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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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Speedy response from RBS


Guest BlueRuby
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Guest BlueRuby

Me too :D However the nice person at MCOL told me that the bailiff writes to them first of all :rolleyes: and gives them about 7 days to reply before going round :rolleyes: :rolleyes: Extraordinary, isn't it? This has been going on since 3rd April.

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Guest BlueRuby

I've just phoned the bailiffs and I've been told they have to give the bank 10 days from issue of the warrant before making a visit. They've got the warrant as issued on 13th July so it'll be 23rd July. So if anyone lives near Southampton (I'm in Kent) and fancies an outing, don't forget the camera, in fact don't forget the camera crew :D - and I'll be adding on all these phonecalls too! So far I've phoned Edinburgh, Manchester, Northampton and Southampton twice.

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LOL still only gotta wait till monday! I've just filed for judgement by default so I may be in a similar boat 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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Blue,

 

where are you!!!??

 

What's the Gen, did the heavies go in or did you get your money back at the 11th hour? Where's the pictures, tell us, please don't leave it too long...

 

LoL:D

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

Sorry, sorry BigCol :D

As the bailiffs told me to give it 10 days from the warrant being issued, I reckoned I should call them again this morning, which I have just done. 'My' bailiff is out of the office till Thurs. :eek: and there's nothing on the screen to say she has taken any action on the matter. The chap I spoke to told me they give them 8 days :confused: before going in and he thinks she'll deal with it on Thurs. Whatever, the bank would have got a letter about the warrant being issued and 8-10 days after that the bailiffs go in. I simply can't understand why RBS are ignoring this matter - I do hope I'm not a test case. What would I do with a load of desks :lol: or could I insist on laptops?

 

I think I'm going to have to PM a mod (which one?) and see if they've got any suggestions. I will keep you posted!

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yours seems to have got lost in the system, the rest of us seem to be following a very similar pattern! whats annoying is they'll only apply for a set aside when they do finally acknowledge you!!!!!!!!!!!!! I bet your sick of waiting!

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
I bet your sick of waiting!

 

You're not wrong :D

I hope they won't dare apply for a set-aside after all this time but if they do, I believe both parties have to agree and I would be very tempted to say no! I've already demonstrated bucketloads of cooperation and tolerance etc. Oh well, I'll just have to keep on keeping on :smile:

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Having read this thread all the way I'm awaiting the next instalment with baited breath!

 

Are the balifs on their way?

 

:D

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Blue,

well gosh and darn it:eek: , more waiting! I'm not sure how the baliffs work, don't know whether they take some gear and then sell it and you get your dough or they give you the goods? My RBS has got a nice coffee machine that I've had my eye on, I wonder.......nah, screw 'em - we wants cash!!:p

 

Looking forwards to Thursday for you....

LoL:smile:

BC

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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Hopefully you'll hear something tomorrow! Let us know!!!!!

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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WELL has anything happened? I cant hold my breath for much longer, i going dizzy an everything !!

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Guest BlueRuby

You know, I do worry about you fellas holding your breath like that. It can't be good for you :eek::D

 

I haven't posted because there's no news and in this case that's definitely not good news:rolleyes: I phoned the bailiffs again on Thurs. only to be told that it would 'most likely' be dealt with that week but I have still heard nothing and there was nothing in the mail. I just can't understand why I'm getting no response from the bank at all. I'm now going to PM a mod and I will let you all know as soon as I know anything!

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Guest BlueRuby

I PM'd AlanfromDerby and he said that it could take as much as 28 :eek::shock: days for the bailiffs to go through the process of what they have to do. I still don't understand why the bank is not responding at all. I feel like the invisible woman - there's no icon for that - unless Bookworm's got one!!

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Oh my god!! I'm one of those new people just starting out and was originally drawn to your title "Speedy response"....(You were optimistic) Can't believe what they are doing to you! Good luck... an do keep us all informed!

:)RBS - Settled in full -3k
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I'm with Me.x - sending my prelim letter in a few hours. I must say that your thread makes for thrilling reading though. In a kind of financial way. Good luck and don't let the swines grind you down with their ignorance!

RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

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Guest BlueRuby
Oh my god!! I'm one of those new people just starting out and was originally drawn to your title "Speedy response"....(You were optimistic) Can't believe what they are doing to you! Good luck... an do keep us all informed!

 

Fooled you huh!:D

I can't believe I was so naive. But my claim against First Direct went so smoothly I thought RBS would be the same :rolleyes:

 

SolidChris - this thread has turned out to be like an excerpt from a training manual on claiming your bank charges :lol: - hope it helps you and Me.x. All that's missing now is the money :lol:

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Just registered with the site and have been reading through the posts before the onerous task of wading through 6 years worth of bank statements! Unfortunately I have 3 accounts with RBoS and 1 with Woolwich so after reading your thread I'm really worried now! :!:

 

Good Luck though and I'll keep watching and hopefully let you all know how my case in going soon!

 

:mad::confused: !!

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Guest BlueRuby
Just registered with the site and have been reading through the posts before the onerous task of wading through 6 years worth of bank statements! Unfortunately I have 3 accounts with RBoS and 1 with Woolwich so after reading your thread I'm really worried now!quote]

 

I wouldn't worry too much - I think I have slipped through the net because Cobbetts forgot to put a reference on the acknowledgement of service :confused: . If you get as far as that on any of your claims, just remember to check that there is a Cobbetts ref. :D Good luck anyway ;)

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Hello,

 

Any news yet? Have you heard from the bailiffs?

 

Stacy x

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
Any news yet? Have you heard from the bailiffs?

 

Hello Stacy, no and no :Cry:

I'm pretty fed up as you can imagine! I calculate that the 28 days AlanfromDerby mentioned are up tomorrow but I just can't believe the bank has not responded at all - oops, yes I can :rolleyes:

Haven't a clue what to do next :confused::confused:

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Hi

I'm at a similar stage to you BUT according to the court when I phoned on Tuesday to see if the bailiffs had been actioned, I was told yes and they had signed it off as the RBS had told the bailliffs they had paid me in full. Nobody tried checking with me which I find a bit (very!) strange. I now have to resend in the bailiffs, it won't cost any more money only time, which I really don't have.

 

Hope you're having more luck!!

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Guest BlueRuby
I was told yes and they had signed it off as the RBS had told the bailliffs they had paid me in full. Nobody tried checking with me which I find a bit (very!) strange.

 

I take it they haven't paid you in full?:rolleyes:

I've been phoning the bailiffs but not getting any info from anyone. I think I'll try the court again, in the light of what you've said. I wonder if this is a new ploy from RBS - drag it out long enough and we'll get bored - they think :rolleyes:

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Guest BlueRuby

Thanks so much for that suggestion sbroad! I've just phoned Southampton court and discovered that the bailiffs have been in touch and RBS phoned the court this morning to ask what the claim was about :D :D Can you believe it - after all this time they still don't know what I'm claiming. Southampton suggested they phone Northampton. I'm still laughing...

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You couldnt make this up .......

 

its a GEM

 

What are they doing ? talk about heads up A****s

 

 

ermmm just a thought

 

do you think they might have been reading this site especially the bailiffs section and learnt how to deal with them?

 

:-) :-) :-)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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