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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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    • 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.
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PCN Number? - Private Parking Company


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Thanks all. I get the drift now. It's funny how we assume they hold the same power as the council do just because of their similar actions and approach. And what about the debt collectors (lol, what debt!?) letters, just ignore and burn as usual? Okay, why don't they ask the police for some assitance then? :o

 

I hear the deafing sound of the Ruble dropping! :)

 

Police are only interested in Law breakers.

Begging for money is not against the Law on private property.

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The idea of the notice board is that you read the terms and conditions and consent to them by parking. Thus, you have entered into a contract.

 

There are valid clauses in a contract, and there are invalid ones. For example, if it had a clause which said, "failure to display a ticket authorises us to shoot you" that would be invalid. Regardless of the contract, it would be against the law and the law takes precendence.

 

In this situation, it is against the law for any private person or company to issue penalty charges - which is just another word for fines. They have no right to do that, so that clause in the contract is invalid.

 

If you have genuinely breached contract, then their redress is to sue you for their financial losses resulting from the breach of contract - which, especially in a free car park, is nothing. They can sue you for nothing.

 

Hope that makes it clearer why you don't owe them, you never owed them, and they can't make you pay.

 

Thanks a bunch, that makes sense. I'm a total law-noob, sadly.

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I hear the deafing sound of the Ruble dropping! :)

 

Police are only interested in Law breakers.

Begging for money is not against the Law on private property.

 

You mean the Police charge for their 'services'? I was meaning, since RKs only need to reveal who the driver was to the authorities, why don't PPCs ask police for their help then.

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It's got nothing to do with the police. It's none of the police's business who was driving, and the fact that some company would like to know for their own benefit is also none of their business. You haven't broken the law - no-one has.

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You mean the Police charge for their 'services'? I was meaning, since RKs only need to reveal who the driver was to the authorities, why don't PPCs ask police for their help then.

?

The Police do not and will not provide personal information to others. They have no reason to even get the RK info as there has been no law breaking. It is all a 'Civil' matter between the parties involved - the PPC and the unknown Driver.

 

The begging I mentioned was what the PPC are doing.

I could suggest a number of far more worthy organisations to give your money to, if you really want to needlessly give some money away.

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In a recent (very rare) court case involving another PPC, the rep from that company tried to invoke various traffic laws in an effort to force the defendant to reveal the identity of the driver. That rep was given very short shrift by the judge, telling him those laws had nothing to do with a civil case.

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You can safely park there again. If you keep breaking the terms, they might do something more drastic - check if there are clamping signs up for instance. Or, they will hound you with letters and phone calls. Or they might try and take it to court just to try and deter you.

 

Don't worry - this was a single mistake - they won't even remember your car or reg number. Carry on parking there as usual.

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You can safely park there again. If you keep breaking the terms, they might do something more drastic - check if there are clamping signs up for instance. Or, they will hound you with letters and phone calls. Or they might try and take it to court just to try and deter you.

 

Don't worry - this was a single mistake - they won't even remember your car or reg number. Carry on parking there as usual.

 

Thanks for that. It's one of those signs that its only for the nearby store. What I got 'done for' was for leaving the car there and going to other shops down the road. So yeah, I basically skipped paying and displaying on the main road and used their car park. I do enter the store (mainly to show interest) then walk out - down the road. There is a 90 minute window but that was not the reason why the got me. It was simply for leaving the car there. :( So basically, from now on, I will have to do it the normal way and pay and display on a main road, with their ridiculously overpriced tickets (£1 for 20 mins!). Ah well. PS - didn't see any clamp signs, but then again, I didn't really read the main sign either. I'll have a look again.

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Also, can someone link me to a thread where someone successfully escaped PPC and their threats?

 

There are hundreds of threads on here and other websites where people have "escaped" the so-called "threats". Usually they just ignore the silly letters and the PPCs eventually give up. It's as simple as that.

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Also, can someone link me to a thread where someone successfully escaped PPC and their threats?

 

They never send a letter saying "OK. We give up - you are right. We won't chase you any more"

 

What PPCs do is make the wording on the series of Threat-0-grams get steadily bigger and redder, then they get some paper out of another box saying 'Debt Collector' and/or 'Graham White Solicitors' - all for increasing amounts, then some PPCs offer a huge discount just to try to get some of your money. Then it all just goes quiet.

 

Much like the old 'Jumping Jack' fireworks - you never know when it has finished so you just keep clear and ignore it.

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They never send a letter saying "OK. We give up - you are right. We won't chase you any more"

 

What PPCs do is make the wording on the series of Threat-0-grams get steadily bigger and redder, then they get some paper out of another box saying 'Debt Collector' and/or 'Graham White Solicitors' - all for increasing amounts, then some PPCs offer a huge discount just to try to get some of your money. Then it all just goes quiet.

 

Much like the old 'Jumping Jack' fireworks - you never know when it has finished so you just keep clear and ignore it.

 

Haha, that's reassuring. Now I'm mildly curious on how their offices work. Like, isn't it quite embarrassing for the people behind the computer screens to just say 'Oh, we sent this person six letters already, but to no avail. We shall now give up" ? I would've gotten it if it were all automated, but the fact some human involvement is required to even see what's next on their Threat-0-grams is quite sad. Buncha bullies!

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Except that if you read through the threads you regularly get comments from people saying they had the same, they ignored it, and nothing happened. So there is feedback in this respect if someone wanted to plough through all the threads and find them.

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Haha, that's reassuring. Now I'm mildly curious on how their offices work. Like, isn't it quite embarrassing for the people behind the computer screens to just say 'Oh, we sent this person six letters already, but to no avail. We shall now give up" ? I would've gotten it if it were all automated, but the fact some human involvement is required to even see what's next on their Threat-0-grams is quite sad. Buncha bullies!

 

It is automated. They have a series of letters - there are even websites where you can go and look at them. Their computer system generates letter 1, then letter 2 etc until the last one is sent out, and the computer stops generating any more letters.

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Haha, that's reassuring. Now I'm mildly curious on how their offices work. Like, isn't it quite embarrassing for the people behind the computer screens to just say 'Oh, we sent this person six letters already, but to no avail. We shall now give up" ? I would've gotten it if it were all automated, but the fact some human involvement is required to even see what's next on their Threat-0-grams is quite sad. Buncha bullies!

 

 

Unfortunately enough people(Between 30 and 50 percent) believe the rubbish letters sent out by PPCs and pay up. So it's worth their while to keep sending them out hoping that they while cave in and pay up, especially if they start mentioning such things as bailiffs, CCJs and debt collectors. All nonsense of course, but enough people get scared into paying up.

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To understand the business plan better -

 

Land owner get p1ssed off with abuse of their parking facilities at peak times.

PPC offers to patrol it - possibly providing barriers, markings, possibly even resurfacing, etc - all for free.

Land owner is seduced and has nothing to lose so signs agreement contract. (Look at PPC Websites from the point of view of being a land owner)

 

PPC gets all the money they can scare out of motorists using it at any time, by issuing what look like official fines then threatens them with everything short of public execution.

This offsets their set-up and operating costs and provides a good income.

 

It survives because an estimated 50% of these 'fines' are paid quickly by people who dont know better. A further number weaken and pay under the string of threats - and even pay the increased amounts for fear they will go even higher. All without any legal basis!

 

I wish I could make money like that AND sleep soundly at nights.

Edited by Tony P
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When you think about it the only way these companies can make a profit is from the "parking charge notices" they issue. For a start they don't usually charge a fee to the landowner for looking after the car-park, and they won't make enough money from P&D tickets ( even if they have them) . So it's in their interest to frighten people into paying up by sending out the scary-looking letters.

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To understand the business plan better -

 

Land owner get p1ssed off with abuse of their parking facilities at peak times.

PPC offers to patrol it - possibly providing barriers, markings, possibly even resurfacing, etc - all for free.

Land owner is seduced and has nothing to lose so signs agreement contract. (Look at PPC Websites from the point of view of being a land owner)

 

PPC gets all the money they can scare out of motorists using it at any time, by issuing what look like official fines then threatens them with everything short of public execution.

This offsets their set-up and operating costs and provides a good income.

 

It survives because an estimated 50% of these 'fines' are paid quickly by people who dont know better. A further number weaken and pay under the string of threats - and even pay the increased amounts for fear they will go even higher. All without any legal basis!

 

I wish I could make money like that AND sleep soundly at nights.

 

When you think about it the only way these companies can make a profit is from the "parking charge notices" they issue. For a start they don't usually charge a fee to the landowner for looking after the car-park, and they won't make enough money from P&D tickets ( even if they have them) . So it's in their interest to frighten people into paying up by sending out the scary-looking letters.

 

 

So the store don't even have to pay at all, usually?

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So the store don't even have to pay at all, usually?

 

Not usually. Sometimes on small car-parks (where the landowner actually "self tickets") the PPC even pays a £10 "finders fee" for each ticket issued.

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Not usually. Sometimes on small car-parks (where the landowner actually "self tickets") the PPC even pays a £10 "finders fee" for each ticket issued.

 

Oh, wow. I feel kinda guilty for these poor guys now. :(

 

Anyways, thanks for all the help you all. I'll get back to yas if I have any more concerns. I'll keep yous updated too.

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