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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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Secured Picture Loan who sold it to Webb who sold to Idem - Repossesion hearing


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So 10 months of missed payments is £3,400 ? and the remainder of the £10,000 they are claiming is charges ? Do you have an up to date mortgage statement showing these charges ?

 

We can help you to submit a defence to the court

 

I know some of the charges are very spurious like 2 for the same day and one for a visit which we never had but still Idem charged for

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OK, when you get the statement we can get to work on the court papers

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Just been checking my laptop and do have PDF's with all a breakdown of all payments and charges .

 

 

Also apologies I miscalculated and this loan was bought by Idem Jan 2014

so missed payments will be going back till then.

 

 

You can see by the PDF's I post up

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  • 3 weeks later...

here are the latest statement from Idem

 

goes back to when Picture had it back in 2007.

 

I can see at the end they have reimbursed some charges and the supposed visit which never took place but FOS was involved then.

 

I had a call from them to say they were not opting for repossession

but wanted a fixed payment schedule in place.

 

They have not responded to my offer of payment which I sent in writing beginning of Feb.

 

how can I offer a repayment if I dispute the interest/charges and would ask a judge to hold all interest for the term of the loan ?

 

Sorry missed off page 1 & 2

 

Please let me know if you are unable to view these attachments

statements.pdf

Edited by dx100uk
docs merged to one file + page 1 redacted properly
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if you can click on them and see them

we can

however

as advised

i'll put them all in one document for ease

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, a judge will not be able to tell Idem to hold the interest for the term of the loan

as they cannot change the terms and conditions of your loan agreement,

 

 

they can only decide whether you can afford to pay the monthly payment and something towards the arrears each month.

 

 

In your statement for court you can state that they have taken their charges from the monthly payments you have made, thus keeping you in arrears.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi, a judge will not be able to tell Idem to hold the interest for the term of the loan

as they cannot change the terms and conditions of your loan agreement,

 

they can only decide whether you can afford to pay the monthly payment and something towards the arrears each month.

 

In your statement for court you can state that they have taken their charges from the monthly payments you have made, thus keeping you in arrears.

 

Hi Ell-enn.

Thanks for that at least if gives me something to come back with.

 

 

Can you help me draft a statement.

 

In the meantime is it worth sending another letter with payment proposals to see if Idem will accept ?

 

 

I wanted to argue to the judge that the arrears were excessive

 

 

and I had asked Idem to hold interest while I tried to catch up !

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OK, I am at work at the moment but will take a look as soon as I can. Did you send them a letter offering payment ?

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OK, I am at work at the moment but will take a look as soon as I can. Did you send them a letter offering payment ?

 

Yes I offered contractual plus £50

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Do you have a copy of the letter ?

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Do you have a copy of the letter ?

 

Yes I do and it was posted on the 4th Feb but received no reply. I have a second letter ready to go with proposal for payment plus the arrears I have added that they have not responded to the first letter.

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Hi, can you post up what you have put in the letter please.

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Hi, can you post up what you have put in the letter please.

 

Dear Sir/Madam.

Please find this letter in relation to your letters dated 25th January in which you state that you welcome the opportunity to discuss any problems in an effort to resolve this in another way.

I welcome this approach and am now in a better financial position to be able to offer paying the amount of £340 each month plus £40 towards he arrears but ask the following to be able to reduce the balance and pay off the loan within a shorter timescale :

All interest to be frozen or held for the length of the loan

Removal or reduction of current arrears to bring the loan back to original balance.

Please let me know if this is acceptable as I wish to start this procedure with immediate effect and avoid unnecessary court visit with court costs

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Hi, can you post up what you have put in the letter please.

 

My second letter is referring to this offer and no response received which I will show to the court

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OK, but you should be aware they will not remove the arrears as they are missed contractual payments, the best you can ask for is that they accept payments towards the arrears in addition to your normal monthly payment. I can draft you a letter if you wish.

 

However, remembering that the court hearing is on 7th March the likelihood of them getting the letter and responding before the hearing is pretty slim. I think you should get the statement done and handed in to the court this week, then if they do respond to the letter in time you can take a copy along to the hearing.

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OK, but you should be aware they will not remove the arrears as they are missed contractual payments, the best you can ask for is that they accept payments towards the arrears in addition to your normal monthly payment. I can draft you a letter if you wish.

 

However, remembering that the court hearing is on 7th March the likelihood of them getting the letter and responding before the hearing is pretty slim. I think you should get the statement done and handed in to the court this week, then if they do respond to the letter in time you can take a copy along to the hearing.

 

Hi Ell-enn a draft letter would be fantastic and if you could assist with the statement that would be appreciated.

 

Thanks

JJ

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OK, will post up a letter shortly. In the meantime can you please complete the affixed budget sheet (it calculates as you fill it in), let me know when you have done it. You need to send the letter and budget sheet by special delivery tomorrow (signed for) so they get it on Thursday.

 

I should have some time in the morning to draft a statement for the court - will you be able to hand deliver it tomorrow or Thursday latest ?

 

Is the mortgage only in your name?

Budget Sheet.xls

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OK, will post up a letter shortly. In the meantime can you please complete the affixed budget sheet (it calculates as you fill it in), let me know when you have done it. You need to send the letter and budget sheet by special delivery tomorrow (signed for) so they get it on Thursday.

 

I should have some time in the morning to draft a statement for the court - will you be able to hand deliver it tomorrow or Thursday latest ?

 

Is the mortgage only in your name?

 

Hi Ell-enn . I can have the budget sheet completed tomorrow . Yes not a problem to hand in draft statement tomorrow

Thanks

JJ

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Is the mortgage in your name only, or joint names ?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Is the mortgage in your name only, or joint names ?

 

Its in joint names but my wife and I are separated and we no longer reside toghether

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OK, affixed is the letter you need to send today - when you print it out make sure the printer is set for A4 paper(not letter size) ensure the text all stays on one page - send it by special delivery 1pm tomorrow (around £5, I think). A few days after posting check on the royalmail website to print off the proof of delivery - keep that safe with a copy of the letter and budget sheet.

 

Have you done the budget sheet ? I'm happy to look it over if you need me to.

JJ69 letter.doc

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JJ are you still on line ??

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JJ are you still on line ??

 

Sorry Ell-enn been on some remote sites today with no network access. I have done the I&E so happy with that and many thanks for the letter it will be posted in the next hour

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How much did you show as being left over in Step 5 on the budget sheet ?

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