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    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   So, 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. Took 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 assit. 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, shouldnt 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 couldnt afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is mininum they can possbily 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 basically 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, your 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 dissatisifed i was with general customer service and felt they were incompentant, 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 basically 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 strugglling. 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 viscious 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 reccomend (not policy) that if a customer is put onto a payment holiday then they reccomend freezing interest for customer so the debt doesnt 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 appreicated.   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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    • Hi @BankFodder
      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.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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Hi!

 

 

I was living in a two-bedroomed property in the Willenhall area of Walsall that was totally unfit for human habitation - there was no electricity or gas as the previous installations had been thieved and trashed and eventually I had to move out in May last year as I had had enough, and as well as that I was constantly being called into my manager's office with complaints about personal cleanliness, etc., because I could no longer care for myself properly.

 

 

(I no longer work for the firm concerned in that.)

 

 

I sent a letter to Walsall Council advising them I had moved out of this property at the end of May 2015 but received no acknowledgement from them regarding this.

 

 

I have now received a letter demanding £1178.90 by Bristow and Souter who are demanding a repayment arrangement of £107.90 A WEEK on it from 23 March 2016.

 

 

Whilst I am in employment at the moment there is no guarantee of me being kept on when my probation period ends in two months time.

 

 

I thought they were asking £107.90 a month but it's not it's a WEEK.

 

 

Also included on the letter are the usual threats about seizure of goods. committal to prison etc.

 

 

Can the good people on here advise me of the next steps to take please?

 

 

I do have a car but I could park it at a local station a few miles away if needed - it's only worth £450 and I have no other possessions unless B & S want a load of old radio mags and cookery books!

 

 

Many thanks!

 

 

PS!

 

 

It IS possible to get to work on public-transport but I don't want B & S to get their thieving hands on my car as I've been having a great deal of trouble with aggressive beggars in Wolverhampton lately!

Edited by martin2006
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Chris i have moved your thread to the Bailiff Forum in view of Bristow and Souter involvement.

 

Regards

 

Andy

We could do with some help from you.

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If this is council tax, you need to provide the council with evidence that you moved out of the peoperty in May 2015. See what you can find and deal with it urgently.

 

It is the council you need to deal with in regard to the council tax liabilit. B&S are only acting on their instructions.

 

Keep the car away from your house until this is sorted. Keep doors locked and if thet attend, do not open the door to speak to them.

 

If you fail to deal with this, you could face being put in front of Magistrates to asvise why you were not paying. If you moved out and told the council, they should look at what you are liable for.

We could do with some help from you.

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Hi! Would a copy of the Tenancy Agreement for my current place in Telford serve for this? I no longer possess means of entering the derelict property in Willenhall as the locks have been changed.

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PS! I've had another look at B & S's letter and it DOES NOT state what financial year they are trying to enforce on - does this matter? They state "Debt to Walsall Council £868.00, 1st Stage compliance Fee £75.00, total Debt £1178.90, leaving £235.10 not specifically mentioned.

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Hi! Would a copy of the Tenancy Agreement for my current place in Telford serve for this? I no longer possess means of entering the derelict property in Willenhall as the locks have been changed.

 

Best to contact the council to discuss it with them. If they are not helpful, start a formal complaint in writing.

 

If you moved advising the council then you should not be liable. The council should contact the landlord to find out tbe position with the property, if the council don't have information.

 

Do you have any Bank records or anything showing that you stopped paying rent at this property ? If you have Bank statements showing you stopped paying and a tenancy agreement elsewhere, it might be enough. BUT the council may try to say you are liable, until you have your liability cancelled when they confirm your advice you moved out.

 

If you used a letting agent, they will also have records.

 

It is just a case of doing a bit of legwork with the council and to keep going, complaining if you have to.

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

 

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Hi!

 

I do have a car but I could park it at a local station a few miles away if needed - it's only worth £450 and I have no other possessions unless B & S want a load of old radio mags and cookery books!

Many thanks!

 

If the vehicle is not parked at your current property, then it should be safe from seizure. I would not worry unduly anyway given that the low value would prohibit it being taken. You need to take the good advice from Uncluebulgaria and contact the council as soon as possible.

 

PS: The letter that you have is the Notice of Enforcement. As long as a payment arrangement is agreed by the cut off date given on the notice, the bailiff fees will remain at £75 and an enforcement visit will not occur. It is therefore vital that you speak with the council as soon as possible.

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Hi!

 

 

I've re-checked the N.O.E., the Liability Order it refers to is dated 16 July 2015 so presumably it refers to the 2014/2015 Council Tax Year!

 

 

However I only received B & S letter dated 16 March 2016 last Friday the 18th - am I still in time to stay off bailiff visit if I email B & S this morning with a more affordable payment offer of £100/month and are they likely to refuse it?

 

 

I have sent, once again, details of the date I moved out of the un-inhabitable Willenhall property to Walsall Council via their contact form provided on their website - I was unable to access any correspondence at my old address as the locks had been changed - I only found out what the CT A/C No was on the N.O.E.

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I sent B & S an offer of £100.00 a month via the automated system which not surprisingly turned it down, replacing it with a revised offer of £196 over six months and the first payment of £196 on the 27th which I can't afford as my rent and DDs go out on the 1st April and I would be left with not enough to get to work which is 30 miles away!

 

 

It is very likely I'll have to carry on going to work on public transport - attempted repairs to my car have so far proved unsuccessful and I've 13 days of fares to find totalling £175 before my next pay-day on the 15th April.

 

 

Is there any chance of getting B & S to defer the first payment to the 15th April?

 

 

It's not a case of me not wanting to cough this up. much as I hate paying C.T. because I use virtually no Council services as I live alone without children & am in reasonable health, it's that B & S have given far too short a deadline to meet their demands!

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The liability order could be for the 2015/16 period. With CT, they issue the council tax demand in March and if you don't enter into a payment arrangement by about the end of May, they will start the process of looking to enforce the whole years tax.

 

You need to deal with the council to find out what the liability order is in respect of and if it is for a period you were not in the property, you need to ask them what information they need.

 

The reason we give advice about contacting the council, is that enforcement companies act on the instructions of the council. If there is a problem with the CT liability being chased, you have to deal with the council. B&S will just collect what they have been instructed. They might not have full details.

We could do with some help from you.

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AH - That might explain why it's taken 8 months before I heard anything about it!

 

 

Walsall Council have been aware for a long time that this property was in a ruinous condition - I only discovered yesterday that there's a "Class G Exemption" for unfit properties - I didn't know about this or I could have applied for it and possibly had my CT liability totally cancelled - the LL lad constantly refused to carry out the repairs or reinstate the stolen service installations!

 

 

I'll sort out my Tenancy Agreement for where I am now and take it to 'em at Darnall St. in the morning!

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PS!

 

 

Advice is always given here on moving vehicles out of sight of bailiffs, etc., I am in a multi-occupied property with public-parking round the back and the roadside but NO locked garages - can anyone suggest a minimum safe distance away bailiffs not bother looking into from known experience or knowledge of them please?

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PS!

 

 

Advice is always given here on moving vehicles out of sight of bailiffs, etc., I am in a multi-occupied property with public-parking round the back and the roadside but NO locked garages - can anyone suggest a minimum safe distance away bailiffs not bother looking into from known experience or knowledge of them please?

 

I don't think they have access to DVLA, so if your car is not parked in a spot related to your address, they won't know which one, unless they see you driving. Because of the value of tbe car, they are unlikely to be interested, as it needs to enough to cover debt and costs or go substantially towards the debt. But they might clamp, to hold it hostage and embarrass you.

 

When you speak to the council, get them to put enforcement on hold. Once they realise the situation that you describe, they should put a hold on it, so they can look into it.

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

 

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