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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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Paratus amc, what are they like?


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Hi folks, I have been reading around about Paratus as they are my mortgage err, people.

 

I have a 96k inerest only mortgage i took with GMAC but its cheaper than renting at the minute so alls good :oops:!

 

I have read that they arent the best as they seem to be hell bend on liquidating there assets

since they no longer issue new loans and all that plus there is a tiny amount of arears, a few pennies less than a months payment!!

 

just recently made redundant and wondering if i dare tell them!?

 

The clocks ticking as the last of my redundancy will go on this coming months payment as I cant get MIR for maybe 3 months give or take a week!

 

Anybody have any experiances like this with Paratus?

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What plans had you made for redeeming the mortgage ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Paratus are an Asset Management Company (hence the AMC) and are, as you state, after money.

 

They are chasing me for an old mortgage shortfall and have no chance of getting anything as I am on basic unemployment benefit. They do not seem to care about the CML code or the OFT Guidelines on Debt Collection as neither 'count' in their world as it is a mortgage shortfall of about £4,500, made up of all sorts of dubious estate agent and other fees. I did point out the whole point of being repossessed was to stop my indebtedness to the company but they don't seem to care.

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Yes :)

 

 

Sorry :-)

 

 

No plans to redeem, not yet. Fingers crossed the housing market will improve in the coming 20 years.

Edited by will lliw
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Paratus are an Asset Management Company (hence the AMC) and are, as you state, after money.

 

They are chasing me for an old mortgage shortfall and have no chance of getting anything as I am on basic unemployment benefit. They do not seem to care about the CML code or the OFT Guidelines on Debt Collection as neither 'count' in their world as it is a mortgage shortfall of about £4,500, made up of all sorts of dubious estate agent and other fees. I did point out the whole point of being repossessed was to stop my indebtedness to the company but they don't seem to care.

 

 

Im sorry to hear about your situation, i hope you dont worry to much about it. I understand that Paratus AMC also ignore the pre action protocal aswell, which is why im trying to find other people like yourself who have dealt with them and see what they are like.

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If they ignore the pre-action protocols then they could be in trouble. They seem to be using Optima Legal who keep not answering some questions and forgetting to put information in they promise. The whole organisation are a complete shambles. I don't know if they are going to try court but I simply will cross reference their defence with the original eviction information and let the court know this all happened in 2005 and not 2006 as they claim, and that their shortfall is made up of questionable charges.

 

I had a mortgage with GMAC, second charge with London & Scottish who were the company who repossessed me, NOT GMAC.... yet GMAC have marked my credit file with the wrong date, insist they repossessed me nearly a year later than the actual event. This is fairly typical of their behaviour.

 

Have you tried to get money back from GMAC regarding fees etc charged to your mortgage account? They were fined by the FSA for this a while ago. They haven't provided me with any kind of breakdown of their figure which I refused to accept.

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Thanks silly for a very interesting and informative post. Havent looked into the fee refund yet but will keep that on the back burner when I get my other business done!

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Hi there,

 

Unfortunately Paratus are a nightmare to deal with. Pls check out our blog for a bit of backround,

type gmacparatuscrooks into google and you should find it.

 

Hope everything goes well.

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Just had another chasing letter from this lot yesterday, suitably worded reply sent, including pointing out that I can also provide a qualified British Sign Language interpreter to attend a meeting with them as they clearly do not understand written English!.

 

I also pointed out that their little list of 'intended enforcement action should a judgement be obtained' is pointless as they are all unenforceable due to the reasons shown.

 

Finished by mentioning complaint going to OFT, Trading Standards etc (and now I think the Solicitors Regulatory Authority) and my local MP are in order.

 

My credit rating is shot, I am unemployed and there is little prospect of employment for me as employers now seem to use credit ratings as means of weeding out 'unsuitable' applicants. I am now on that point technically unemployable until retirement age! All the more reason for this lot to lay off and write the alleged due amount off.

 

I believe in writing letters to creditors in the same format they send me, answering each paragraph with a rebuttal where necessary and reinforcing my stance by, initially, non legal language. Should they persist then I use the OFT Guidelines on Debt Collecting and list each one they have breached, and send the correspondence to the OFT as part of a complaint.

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Just had another chasing letter from this lot yesterday, suitably worded reply sent, including pointing out that I can also provide a qualified British Sign Language interpreter to attend a meeting with them as they clearly do not understand written English!.

 

I also pointed out that their little list of 'intended enforcement action should a judgement be obtained' is pointless as they are all unenforceable due to the reasons shown.

 

Finished by mentioning complaint going to OFT, Trading Standards etc (and now I think the Solicitors Regulatory Authority) and my local MP are in order.

 

My credit rating is shot, I am unemployed and there is little prospect of employment for me as employers now seem to use credit ratings as means of weeding out 'unsuitable' applicants. I am now on that point technically unemployable until retirement age! All the more reason for this lot to lay off and write the alleged due amount off.

 

I believe in writing letters to creditors in the same format they send me, answering each paragraph with a rebuttal where necessary and reinforcing my stance by, initially, non legal language. Should they persist then I use the OFT Guidelines on Debt Collecting and list each one they have breached, and send the correspondence to the OFT as part of a complaint.

 

You mentioned the Solicitors Regulation Authority in your post- is it TLT they are using? If so there are LOADS of examples of this firm doing things they really shouldn't.

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No, in my case it is the overly optimistic Optima (ill)Legal they are using.... haven't had TLT chase yet. Before Optima it was HL (ill)Legal, Kings Legal (only one letter from them then silence) and the back to HL (part of same group as Kings) then Paratus themselves and Optima/Paratus both chasing.

 

I doubt whether the SRA will do anything as they seem as toothless as a lot of the 'regulatory' organisations when finance is concerned.

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Yes agree about the SRA being toothless. From our experience of what Paratus have been doing to people, I really think they shouldn't be allowed to trade anymore. We're recommending that people write to the FSA to report them. They cannot investigate individual complaints but if enough people complain then they will investigate. Would you like the details?

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Yes please, if you can post up the FSA details and any individual contact you might have there.

 

I emailed my letter across today and would like to see the blokes face when he reads it!

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Sure, details below:

Georgina Philippou

FSA Enforcement and Financial Crime Division

The Financial Services Authority

25 The North Colonnade

Canary Wharf

E14 5HS

 

As I said before they will respond to say that they can't look into individual complaints, but there are loads of people who have complained already so hopefully they will

start an investigation soon!

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After my letter emailed on Sunday to them they (Paratus via Optima Legal) have sent a reply and are putting my claim on hold for 3 months to let the FOS investigate - which, as we know can take up to 2 years! Methinks they know they are onto a looser.

 

I am not likely to find employment in the next 3 months because of a very bad credit rating (which should have no bearing on the employment situation as I mostly do admin work - but such is the state of the country that most employers are now using credit checks as a way of weeding out 'undesirables'.

 

I will write to this shabby crew with the FOS reference number and tell them that they have offered me a refund WITHOUT a statement to explain how THEY came up with the figure, despite me asking for this on three or four occasions, they also have NEVER sent me a statement since I was repossessed, and won't send one now.

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  • 3 months later...

Any chance of you copying it onto here so that we can get a giggle from the letter/email you sent? :smile:

 

I've just had a reply from GMAC via Paratus today, where they are saying they forwarded a cheque in 2010 for redress of just under £400 to the address of the house that I sold - should know I haven't lived there for 5 years now, and apparently the cheque was cashed!!! They're saying that they only have to refund for charges for non payment by DD, which I believe is garbage, as the FSA stated that charges not reflective of actual admin costs were unfair/illegal, which includes the £50 arrears charges every month. Going to send them a letter back advising about the wrongly addressed cheque (I certainly didn't get it!) and telling them not to bother replying, just wait for the summons as I'd always intended this to go to court as it's the only way to get a forced breakdown from them. I work regularly in a court setting, so I'm not intimidated by it at all. Bit of a pain having to do it, but it'll be worth it, I think, at the end of the day.

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  • 2 weeks later...
Hi folks, I have been reading around about Paratus as they are my mortgage err, people.

 

I have a 96k inerest only mortgage i took with GMAC but its cheaper than renting at the minute so alls good :oops:!

 

I have read that they arent the best as they seem to be hell bend on liquidating there assets

since they no longer issue new loans and all that plus there is a tiny amount of arears, a few pennies less than a months payment!!

 

just recently made redundant and wondering if i dare tell them!?

 

The clocks ticking as the last of my redundancy will go on this coming months payment as I cant get MIR for maybe 3 months give or take a week!

 

Anybody have any experiances like this with Paratus?

 

Don't get me started on these. I lost my job and sent them numerous MI12 forms to which they said they never received. They always say in their letters if you're having financial difficulty please call us and we will be able to help. Liars!!!! I have 3 kids and at the time my partner was 7 months pregnant with our 4th. They proceeded with the repossession of the property which was 2 months in arrears. Despite asking them if we could pay a little extra to clear the arrears we found out the extra £50 we were paying was just paying the charges every month so technically the arrears were never coming down. They treat you like dirt and from the get go these people are out to get your home one way of the other. Cut a long story short the house got repossessed even though we explained we were doing a quick sale from property buyers. So for 6 weeks me my 3 girls and my heavily pregnant partner had to be temp housed. Now we are happy in our rented home. 2 months ago we received a letter from TLT stating the house had been sold and there was a surplus amount of funds which was owing to us. Can we get this money, No! We both don't own a passport so we a to get out photos verified so our optician kindly verified it for us and we sent the rest of the ID letters to TLT. It should've taken 3 weeks to process and the funds released according to TLT. 5 weeks we waited and nothing

My partner called them today 14/12/12 for them to say oh we sent you a letter out on the 9th dec 2012 explaining your photos cannot be verified by a optimetrist. Who in my eyes is a fully qualified person who I used 12 years ago for my passport. So now we have to try ad get my doctor to verify our photos before we get our money. I just feel between TLT and paratus they're nothing short of criminals. TLT have said that there was a 1 month turn around too on the phone. Nothing like this mentioned in any correspondence. Just a shame they're not as swift and determined to give you money owed as they are when they want to repossess your home. Truthfully if I met anyone who worked for either of these companies face to face, well lets just say ill be doing time for it.

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  • 3 months later...
Hi folks, I have been reading around about Paratus as they are my mortgage err, people.

 

I have a 96k inerest only mortgage i took with GMAC but its cheaper than renting at the minute so alls good :oops:!

 

I have read that they arent the best as they seem to be hell bend on liquidating there assets

since they no longer issue new loans and all that plus there is a tiny amount of arears, a few pennies less than a months payment!!

 

just recently made redundant and wondering if i dare tell them!?

 

The clocks ticking as the last of my redundancy will go on this coming months payment as I cant get MIR for maybe 3 months give or take a week!

 

Anybody have any experiances like this with Paratus?

 

My ex-business partner took out a self declaration type mortgage with GMAC (now Paratus), in our joint names without my knowledge.

GMAC did not bother to verifiy with me the validity of the initial mortgage application. They did not invite me to, or ensure that I was present at, any of the repossesion hearings which took place. (in fact they were unaware of my correct address of 15 years standing at that time), and they have always refused to provide any evidence whatsoever of my liability.

Despite my making it abundantly clear to them, that the mortgage was obtained fraudulantly, they are still chasing me via a debt collection agent for the mortgage shortfall, following said business partner's bancrupcy 4 years ago.

That's what they're like to deal with.

Edited by GROMMIT
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  • 1 year later...
@GPCUK

 

PM me please, I've tried to get hold of you via email on the gmac crooks site but it bounces.

 

ANYONE else who has or is involved with these induhviduals please get in touch with me. I CAN HELP but I need numbers to do it.

 

It is not advised that information is shared via private messaging. Please read CAG site rules :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 months later...
That is what they would like you to believe.

 

I'd email them back and restate your problem and see what happens.

 

I'm too new to PM you, which would be better. I got interested because they've just taken over a p2p lender, I challenged them about this bad reputation and I've got an email from a high up saying they are better (including a very low rate of reversals by the Financial Ombudsman they say which sounds good to me)

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I know someone who's had a letter from Paratas telling them that they are now adding an amount each month to their normal mothly payment to pay off the charges levied on their account! how do they get away with that ??

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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