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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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      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.
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Hi all, I'm looking for some advice...went shopping this morning at Tesco and as I got my trolley I put my handbag in there

 

Got some shopping,about £40 worth and was about to make my way to the checkout when I thought I'd look for some makeup as I'm going out this weekend.

 

I decided to get a lipstick and put it in the trolley then made my way back to the checkout when I bumped into someone and stood talking for ten minutes or so

 

Went to the checkout put all my shopping on the belt,paid and left.

 

I'd just got outside when two security guards shouted excuse me have you any items you haven't paid for? To which I said no..he asked for my receipt which I showed him and then asked me to come back in,at this point it dawned on me that I had picked up the lipstick last minute and didn't recall putting it on the belt

 

They marched me through to the back room and asked me to remove my bags from the trolley where the lipstick was under my handbag,at this point I was close to tears and tried to explain it was a genuine mistake and offered to pay right away but they didn't acknowledge what I was saying and asked me to wait there,left the room and comeback 15 min later asking if I had any identity on me,I said my bank card,gave it him and again apologized and offered to pay for the lipstick,again he ignored me.

 

I then said what's going to happen will the police be called? He said no you're lucky the value of goods was under £10 meaning we can issue you with a bang from store fir 12 months and you'll get a fine through the post

 

He gave me a sheet explaining the ban and a sheet from rlp saying my info might be shared with third parties and that I will have to pay for the goods plus a fine...I wasn't asked to sign anything

 

I'm really worried about what will happen next,feel ashamed and also angry that it was a genuine oversight and I never meant to steal anything but wasn't allowed to try and explain myself

 

Please help,will I have to pay a massive fine? Will the police get involved?

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The only thing that will happen next is RLP will send you a few letters with veiled threats. DO NOT PAY THEM ANYTHING.

 

When you get jackies letters, come back here and we'll give you a letter to send to her. Be warned, she loves to intimidate and threaten people into paying. She and her company have absolutely NOTHING to do with the law, so do not give in to her purile demands to pay her. The shop has already washed their hands of you and have forgotten about you. You need to do the same to RLP.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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@renegadeimp...thank you so much for your reply,the security guard made it sound like I'll be receiving a demand for a big fine and if I don't pay up immediately the police will be the other option...he said apparently they recover costs incurred for the time they've wasted to deal with me aswell so I can mount up?

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@renegadeimp...thank you so much for your reply,the security guard made it sound like I'll be receiving a demand for a big fine and if I don't pay up immediately the police will be the other option...he said apparently they recover costs incurred for the time they've wasted to deal with me aswell so I can mount up?

 

At the time of writing you have only looked at this thread. It would serve you well to read other threads in this forum about RLP.

 

You will very quickly get the idea of what they are about.

 

You will receive a "speculative invoice" from RLP. It is not a fine. It will be followed by all types of threats, intimidation and pleadings to pay them money.

 

Do not pay them anything, do not let them intimidate you.

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ALso remember that only the police or courts can issue a fine. RLP is a private company and as such cannot do ANYTHING to you at all. As IMS has said, have a good read of the RLP forums, you'll soon breathe a sigh of relief.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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At the time of writing you have only looked at this thread. It would serve you well to read other threads in this forum about RLP.

 

You will very quickly get the idea of what they are about.

 

 

 

Hello...I've had a quick look around based on your advice,and reading threads on here it has put my mind at rest some what...I also looked at rlp website which I have to say looks pretty scary when you read the section regarding what will happen if you don't pay...according to their website,they can ultimately send county court bailiffs to your home? Is this a possibility? ...they also mention people taking advice from a consumer website (this one?) and strongly advise against it as the people who have ended up paying more in the long run

 

I'm new to all this,so just want to be sure I'm doing the right thing before ignoring their letters...reading threads on here though seems to suggest that it's the way to go,are they just scare tactics on the rlp Site?

 

Thanks again for the help I really appreciate it

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Listen to the advice on here and you won't go wrong, look for my post I have put the letters on that I received from RLP that will give you some idea what to expect. Keep all the letters together the DCA will be around in about 9/10 months. When the time comes just write the one liner to RLP.

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@renegadeimp...as mentioned their site suggests that they can get bailiffs involved for non payment..is this wrong?

 

Completely 100% wrong. bailiffs will NEVER be involved. Ever.

 

Forget about what jackies website says. Even in court she was railed by a judge. She then went on her site and said the judge was completely wrong. That just shows what kind of mentality she has.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Renegadeimp,thanks so much...really can't believe that these people can use tactics like this! Thank goodness for sites like this :-) I've done some more reading on here of some ofvthe threads regarding rlp and I am definitely going to take the advice from here...I will update as and when I receive any letters...thanks again :-)

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Hi

Just to be absolutely clear, the only way a bailiff could get involved is if Tesco took you to court. They won't as it is not in their interest to do so.

 

RLP cannot take court action independently of Tesco.

 

After a retailer and RLP got a massivbe slapping in a fully defended claim at Oxford court, we have heard of no other cases being taken. In fact, if you were to visit the RLP website, the last case listed there is July 2012.

 

These letters are staying just this side of harassment (IMO) as they don't state what 'WILL' happen, only ambiguous statements containing 'may', 'could' 'might' and 'recommend'.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If you do post any letters always remember to remove any personal details. Certain people do look at these sort of sites

 

Thank you for the heads up,I'll be sure to remove any details before posting :-)

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Hi

Just to be absolutely clear, the only way a bailiff could get involved is if Tesco took you to court. They won't as it is not in their interest to do so.

 

RLP cannot take court action independently of Tesco.

 

After a retailer and RLP got a massivbe slapping in a fully defended claim at Oxford court, we have heard of no other cases being taken. In fact, if you were to visit the RLP website, the last case listed there is July 2012.

 

These letters are staying just this side of harassment (IMO) as they don't state what 'WILL' happen, only ambiguous statements containing 'may', 'could' 'might' and 'recommend'.

 

I did in fact notice that their successful cases were no more recent than 2012 now I see why!...so I am correct in thinking that I need to completely ignore any letters they send regardless of how threatening they seem? How long roughly does it take for them to give up trying to make you pay? From what I can gather reading here,around 6 months is the usual timescale?

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Tesco won't do it which is why they pass these civil recovery claims to RLP to do the chasing for them in the hope some mug pays up.

 

All that will happen is that you will get a few letters from RLP who then pass it on to their 'specialist' debt recovery practice :lol:

 

They send you a few more begging letters followed by one where they will say that they will recommend to their client that they take action.

 

Now remember, the DCA is acting on behalf of their client who is RLP. RLP cannot take independent action so after all the stress, what will happen......

 

Bu**er all :-D

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Thank you silverfox, I just wanted to be clear that I won't cause myself any more trouble by ignoring the letters from rlp...I will certainly be taking all the advice I've been given here as I said earlier and can't express how thankful I am for everybody's kindness,I feel much much better about the whole thing now

I will continue to update you all...thank you once again

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On the first letter send the one liner just to cover yourself. Then when the DCA get involved you have covered yourself. Mine as been going on since March last year to give you some idea. Now the DCA have taken over but there is a letter you can send them as well so no worries there.

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Hi pawsforthought...is it best to reply to their first letter with the one liner then as opposed to ignoring it all together? I take it they don't give up too easily then going off your experience!

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Hello all,sorry to be a pain but I'm now sitting here with the thought going through my mind of the days events,I think the reality of what happened is now hitting me and I'm plaguing my mind with the thought of will all of the staff know about this? Thing is,my friends relative works in there and obviously I don't want the shame of people knowing about this...will Tesco tell all their staff about people they have banned or is it just the security people that know the details of this? I'm upset aswell as I know how it looks but I honestly did make a mistake and just feel mortified by the whole thing now :-( sorry to go on...

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I doubt they have a "Wanted Dead or Alive" wall, it will just be their security meat heads. I had a similar experience with Asda, forgot to take shopping bags from car and grabbed one of the green plastic baskets and went about my shopping. Paid for items and put shopping back in basket and headed out towards my car. Upon leaving exit alarm thingy went off and i continued on towards my car, next min two meat heads were all over me and one grabbed me by the shoulder. I was 10 foot from my car and knew i had paid for everything in the basket and it was the security strip on the plastic basket that had set the alarm. Told the security guy to remove his hand from my shoulder and told him that once i had placed my shopping in my car they could take the basket and stick it where the sun never shines.

 

Awful experience you have had and it is so easily done especially with kids. If i was you id shop at Sainsburys as they are better and just as cheap/expensive.

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Hello all,sorry to be a pain but I'm now sitting here with the thought going through my mind of the days events,I think the reality of what happened is now hitting me and I'm plaguing my mind with the thought of will all of the staff know about this? Thing is,my friends relative works in there and obviously I don't want the shame of people knowing about this...will Tesco tell all their staff about people they have banned or is it just the security people that know the details of this? I'm upset aswell as I know how it looks but I honestly did make a mistake and just feel mortified by the whole thing now :-( sorry to go on...

 

The matter will be finished with as far as Tesco are concerned. Some stores have a wall of shame but this is not widespread - and depending on who has access to that area it would also be a breach of data protection laws. Similarly, details of who has been stopped are not routinely shared around amongst staff

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Personality I would send the one liner after you receive the first letter that way you have covered yourself and don't have anymore involvement with them. Keep your head up and be strong don't let it get you down.

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