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    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   So, 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. Took 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 assit. 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, shouldnt 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 couldnt afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is mininum they can possbily 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 basically 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, your 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 dissatisifed i was with general customer service and felt they were incompentant, 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 basically 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 strugglling. 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 viscious 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 reccomend (not policy) that if a customer is put onto a payment holiday then they reccomend freezing interest for customer so the debt doesnt 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 appreicated.   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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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
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I have 4 payday loans which need payments making on the 28th of this month - 3 of which will be rollover payments (QQuid, Cash Genie and PDUK), the other one to lending stream (2nd or 3rd payment of a 6 month loan) however if I make these payments I will have nothing left to live on for the rest of the month!!! They did this to me last month and the husband had to get a loan to see us over this month, however he will too be cleared out when he gets paid. I am losing sleep over this and can't think about anything else. How can I get them to agree to a payment plan before they clear out my account? I have bad credit history so setting up another bank account is a no-go as I won't be accepted. Any advice would be gratefully appreciated.

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Hey Nic, dont worry was in the same situation as you and was also losing sleep, 1st thing to do is open another bank account asap, halifax & Natwest will give you a basic account without any credit checks, phone them tommorrow and ask for an application form, once you have a new bank account switch everything over, except any direct debits with any payday loans, once this has been set up , phone your old bank and cancel your card, then email every payday loan company explaining you finances have changed and inform them what you are willing to pay and over a certain period.

 

How much do you owe these companies & i will be able to advise what they accept in re-payment plans, except for cash genie:-)

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hi do u have a template email letter to send..i owe 250 to paydayuk and a 500 loan with lending stream..already defered payday uk once and paid the interest...lost job last week,,less than 2 yrs so no pay off etc..

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Hi disco daddy, I do have a template, will put it on tommorrow as have it on my email at work, dont worry Payday uk will originally respond stating that they dont do re-paypayment plans , just email them back back informing them that you have lost your job with the amount you can afford to pay,otherwise if you paid them the amount they are asking you would only have £xx.xx to live on , they should email back stating that they will accept a 3 month plan at £50,00 per month then afterwards they will review it, if you still cannot afford this just keep emailing them with your situation and what you can afford, they are ok to deal with, you just have to keep pushing.

 

Lending Stream will only give you a couple of texts (no phonecalls) advising you have defaulted, I myself have sent them a few emails with a re-payment plan with no response, think you should phone them and explain your situation,they should give you a re-payment plan because you have lost your job, if not just keep emailing them with a re-payment plan, if they dont respond, at least you have proof you have been trying, hope this helps and will forward you the template tommorrow:-)

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I can't close my bank account as I have an overdraft with them which is £1200, what do you think my chances are of getting the companies to accept a payment plan before my pay date?

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I also had an overdraft of £600.00 with halifax, I phoned them asking if I could also have a basic account as well as my current, they stated that I could but would have to fill out an application form which they could either send me or I could complete at a Halifax branch (this was an account with no credit checks), they also stated that I could apply for another current account with them as seemingly you are allowed up to three with the same bank in which i could do over the telephone(which they would have to do a credit check) thought I would try this but did not hold out much hope as i have a bad credit rating but if that failed I would just apply for a basic account, low & behold they accepted me for another account with an additional overdraft of £500.00.

 

I have just transferred everything over from my origianl current account,ie,wages,direct debit for bills ect to this account and then I was able to pay my original overdraft with the new one and close my original account, this way i have a new account number ect but with the same bank.

 

If this fails, still open up a basic account and transfer wages, dd ect, just make sure you cancel your card on your orginal account(stating it has been lost/stolen, then set up re-payment plans with the payday companies you owe and then make an appointment with the bank and explain the situation you are in and how you can sort out paying back your overdraft.

 

In regards to how quick they will accept, PDUK replied to me in 2-3 days (but you have to default first before they will reply) , Quickquid were quick too & have after some pushing have accepted a 6 month plan, but will not give you their bank details & want paid by DD or debit card which I am refusing, so am still trying for them to accept paypal payments, Lending Stream you will have to phone them after default and explain your situation,then they should come to an arrangement quite quickly, as said before I have no experience of Cash Genie but others on this forum may be able to help.

 

Hope this has helped you & dont worry too much it will work out in the end :-)

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I can't close my bank account as I have an overdraft with them which is £1200, what do you think my chances are of getting the companies to accept a payment plan before my pay date?

 

You need to take our advice...... you need that card cancelled.....

 

This is what you need to do..........

 

You need to go to your bank and advise them you left bank statments, card and even chequebook if you had one, in a public place (makke that one up urself)

 

The people there are not what you feel are the most trustworthy, especially the person that gave you your stuff back...... lie thru ur teeth, even tell them this person has been done for fraud....

 

You feel your account has been compromised....... and for piece of mind you need a new account number.

 

The bank will then give you a new account number, debit card and transfer you o/draft to the new account.....

 

do not mention pday loans to them at all. the only reason this needs cancelled is due to the account being compromised.

 

 

Do this, or you will have your account raided at will by these sharks....

That i and everyone on here will promise you...

 

Please take our advice.

I HATE Yes.

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