are going.

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Ms Weatherwax is right, make sure you get some sleep.


As you have new account your money is safe. The reality of these people chasing you is not really so bad. To be honest you can negotiate by e-mail with most of them.


Personally I would avoid agreeing to any payments until the end of january.


XMAS and the family come first, these vultures can and WILL wait.


Good Luck

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thank you so much guys. are you sure they cant get at the new account seeing as it is with the same bank?


has anyone ever herd of thee companies allowing a debt managment company to deal with the payments to them

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