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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.
      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.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Speedy response from RBS


Guest BlueRuby
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Guest BlueRuby

After reading your post I went through my statements yet again!!! I can't find any amount credited that I can't account for ie as a cheque or bacs payment etc. Also I can't help feeling that an amount like £680 would not have slipped my mind! Thanks anyway Rogerebaker!

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Guest BlueRuby

Got a letter this morning from Simon Lamb replying to mine of 20th April (LBA) asking for a breakdown of refunds and charges. He says

 

"I have ordered statements for the period of Dec 1999 to Nov 2003 (that was my original request). I will arrange for refund entries to be highlighted and forwarded to you. I hope to receive these in the next few days. I appreciate your patience whilst I arrange this for you."

 

Technically their 2nd 14-day period is up tomorrow but I think I'll write thanking them for the above help and giving them another 7 days before action. Although I've been through the statements at least 153 times, I'm terrified that these highlighted entries will turn out to be something I've missed! Better to be safe than sorry - imagine if it got to court.....

 

Anybody got any thoughts about this?

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Guest BlueRuby

Surprise, surprise, the promised statements have never turned up! It doesn't matter because I have kept all my statements and other documents relating to the account and I can prove that they have made a mistake about the refunds. They have also included the Royalties fee in their estimate of the charges applied to the account and of course I was not going to ask for that back anyway. So that's 2 mistakes. Their 3rd mistake of course is thinking I'm going to go meekly away! They've now wangled 32 days since the LBA was delivered so it's time to go to court. Will keep you posted of course.

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Guest BlueRuby

Received Notice of Acknowledgment of Service from the Court this morning, filed at 10.08 on 9th June. Gives Cobbetts LLP in Manchester as the defendant's solicitor. Also says they intend to defend the claim :rolleyes: - we'll see.

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Guest BlueRuby

I can't believe I've been so stupid! I was counting 28 days from their acknowledgment of the claim instead of from service of the claim :o So I was thinking they had till 7th July to file a defence instead of which they should have done it by 28th June!!! :oops: I know we're told to stick to our timetable, not theirs but somehow I don't think that's what Bankfodder had in mind! Well, as soon as I realised my mistake I requested judgment and it has been accepted so hopefully I should get my money soon.

You can't call me any names I haven't already called myself :rolleyes: :rolleyes:

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Lol oh well at least they didn't put in a defence in in the extra few days!

 

Hopefully you'll get a cheque soon!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Guest BlueRuby
Lol oh well at least they didn't put in a defence in in the extra few days!quote]

 

Hah! You're so right. I'd have been spitting tacks :D :D

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BlueRuby,

fingers crossed for the next few days! Keep us posted!

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Guest BlueRuby

I've heard nothing from RBS or their solicitors since judgment was entered. Reading around the forum it seems that people think it best to wait 7 days before applying for a warrant but I'm getting a bit fed up now and I want to do it now (5 days). Has anybody got any thoughts about this?

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Hi

I'm more or less at this stage, my judgement against RBs would have arrived yesterday. It's all just a wait and see game, one I can't really afford to play but don't have much choice. I would have said 5 days for a bank to act was more than enough, they don't give us 5 days before they take £35 off you.

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Guest BlueRuby

The warrant was issued 12/07 ;) I'm now biting my fingernails to see what the bank are going to throw at me next!

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Guest BlueRuby

OK, I'm getting a bit worried now. I've heard absolutely nothing from the bank or Cobbetts and it's now 6 days since the warrant was issued. In fact the last I heard was a standard fob-off letter from Tommy McLean on 11th May :o

Supposing they continue to ignore me, what happens next? Should I phone the court and see if they know anything? I'll bet if the situation was reversed and I owed the bank money, the bailiffs would have been round by now :mad:

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You are quite right - the bailiffs would have been round.

 

Do the same. Send them in; you can do it through the mcol site. I think the fee is 50 quid, which of course becomes payable by the bank.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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...also, don't forget to take the day off work and go round there with a camcorder and put it up on this site for us all to have a laugh at.

 

I can just imagine them now, taking the desks out through the front door!

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Guest BlueRuby
...also, don't forget to take the day off work and go round there with a camcorder and put it up on this site for us all to have a laugh at.

 

I can just imagine them now, taking the desks out through the front door!

 

Oh so can I Dave :D But I've already issued a warrant - is this something else I can do?

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Guest BlueRuby

Nothing in the post this morning so I've just phoned the court. They said there was nothing showing on the system ;) and the only thing I can do is phone the bailiffs. However, their phone line is only accessible between 7.30 and 9 in the morning :rolleyes: After that they go out on their rounds - evidently not as far as the Royal Bank of Scotland. Anyway, you can bet I'll be on the phone first thing tomorrow. :-x

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this must be so frustrating, have you tried phoning Stuart Higleys office and pointing out the situation? All I can think is that the claims been overlooked, explain the bailiffs are due to go in this week and see if he wants to settle?

 

Stacy

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Guest BlueRuby

Is Stuart Higley from Cobbetts? I've had no communication from them at all so not familiar with the name! :confused:

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Guest BlueRuby
this must be so frustrating, have you tried phoning Stuart Higleys office and pointing out the situation? All I can think is that the claims been overlooked, explain the bailiffs are due to go in this week and see if he wants to settle?

 

Stacy

 

Just wanted to add that that is what I am thinking too. I'm not even asking for a huge amount and I've not even had a derisory offer :D

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Id phone Tommy Mcclean at RBS if thats the last corr you had, his direct dial is 0131 523 5116. Go on!!!!!!!!!!!!!!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Guest BlueRuby

Well, I phoned Tommy - he's on annual leave (lucky fellow). Spoke to someone called Rob didn't catch his last name but in any case he couldn't help as I had gone down the legal route, as he put it, it was nothing to do with them any more! So I phoned Cobbetts - deep joy. Apparently I need a reference which I haven't got. There's nothing on the copy of the Acknowledgment of Service. I was passed to one person who turned out not to be the right one and then the switchboard operator said that there were 800 people working there :eek: and without a reference I'd be going round in circles - no kidding! So I phoned the Customer Help Desk at MCOL and spoke to a very nice lady who was unfortunately unable to help me either :rolleyes: She does not have a reference for Cobbetts either. So, it's the bailiffs for me tomorrow morning 7.30 sharp ;)

 

Anyway, thanks for the advice Stacy - I tried!

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I'd love to get the chance to send in the bailiffs in fact i hope they with hold payment so i can go and watch( along with EVERY bit of press coverage I could get ) with a video camera

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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