Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

  • Recommended Topics

DWP send Benefit details through Royal Mail in Open Envelope


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3262 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Caggers

 

Thought this was shocking as visited veteran today and was there when his mail was delivered by Royal Mail and low and behold one letter which was an update on his Benefit with all his personal information, Full Name, Address, DOB, NI No. etc was in an unsecured envelope full open for anyone to basically commit ID Theft.

 

Now the envelope being open is not Royal Mails fault at all as when you look at the envelope the part to lick and seal envelope was full intacted with no evidence that they had even attempted to seal the envelope. So the veterans details went through the whole Royal Mail system open and unsecured by DWP.

 

Gets worse on veteran contacting DWP about this promised callback which did happen and in fact DWP didnt give a dam as it goes like this:

 

"Dear Mr XXXXX we are so sorry this has happened but tha machines that send these out are Automatic machines which we have no control over and can only appologise but this is not our fault as its down to the automatic machine sorry again and hung up.

 

Veteran is livid to say the least that they sent his private details in an open envelope but put the blame on a automatic machine.

 

what your thought on this as I have told veteran to contact his MP on this as I would have thought this was a breach of DPA by DWP as there was not attempt to seal the envelope made and sent open through the postal system for anyone to read or steal that data.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Mistakes happen, automatic machines sometimes miss somthing not really a problem or of much interest to an MP, not a breach of DPA there was no reason for every envelope to be checked manually, it was a one off.

  • Confused 1

If I have been of any help, please click on my star and let me know, thank you.

Link to post
Share on other sites

Yes it's not nice but unfortunately the letters are produced by a centralised computer and printer which runs overnight, the letters are then sent out directly and they are not checked by a person to ensure that they are all sealed.

Link to post
Share on other sites
Yes it's not nice but unfortunately the letters are produced by a centralised computer and printer which runs overnight, the letters are then sent out directly and they are not checked by a person to ensure that they are all sealed.

 

Mistakes happen, automatic machines sometimes miss something not really a problem or of much interest to an MP, not a breach of DPA there was no reason for every envelope to be checked manually, it was a one off.

 

Yes,I had this once a few years ago bank statement came in the post not sealed properly and open for everyone to see my account number and so on :shock:

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

Link to post
Share on other sites
Yes it's not nice but unfortunately the letters are produced by a centralised computer and printer which runs overnight, the letters are then sent out directly and they are not checked by a person to ensure that they are all sealed.

 

can I ask why?

Link to post
Share on other sites

Cant see why you would have an automated system and then employ someone to manually check it every day, also it would be a rare occasion when there was a mistake so I would have thought just not cost effective.

If I have been of any help, please click on my star and let me know, thank you.

Link to post
Share on other sites

As assisted blonde said it's not cost effective to have somebody employed when the letters are printed to ensure that each one is sealed. Also some of the envelopes do not have a very good sticky for sealing.

As the letters are usually printed late at night and through the early hours the rate of pay would be considerably higher and they are looking at reducing costs left, right and centre.

Link to post
Share on other sites
As assisted blonde said it's not cost effective to have somebody employed when the letters are printed to ensure that each one is sealed. Also some of the envelopes do not have a very good sticky for sealing.

As the letters are usually printed late at night and through the early hours the rate of pay would be considerably higher and they are looking at reducing costs left, right and centre.

 

All of this, plus, I think people sometimes underestimate the sheer numbers of letters that are sent by the automated system. It's not like it would be one or two people checking the letters.

 

In general, folks agree in principle that the DWP should have more staff, but when it comes to actually paying their salaries...

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

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

Link to post
Share on other sites

Whilst annoying and unfortunate, there are just too many letters to check each one or to manually seal them. Lordy! We moan about the delay in things as it is, can you imagine some poor souls just licking envelopes all day with an ever increasing stack in front of them? Actually, keep that thought to yourselves. Irritable Duncan Smith will probably think it's the only job the disabled deserve...:rant:

Link to post
Share on other sites

I wonder if it happened for an entire batch, because yesterday I had exactly the same. Open letter from the DWP which had clearly never been sealed.

 

The problem really tho is DPA breaches, the DWP have in effect breached the law and that has no acceptable cost, if it costs more to not have these mistakes then it should be found from somewhere.

 

I am wondering why they even using such a system, what happened to picking up an envelope, printing a latter there and then and putting it in a outbox? The DWP still do some manual letters as I have had some.

Link to post
Share on other sites

 

I am wondering why they even using such a system, what happened to picking up an envelope, printing a latter there and then and putting it in a outbox? The DWP still do some manual letters as I have had some.

 

The DWP does send letters written by real people - I must have sent thousands myself in my time there. But the automated letters are done that way for the same reason that the banks don't have staff print out your monthly statement and stuff it in an envelope by hand: there are way too many letters sent to make this practical.

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

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

Link to post
Share on other sites
I am wondering why they even using such a system, what happened to picking up an envelope, printing a latter there and then and putting it in a outbox? The DWP still do some manual letters as I have had some.

 

That's going to cost so much money.

Link to post
Share on other sites

I can't believe this thread is going on for so long :bored:

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...