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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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Lowells/BW claimform - Littlewoods Cat 'debt


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Hi

I need someone with the expertise for help.

 

I had an account with Littlewoods everything was fine but due to my partner

and myself in and out of work I found it difficult to keep up with the repayments.

 

Littlewoods then passed it onto Lowells and being new to all this

I agreed to make payments to Lowells but I cannot and did not keep up with their demands.

 

Today I have received a LETTER OF CLAIM from bwlegal demanding I pay £180.00 by 15.1.15,

if I don't then they intend to issue a claim against me in the County Court.

 

I have every intention of paying this debt but cannot afford what they are demanding.

 

 

Can someone please help me and advise my next step- I am at my wits end.

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Welcome to CAG,

 

Let me be the first to say please relax, Lowells is a DCA meaning they can't send Bailiffs, there all bark and no bite.

 

Contact Littlewoods not Lowells with this letter.

 

Your address

 

 

There address

 

 

Date

 

 

Dear Sir/Madam

 

 

Account No: (Put your Littlewoods Account Number Here)

 

I am writing to inform you that I am seeking advice and assistance regarding my current financial difficulties.

 

To this end, I would appreciate it if you could hold action on the above account for a period of at least 30 days.

 

Also, during this period, could you please freeze interest and/or any other charges accruing on the above account.

 

I will contact you again with further details of my financial situation and my proposals for repaying my creditors as soon as possible.

 

 

I look forward to hearing from you.

 

Yours faithfully

 

Name Printed

 

 

Only sign if you've signed something before for them or it's not needed. This letter can give you some breathing space. So you can either come up with the money. Only pay what you owe, Do not pay any of Lowells charges or interest.

 

Also check your statements for any "£12" charges, if you have any you can claim them back. we will run you through how if needed.

 

If you can't come up with the money, you'll need to do a budget sheet and give token payments of £1 until you can.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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if the debts been sold

little point in pulling littlewoods string.

 

 

how old is this debt?

 

 

is this on your credit file?

 

 

how much of the debt is £12 ENALTY fees from littlewoods

and have your their PPI too?

 

 

cat debt are VERY low priority.

£1PCM at best

 

 

have you ever sent lowells a CCA request?

 

 

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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Thank you both for your replies.

 

In reply to Dx100uk:

 

how old is this debt? 2010

 

is this on your credit file? Yes

 

how much of the debt is £12 ENALTY fees from littlewoods None though on the letter of claim there is an estimate interest charge of £43

and have your their PPIlink3.gif too? No

have you ever sent lowells a CCA Request - No

 

So would my first steps be to cca Lowells and write to bcleagal and say that I am disputing this?

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just send the cca request

bw are lowells.

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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yes

 

 

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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  • 2 weeks later...

Hi

 

 

I sent a cca letter to Lowells and I also sent a letter to bw legal stating my financial situation and offering a payment, but they have just ignored me as I have today received a court claim.

 

 

I now need to log on to moneyclaim and respond - Please help

 

 

I am now worried I will end up with a ccj

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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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fill the link in please

 

 

 

 

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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Name of the Claimant Lowell

 

Date of issue – . 15 Jan 2015

( disputed and evidence given to the court within the time period given)

 

What is the claim for –

 

The Claimant's claim is for the sum of 263.54 being monies due from the defendant to the claimant under a financial service.

Dated on or about 15/07/2010 and assigned to the claimant on 26/01/2012

PARTTICULARS a/c no ...........

Date Item Value

26/01/2012 Default Balance £188.54

What is the value of the claim? £263.54

Is the claim for a current or credit/loan account or mobile phone account? Catalogue

When did you enter into the original agreement before or after 2007? After

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Lowell DCAlink3.gif

Were you aware the account had been assigned – did you receive a Notice of Assignment? NO

Did you receive a Default Notice from the original creditor? yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? Change of circumstances

What was the date of your last payment? Mid 2013

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan? No

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have you ack'd the claim on MCOL?

 

 

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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defend all

leave juris untick

 

 

 

 

USE THE MCOL WEBSITE

 

 

create a user

then log in

 

 

click a claim against me

 

 

enter the required details from the claimform

 

 

you don't need to post anything

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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Hi dx

 

Thanks for the advice

 

bit of bad news

 

when i went onto moneyclaim.gov i signed in i had noticed mt partner had already gone ahead and filled in the defence and offered them £47.00 instead of the original offer of £4.70 i had offered them by post .... !!! ANNOYING !!! is a understatment

 

help ! so can i rettract and edit the defense that my partners had input unaware of what they are doing.

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you don't need to file a defence for a month yet!

 

 

not sure

 

 

have you tried to undo it or change it to blank.

 

 

never had this before '''opps!!

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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Hi Dx

 

yes i have stressed that to my partner!

 

i have tried to amend the document but there is no options to change the text looks fully submitted ....

 

What i can do for now is fill the postal claim and give the court a call in the morning saying i have made a huge mistake and see if i can retract the document and start again

 

Thanks

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I've asked for andy to pop in.

 

 

you might be able to phone notts and get the mcol claim entries reset

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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Have you defended in full ? what defence has been submitted ? There is no provision to make an offer if you defending in full...unless you have made a partial admittance?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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Have you defended in full ? what defence has been submitted ? Their is no provision to make an offer if you defending in full...unless you have made a partial admittance?

 

Thanks for your prompt reply Andy

 

I think what has happened is during the confusion we have ticked the partial admittance as we have already sent an offer of reduced payments a couple of weeks ago to bw but they did not reply. It is only now that i realise that bw mayben ot who i owe but littlewoods - I feel that I have made a total mistake and do n't know which way to turn now.

 

Wou ld ibe able to ring the court and explain my error and ask if I can amend? :???:

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As the claim was only issued 5 days ago...you still have your 28 days if defending in full...ring MCOL Northampton and explain that you would like to retract your plea and change it to defend in full. MCOL will advise.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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As the claim was only issued 5 days ago...you still have your 28 days if defending in full...ring MCOL Northampton and explain that you would like to retract your plea and change it to defend in full. MCOL will advise.

 

Andy

 

Thanks Andy

 

Rang the court and an agent w ill get back to me in the next 24hrs.

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