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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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NHS Prescription charges - penalty charge notice


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I have received a letter saying that I have incorrectly claimed for a free prescription. I have type 1 diabetes and I have never had any issues in the past. Will I have to pay this charge? Apparently according to NHS there is no challenge that I can undertake.

 

This seems very harsh!!!!

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Hi Stu

 

Welcome to CAG

 

Could you provide further details? You have 1 Diabetes what precludes you from receiving this free prescription?

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I have had type 1 diabetes since 1988. I have been told that my medical exemption certificate has expired (I did not know that this was the case I have not been sent any reminders and to my knowledge I have never renewed it since I was diagnosed). I cannot find it anywhere in the house (I have moved house twice since being diagnosed so it could be anywhere)!!!

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Hi Stu

 

In 1988 the rules were probably different where there was an automatic exemption from precsription. Somewhere along the line it's changed where you had to apply every 5 years and they send you an auto renewal form. Again, I couldn't tell you how long 'the every 5 years' renewal has been running. I don't think you can appeal and it is 'very unfair'.

 

You could consider contacting your MP, see if they can intervene. A similar situation tp yours:-

 

http://www.diabetes.co.uk/forum/threads/prescription-fine.68038/#post-688437

 

I

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Thanks.

 

Looks like I need to get in touch with my MP to see it they can help?

 

At the same time I'd reply to the letter, explaining the circumstances etc. Worked for this person (admittedly in 2012)

http://www.diabetes.co.uk/forum/threads/medical-exemption-certificate-fine.30917/

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  • 2 weeks later...

Looks like the NHS is getting more proactive in preventing fraud, which is rife and costs the NHS Millions of pounds, like you I have a genuine illness which gives me the right to have a medical exemption card, this card has an expiry date on it and so did the three that I had before. Its stupid really as like you I have an illness that I will always have and will have to take the meds for the rest of my life.

 

 

The fraud investigations will pick up people like yourself who have a genuine right to free prescriptions but have not produced the correct documentation , you might call it harsh but the only alternative is to let the thieves get away with it with the end result being the NHS runs out of money and the likes of you and I having to pay for all prescriptions.

 

 

Your GP will have the form and will sign and hopefully you will get the same outcome as the poster on the other forum.

 

 

When you do get your card which is the same size as a credit card it will have a expiry date on I would suggest you keep it safe and always produce it, that way they will leave you alone and can concentrate on real fraudsters

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  • 1 month later...

There must be something going on in the NHS, because we are in exactly the same situation.

 

My wife has been Type 1 Diabetic for in excess of 15 years and has had free prescriptions the whole time. Just like Stu47803 we've suddenly received not one but two demands for a total of over £200 in fines and prescription fees. Until these appeared, we were unaware that the medical exemption could expire.

 

We sent off a new application form, signed by her doctor on Friday last week.

 

Whilst strictly speaking, they are correct (I assume!) that the exemption certificate has probably expired, we have had no reminders or anything...and obviously my wife has been diabetic and therefore entitled to free prescriptions the whole time(!)

 

Do you think it would be worth contacting them to say this?

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  • 3 weeks later...

for the past 13 years i have been on tax credits and when i first started on tax credits i received a card stating i didnt have to pay for prescriptions. i started work in january this year so i paid for a pre payment certificate as i believed i would no longer be entitled to free prescriptions. today i have received a penalty charge notice for the amount of £8.05 plus a penalty charge of £40.25 for a prescription i received in november 2014? it states i was not entitled to a tax credit exemption... after going on the tax credits website today it states i should of received another card every year but i never have so therefore i think i should of always been paying for them?.. i get between 1 to sometimes 5 items in a week and have done for years. im so worried now and scared i dont know whats going to happen, i never did this purposely and i never received a letter saying i wasnt entitled to them. i have paid the charge notice this evening but what happens now. i dont understand why it says november 2014 when i have received prescriptions after that..

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Sorry to continue the hijack of this thread, but...I'm going to :wink:

 

I wrote to the PECS people as soon as my wife's new exemption certificate arrived, explaining that although the original certificate may well have expired she was still entitled to free prescriptions due to having a qualifying condition. I asked them to waive the charges based on this.

 

I've just go a reply, which is basically a one-liner saying "we've considered the information you provided but you must still pay the charges". The rest is just blurb about how to pay.

 

And to add insult to injury, the first charge has now passed it's early repayment date and has clocked up an additional £50, making the grand total £270. The letter telling us that the additional £50 is due is dated a mere 2 days before the one refusing our "appeal".

 

I've a mind to pay the second charge before it gets to it's early repayment date (this Thursday), but write back and complain about the additional £50 on the first charge and see if they will waive it, since we were waiting for their reply. What do you guys think?

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for the past 13 years i have been on tax credits and when i first started on tax credits i received a card stating i didnt have to pay for prescriptions. i started work in january this year so i paid for a pre payment certificate as i believed i would no longer be entitled to free prescriptions. today i have received a penalty charge notice for the amount of £8.05 plus a penalty charge of £40.25 for a prescription i received in november 2014? it states i was not entitled to a tax credit exemption... after going on the tax credits website today it states i should of received another card every year but i never have so therefore i think i should of always been paying for them?.. i get between 1 to sometimes 5 items in a week and have done for years. im so worried now and scared i dont know whats going to happen, i never did this purposely and i never received a letter saying i wasnt entitled to them. i have paid the charge notice this evening but what happens now. i dont understand why it says november 2014 when i have received prescriptions after that..

 

I assume from this that you've been ticking box F on the back of the prescriptions that says "has a valid prescription pre-payment certificate" since January, and not box M "is entitled to, or is named on, a valid NHS Tax Credit Exemption Certificate"?

 

If you're sure you haven't, then why pay the charge? You should challenge them on it.

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Sorry to continue the hijack of this thread, but...I'm going to :wink:

 

I wrote to the PECS people as soon as my wife's new exemption certificate arrived, explaining that although the original certificate may well have expired she was still entitled to free prescriptions due to having a qualifying condition. I asked them to waive the charges based on this.

 

I've just go a reply, which is basically a one-liner saying "we've considered the information you provided but you must still pay the charges". The rest is just blurb about how to pay.

 

And to add insult to injury, the first charge has now passed it's early repayment date and has clocked up an additional £50, making the grand total £270. The letter telling us that the additional £50 is due is dated a mere 2 days before the one refusing our "appeal".

 

I've a mind to pay the second charge before it gets to it's early repayment date (this Thursday), but write back and complain about the additional £50 on the first charge and see if they will waive it, since we were waiting for their reply. What do you guys think?

can i ask did you receive just the 1 letter or 2 seperate letters?
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I ticked box m up until i paid for the pre payment this january as i thought i was entitled to it. I cant understand why if i wasnt that i have received the letter for only 1 prescription from november

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I ticked box m up until i paid for the pre payment this january as i thought i was entitled to it. I cant understand why if i wasnt that i have received the letter for only 1 prescription from november

 

So you're sure you haven't accidentally ticked it since then, and have been ticking box F instead on every prescription?

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OK, so if you have a valid pre-payment certificate (I assume you purchased a 12-month one and not a 3-month one, correct?) and have correctly filled in the declaration on the back of the prescription itself, I'm struggling to see why they've sent the charge notice. And to be honest, I'm not sure why you've paid it.

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Surely they would charge me for every prescription in november plus december? And what about the previous years? Im do sorry to bombard you all, im just so scared, worried and dont know what to do

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They have sent it stating i was never entitled to receive tax credit free prescriptions although i received a card when i first went on tax credits i didnt know i should receive a new one each year, so thats making it look like ive got free prescriptions for approx 12 years and i shouldnt of. I got the pre payment 12mth one this january when i started work.

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Hang on, let's try to be clear here. The charge notice should say something like "...because you or your representative declared that you did not have to pay for the following reason: ....". What reason does it give?

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One of our checks showed that you received a prescription free of charge during november 2014, because you declared you did not have to pay for the following reason: you were entitled to or named on a valid nhs tax exemption certificate. As we could not find evidence of this you now need to take action

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