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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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SANTANDER car loan issues- being nasty - now sold to bluestone/close credit management?


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sure that's not the updated date

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just checked again and now this is weird it says

Default Date 22/07/2013

Default Balance £9739

and this bit is confusing....

Started 06/06/2010

Current Balance Satisfied??????????

Date assigned to CAIS Member 01/08/2013

 

when I click on the info box about the CAIS member it says that this means the debt has been sold to another member and the old account will close and new one will show with the new lender.

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Can anyone advise on my last post and my confusion etc ...

 

.also sent letter to blxxxx and they signed for it 9th Aug

it was the one re doorstep collectors and

 

I pointed out I am happy to correspond in writing but I would not make appointment for doorstep visit.

 

I came tonight to another letter off them dated 1st Aug even though its now the 12th but it they say in line with the office of fair trading debt collection guidance

we are notifying you of our decision to pass it on to a home collection agency for a field visit.

 

A debt collector will visit you at your home to discuss the issue and arrange to collect the outstanding debt

as well as making an assessment of your circumstances with a view to potential legal action to recover the debt

should you fail to make a suitable arrangment' etc etc

 

Can they insist on a home visit when I have specifically asked them not too.....

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nope

 

they are NOT BAILIFFS

 

and have NO SUCH LEGAL POWERS

 

only a JUDGE can order a 'home assessment'

 

more bowlarks.

 

ignore them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I've just been going through this agreement in order to try and find something wrong with it like DX states as

 

still can't understand why they have been so fast to sell it on etc....

 

.the one thing that I can't see on the agreement is a date or signature anywhere????

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your confusion- satisfied merely means Satans have sold to these grasping pondlife and been paid by them [probably for around 5p in the pound], and bluestone will now be reporting the ac on your credit file. You should indeed have received a signed and dated copy of your agreement, the sar should reveal alot more

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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yes they hold a CCL

 

nothing to worry about

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Right well

SAR request and another complaint letter sent to Santander and

 

yeepppeeee finally had a response to my complaint (this is the 5th one sent!)

 

they say they will respond within 8 weeks.

 

Had another letter from BLXXXXX threatening legal action so just fired off a letter to them

 

first of all stating that their letters are taking well over a week to arrive and to take this into consideration when setting deadlines for a response,

that I consider the account in dispute until I have a reply from Santander etc. And to correspond in writing.

 

Also told them that they should of had a full history of the account etc

and that if they want to pursue legal action then go ahead.

 

Just thought I'd post an update.

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  • 2 weeks later...

well had the letter below delivered yesterday 27/08 but dated 19/08!!!!

 

They really are so incompetant as had a letter from Blxxx dated 22/08 saying that they are investigating my complaint and will respond within 28 days.

 

I have also had the SAR back from Satans and really confused over the balance on the default

and the one Blxx are saying I owe as they are differant.

 

no record of of any discount being applied just that the final balance after my payments has WO written on it which I assume means written off!

 

I am going to go through all the notes etc this afternoon and will post anything I find.

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Reading all the SAR notes no discount has been applied to the balance at default and they just keep referring that the debt is suitable for debt sale over and over again and then just sell it on. This sounds like a previous post where they have just offloaded it and claimed on the insurance.

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so more willy waving by them.

 

i'll let OR comment further

 

but there got to be a reason why satan sold this debt

 

strange....

 

poss could be an invalid DN [not giving a clear 14 days]

and

[default balance being incorrect]

 

this would render the termination invalid too I think.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Allison,

 

I think it is very important to send a letter today to a Banner Jones to inform them that the account is currently

subject to dispute and complaint with both the original creditor and Bluestone

{enclose a copy of the latest letter from Bluestone}

 

and you are unable to provide a response to their letter until you receive further information from both the original creditor and Bluestone,

which you expect to do by September 19th {28 days from 22/8 as per bstn letter}

 

That will give us sometime to sort out the DN and Balance issues.

 

So could you scan in the DN of Mar26 and the Termination letter of April 17.

 

Did you keep the envelopes these arrived in?

 

and also the envelopes of other correspondence you received from Satans recently.

 

When was the last contract payment made to Satans?

 

How many subsequent £200 payments did you make

 

-we really need to sort out how each have arrived at various balances.

 

also if poss scan in any relevant sections of the SAR

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Did the SAR include the original SIGNED agreement if so could you scan in that as well please {its being relied on by Banner Jones}

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hi thanks for your response and

 

yes agree with everything you say.

 

I have already done a letter to Banner Jones saying that their letter hadn't been delivered until 27th Aug,

referring them to the letter sent to Blxx and their response that they are investigating,

that I have today received the SAR request and have numerous disputes including the balnce etc

and finally stating that I am more than happy to provide any information their clients want to resolve this in WRITING.

 

I will scan the letters now and then post them up.

 

I didn't keep the envelopes for those ones but have kept them for the bluxxx ones although they don't have a date on them but they do have some sort of barcode.

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Right here are all the docs you wanted to see and I have also noted the following.

 

On the original agreement (my copy) there is no date but on the one sent with the SAR (same as mine) there is a printed date stating "signed on 16/06/10

 

now I know this was not the case as it was signed on 11/06/10 same as all the proof of ID that I signed and also the direct debit mandate.

 

Notes from the SAR will follow shortly

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ok,

 

still not happy about that rebate,

 

so I suggest a S77 [normal CCA request] request to the proud owners Bluestone with their much needed £1 which needs to show

- copy of executed agreement and

any documents referred to in it

together with statements showing the total sum paid to date,

the total sum payable but remains unpaid and

the basis on which this will be determined, and

 

also a seperate request under S97 of the CCA 1974 {no fee} for a statement indicating the amount that would be required to settle the agreement early

{which must be provided regardless of whether you intend to settle or not}

 

that must show-

 

The total amount payable to discharge debt before deduction of any rebate,

whether entitled to any rebate on early settlement/termination,

 

THE METHOD OF CALCULATION of any rebate,

and the total amount payable less any rebate.

 

Send a CC to Banner Jones,

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I would do two letters

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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ok many thanks OR I am gonna have a go at these before the weekend as finishing work now and have a few days off before my son goes back to school...they will be ok going early next week won't they? I have the other letter to Banners as prev post which I will post today. I so appreciate all your help x

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yes no hurry on those Allison, just Banners that you have done. Have a good weekend

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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got any more statements than that?

 

I notice they totally break the rules by stating they have sent Anglia to her workplace to repo?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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got any more statements than that?

 

I notice they totally break the rules by stating they have sent Anglia to her workplace to repo?

 

dx

yes did notice that in SAR Dx, with that in writing may well be worth lodging complaint with her local T/S and informing solicitors that T/S are involved?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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