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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
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IDS is misleading the public again!!!


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no one believes a word he says because he can't help but mislead :D

 

 

is there anything this man hasn't been truthful about?! he can rant and and rave all he likes but at the end of the day no one is having any of it..he's just one big fake end off!

 

 

 

http://www.dailymail.co.uk/news/article-2291288/Welfare-minister-rages-bishops-Theres-moral-trapping-people-benefits-says-Iain-Duncan-Smith.html

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no one believes a word he says because he can't help but mislead :D

 

 

is there anything this man hasn't been truthful about?! he can rant and and rave all he likes but at the end of the day no one is having any of it..he's just one big fake end off!

 

 

 

http://www.dailymail.co.uk/news/article-2291288/Welfare-minister-rages-bishops-Theres-moral-trapping-people-benefits-says-Iain-Duncan-Smith.html

 

I just find it unbelievable that nobody in the media are asking the obvious question;

 

"Mr Duncan Smith, a devout Roman Catholic, insisted it was neither fair nor moral to trap millions of families on welfare payments which made it not worth their while seeking work."-taken from the daily heil.

 

So why dont they increase the minium wage then?

 

If george duncan smith and his elite tory millionairs think that cutting benefits will help already poor and struggling families into work then they are wrong.

Surely it would make sense to increase the minium wage, or have a living wage as they call it.

 

Why?

Because it would make working worthwhile.

It would bring more families out of poverty.

People would not need so many working benefits to top up their income to be able to just about live.

This would save the tax payers millions and stop us tax payers from subsidising employers who pay rubbish wages.

Higher wages for peasents means more spending in britain as opposed to higher wages for millionairs who mainly invest or spend abroad.

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there aren't even many jobs to go for with thousands going for a few jobs, same with this bedroom tax situation when there isn't available smaller accommodation for a lot of people to move into, so their stuck. as usual with the tories its to hell with the poor.

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There is significant government thinking that the NMW actually increases unemployment because employers feel that the bar is set too high, £6.19 per hour is too much to pay out. Of course, employers are bound to state that, because anything above £0.00 per hour eats into profit. Hence workfare.

 

No government have ever set an official poverty line, they always refer to this index, that statistic, GDP, blah blah, and no government ever will because the NMW would have to be set above the line, and so would benefits.

 

Corruptissima re publica plurimae leges

 

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

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IDS should remember the old saying 'empty vessels make the most noise', this sad pathetic little man shouts because he is frustrated as he knows no one believes a single word that comes out of his mouth!

Edited by joeski
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But we still have to put up with it all and suffer....for how long methinks

 

well considering no one takes IDS seriously and we'll probably have more riots when UC is introduced maybe for much not longer (i hope so anyway) :)

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There is significant government thinking that the NMW actually increases unemployment because employers feel that the bar is set too high, £6.19 per hour is too much to pay out. Of course, employers are bound to state that, because anything above £0.00 per hour eats into profit. Hence workfare.

 

No government have ever set an official poverty line, they always refer to this index, that statistic, GDP, blah blah, and no government ever will because the NMW would have to be set above the line, and so would benefits.

 

In order to pay the £6.19 per hour, the employer has to raise the cost of their goods to the buyer. The buyer in turn passes this onto the consumer who is the person being paid £6.19. However that consumer person can no longer afford the commodity due to the price increase. A wage increase happens again, price of goods go up further, the consumer person is no better off and so the cycle is repeated. When does it stop? When the employer is paying £100, £200 per hour and with the goods now priced even further out of reach?

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But we still have to put up with it all and suffer....for how long methinks

 

It's the old story with tories, they will do as much damage as possible to people at the lower end of the scale to support the wealthy in the knowledge that they will have a very short reign.

 

A perfect example is the fact that they will do anything to preserve the banking bonuses on the basis that if such payments stop it will create a so called brain drain. I can't get my head round this one bearing in mind that it was the banks that caused the financial problems in the past , so who cares if they disappear into the wilderness. In fact why not give them a free transfer to anywhere.

 

There again, how many tories will end up working in these financial institutons when they get kicked out of government.

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well I hope so joeski......this lot need outing asap....but wonders who will be any good as a replacement.

 

i personally think they are all the same..we'd be better running the country ourselves without them :)

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There is significant government thinking that the NMW actually increases unemployment because employers feel that the bar is set too high, £6.19 per hour is too much to pay out. Of course, employers are bound to state that, because anything above £0.00 per hour eats into profit. Hence workfare.

 

No government have ever set an official poverty line, they always refer to this index, that statistic, GDP, blah blah, and no government ever will because the NMW would have to be set above the line, and so would benefits.

 

I am a long term unemployed and I hate this and the previous govermnment but I'd like to see the NMW abolished. It has created a black market of people willing to work for less and cash in hand. At the moment most jobs in retail and service sectors go to foreign (non EU) students who nominally work part-time but get cash in hand to work full-time. How can you beat that?

 

I'd like to see NMW abolished but tax free income up to £20k a year. My opinion.

"Ask not what your country can do for you, ask what you can do for Poundland"

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Interesting points.

The Tories doing things because they know they won't last long? What a short memory you have. How many years of the Tories did we have last time?

 

Labour are just as much to blame as the Tories for the banking crisis if not more so.

 

The minimum wage argument saying that it will cause inflation,well since it has been introduced we have had low inflation. Who remembers the 70s, where was the minimum wage then. There are many costs that increase with no account for the labour costs,oil.steel.utilities.

 

The banks do pay huge bonuses but they get spent,sadly maybe on imports but also on local goods and services.

 

Most arguments have two sides.

Any opinion I give is from personal experience .

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I don't see Labour jumping to the defence of the welfare (as they call it) cuts, and even if they did, I don't trust them either, whoever is in feathers their own nest it would seem. It was a Labour govt in 2009 who sent me to Atossers and found me fit, almost 18 months later a tribunal found in my favour, by then the Tories were in. I don't think any of them have a clue what to do or what they are doing, nothing seems to be thought through properly, and see David Cameron not even knowing how his own bedroom tax changes worked just baffles me even more as to who the hell makes all these decisions and why they haven't been strung up. Its even worse that all these lies and stupid decisions across the whole board are just allowed to continue, too many influential people backing each other and in each others pockets is the only conclusion I can come to. But that's just me and my simple logic, my simple mind.

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While I do detest IDS he does say what he means even if totally wrong I believe that he is the only MP that will answer a question with his own opinion (even when total ****) the rest just spout the party line without answering the original question or as on one occasion when pushed for an answer walk off stage.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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What IDS is saying is basically akin to 'we can't give starving people more food because those with full bellies aren't being given any more and it's not fair that they contribute surplus food just because people are starving'

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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In order to pay the £6.19 per hour, the employer has to raise the cost of their goods to the buyer. The buyer in turn passes this onto the consumer who is the person being paid £6.19. However that consumer person can no longer afford the commodity due to the price increase. A wage increase happens again, price of goods go up further, the consumer person is no better off and so the cycle is repeated. When does it stop? When the employer is paying £100, £200 per hour and with the goods now priced even further out of reach?

 

Capitalism is broken, so there is no answer.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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What IDS is saying is basically akin to 'we can't give starving people more food because those with full bellies aren't being given any more and it's not fair that they contribute surplus food just because people are starving'

 

but we can afford to give millionaires tax cuts and billions away to other countries.

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but we can afford to give millionaires tax cuts

 

Indeed, you cold add to the analogy that 'people who we consider extra important will be given more food than they could ever need'.

 

 

and billions away to other countries.

 

Personally I don't differentiate between starving people based on where they live. I just wish that we could ensure that aid being given got to the people who need it - too often it doesn't.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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i personally think they are all the same..we'd be better running the country ourselves without them :)

 

Now, that's a revolution I would join.

 

What IDS is saying is basically akin to 'we can't give starving people more food because those with full bellies aren't being given any more and it's not fair that they contribute surplus food just because people are starving'

 

Excellent analogy, estellyn. I'm going to try and remember that one.

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