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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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Aktiv Kapital pay off staff


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No I dont work for a DCA anymore nor will I work for one again as truth be told I couldn't stomach speaking to people like yourself for 8 hours a day, as for the spelling error....stercus accidit, but you surely have more pressing things to concern yourself with, like paying your debts?

Edited by cerberusalert
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I don't have any debts, thank you. Obversely why do you think People like us want to speak to you badly trained and irrelevant imbeciles. Rude, aggressive, illiterate; obviously unemployable elsewhere. I think these organisations would be better served employing apes. At least they can be trained to use toilets

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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No you dont give 2 sh**s, thats why your on here ranting about us you moron

  • Haha 1

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Pay You Debts

 

From what I have read, contributors to this site do not encourage people to escape repaying debts. They are simply providing information and assistance, so people are aware of their legal rights.

 

If the financial organisations and DCA's operated efficiently and in full compliance with the relevant laws, including relevant industry requirements, there would not be a need for a forum such as this.

 

The industry that you work in or have worked in, is in a mess of its own making. This is why they resort to underhand ways of operating.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Pay you debts -Who's the fool me or someone with more time on their hands because the only job they had was a pointless existence on the end of a phone, trying to bully people who would pay their debts if they were treated correctly, not shouted at or bullied by companies who think they are owed money for doing sod all.

 

get a life or get out a here

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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PGH7447 - be quiet fool, I'm sitting here for sh*ts and giggles laughing at your daft reactions, I couldn't care less

 

yeah that's why mongs like your sad self sign up here to get a good arse kicking before running off into the night like a dog with their tail between their legs-we've seen 'em come,and we'll see 'em go again

 

now-once you clean the specks of mouth foam from your screen,read and digest

 

your days of bullying and lying to people draw ever closer to their inevitable end,thanks to sites like this one-you'll soon be brandishing your fresh new P45 and joining the ranks of the real world once again

 

don't go looking for alternative employment suitable to your qualifications,because traffic wardens,burger flippers and sewer cleaners positions are all full up

 

what you going to do when they cut even more costs by replacing the likes of you with a team of special needs primates?

 

DCA's

 

a cast-iron case case for euthanasia!

Edited by lickthewallfatboy

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I have two unsecured creditors, both CC's. I missed some payments owing to a small business problem. If I had been approached in a polite and professional manner by these organisations requesting a resolution I would have done everything I could to comply.

 

Instead I had a bunch of cretins calling me all hours making ridiculous threats! as a result of these threats they will now not see a penny unless it is on my terms! I have not spoken to any of these morons in months nor will I ever again! This sums up my response to the debt collection industry and I'm sure I am not alone.

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It warms my heart to read how desperate the DCA monkeys are these days.

They know their industry is finished & crumbling down around them.

Yet they come onto this forum and have ago at what they see is the reason for that.

Its like they think they are "wreaking revenge" or something - except it only makes Caggers laugh at them even more...

Just sit back Caggers, happy in the knowledge that the battle is being won! lol

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I think we should all spare a thought for Aktiv & Pay you debts....must be really hard for them at the moment....while us evil debtors are out spending loads of money and having wild nights out! haha

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Gone quiet hasn't it, it must be looking for some big words to try and use :D

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Here's some big words for it:

 

Cabot - lost

Aktiv Kapital - lost

Aktiv Kapital staff -lost

Ruthbridge - waiting for licence confirmation since last June

1st Credit - licence restrictions

More losses in pipeline

 

No wonder it and its ex-colleagues feel sick.:grin:

Edited by Pinky69
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'Pay you debts' - Even the username isn't correct grammar, which just about sums it up.

 

Why do I have the feeling that this imbecile has been trawling the Whocallsme boards as well, and principally the Cabot boards?

 

08450700381 Phone Number Details 3/3

01244500607 - who calls me from 01244500607? 1/5

 

What's the matter there? Job under threat? Frustrated because you can't make the grade? Annoyed because there's more customers who know that you're utterly powerless? Beginning to question the point of your own existence because of the fact that others are now aware of your complete and utter lack of authority and power - in the same way that impotence sometimes affects people? Like men who feel like eunuchs and beginning to hate themselves because they can't stand to attention anymore?

 

Don't try to come here with your bad spelling and frustration and try to instigate arguments, because you'll be eaten up. You don't have the wit or the knowledge to compete.

 

And if you are the same guy who was on the Cabot WCM boards, then you're a fool for even thinking of coming here, judging by the reception you got when you posted 10 sad, pointless rants on that thread.

 

Your rant sounds very much like pro-Murdoch/BNP propaganda to me - but susceptible minds are simple minds, right?

 

But, if you're a current AK member, then that current shaving of staff is only the beginning. We'll see your company in the gutter yet, just as it has in other countries.

 

And if your job's on the line - HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA

HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA!

Edited by F_DCAs
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If DCA's acted with more dignity and followed the law correctly there wouldn't be the need for forums like this. Its the DCA's who act unlawfully and use illegal practices not the consumers.

How is chasing a no-existent, SB or partial settled debt the correct way to behave?

We don't write the law but we are slowly learning the law.

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CAG CAPTION COMPETITION

 

 

internet_troll.jpg

 

 

After 6 long years in the call centre, Kevin finally finds a Credit

Agreement that is enforceable. Little does he know that because

it took him so long, it's now Statute Barred.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Yes Pay You Debt,

I normally do not rise to to such an imbecile. But YOU need a very severe lesson in the Law. Many many disputes are legitimate because of unlawful behaviour of the original creditor and cretins like you compound that issue.

 

The Statute LAW is crystal clear to anyone who can read at primary school level, you obviously cannot. If the alleged creditor has not kept or did not keep the documentation in order then the alleged debt cannot be enforced, it cannot be chased and there is TOTAL forfeit of the rights and benefits of the alleged debt.

 

It is scumbags like you who need a wake up call and be made to realise that it is the likes of you that have ripped the guts out of what was a fine nation with a history of its citizens being tolerant and law abiding. It is you and your kind that have brought all this about. Grasping greedy ruthless unethical criminals and nothing more. Please tell us when the law of the jungle works in your favour then that is OK, yet when the law of the jungle works against you and ordinary folk wise -up to your illegal antics it is not OK and we get this cacophony of stuck pigs?

 

I could say more but will get cagbotted.

 

oilyrag:mad:

Edited by oilyrag
anger makes my spelling worse
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Do not feed the troll, use this instead. ;)

 

 

ff3h2v.jpg

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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No troll spray for me. As you know, I love to play with the DCA staff who are deluded enough to pop up on here. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Well, that was quick exit from the troll. We haven't had one for a while - this one didn't try very hard, but then again, they never have the intelligence to understand. 'I'm an ex-AK worker'? Sure...

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Well, that was quick exit from the troll. We haven't had one for a while - this one didn't try very hard, but then again, they never have the intelligence to understand. 'I'm an ex-AK worker'? Sure...

 

They will all be ex-AK workers before too long. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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