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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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Just received my second ESA50 - worried now


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I was on Incapacity Benefit at one time and years ago was sent an ESA50. I filled it in, sent it back, and was granted ESA WRAG, and never had a WCA.

 

Now another ESA50 has arrived, and now I'm thinking they're going to haul me before a WCA this time. I'm also afraid that this means that my ESA has already stopped. Is this so?

 

BTW, should I take my time in sending it back, or send it back as soon as I can? Should it also be Special Delivery?

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It is perfectly normal for them to send another ESA50, and you could well end up having a WCA, it's impossible to guess who will or won't but they are gradually increasing the number of claimants who are seen.

 

Your ESA will not stop unless you either fail to return the form or fail the WCA. It should say on the accompanying letter when the ESA50 needs to be returned by, it's usually 4 weeks. Proof of posting (free from the post office) is adequate.

 

There's plenty of advice online on how to best complete the form, but if you have specific questions, come back and ask.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 2 weeks later...

Thank you. I have two questions:

 

1. I told them I suffered from anxiety and paranoia, but in the grey pages, the question on "meeting new people", I said I didn't feel too anxious. I only hope they don't question this, as most of the time I don't feel too anxious in social situations, it's only later that problems may arise.

 

2. When I filled out the first ESA50 years ago, I had no problems with urinating unaided. But now, I have to use intermittent urinary catheters to do so, and I never told them about that in the meantime. Am I going to get into trouble over that?

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You are best keeping what you say as consistent as possible, the 2nd point this maybe a worsening of the condition , It wouldn't hurt to be able to back this up with some evidence from those who are treating you, ie Doctors or specialists in the form of their reports, it may be that you may now meet the criteria for the SG hence the requirement of evidence if available

 

8. Absence or loss of control whilst conscious leading to extensive evacuation of the bowel and/or bladder, other than enuresis (bed-wetting), despite the wearing or use of any aids or adaptations which are normally, or could reasonably be, worn or used.

At least once a week experiences

(i) loss of control leading to extensive evacuation of the bowel and/or voiding of the bladder; or

(ii) substantial leakage of the contents of a collecting device;

sufficient to require cleaning and a change in clothing.

is the relevant descriptor /criteria for the support group
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Yes, Have you not got any sellotape or glue to re seal it?

the more consistent it is,

the less chance of them calling you in for a F2F farce,

Which are always better avoided if at all possible,

 

 

As their real purpose is to to find as many Fit for work as possible

( probably the underlying purpose for sending ESA50's out in the fist place ) as they will compare what you say between this and your previous one, looking for inconsistencies and other reasons that justify referring you for a F2F WCA

 

Should they ask you to attend a F2F farce (WCA) Make sure to request that it is audio recorded, you with a letter from your GP or any other HCP who cares for you like a nurse, you may be able to get a WCA in your home (Home visit) or travel to and from by Taxi,

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But I already ticked the box that said I had no problems with that, so if I cross it out and change my answer entirely, they'll think my story is muddled or inconsistent anyway.

 

If other people filling in the form make mistakes like that, then I'll happily correct it and elaborate.

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Do you remember or have a copy of your previous ESA50?

if your answers are the same then fine,

if they aren't then they may question why,

 

 

as for ticking the wrong box that could be a innocent mistake we are all human after all ,its upto you, / your choice,

but if in doubt, ring the CAB or Welfare rights and see if they can help you

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No, but I photographed the ESA50 this time after I filled it in. In any case, I'm sure the form has changed from the old one I filled in.

 

In that case, I'll put it down to an innocent mistake. I don't really want to start crossing things out or reopening and resealing envelopes, because then they'll know there's something fishy. In any case, I'm not usually anxious of meeting new people, strangers. It's afterwards when the problems start.

 

I've just reopened the envelope anyway because it turns out the photos I took are useless, so I'm going to have to scan them in to the computer instead.

 

Will they even accept the ESA50 if they see that the envelope is torn and has been resealed? Can I somehow get a replacement?

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just seal it with sellotape not a problem

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

 

There is nothing to say that you have to send it back in their envelope especially if the form and your evidence wont fit

 

 

just use you own envelope and just put the address details from original envelope on it

 

 

I sent it back Recorded or Special Delivery so you have a receipt and can track it (just me don't trust DWP for losing things).

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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I'm about to send it off now, I've made scans of the pages I wrote in, and that should be it. If I find any corroborating evidence (medical reports) then I will send it later, as the CAB has told me I can do.

 

Just come back from sending it off, used original opened envelope (mainly because the ESA50 requires it) and send it Recorded Delivery.

 

So when can I expect a response? And will my current ESA rate still be paid in the meantime?

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Not sure how long before they respond, but yes you will continue to be paid at the same rate until the next WCA has been processed and the DWP has made their decision to either continue paying you at the same or higher/lower rate, if they move you from one of the 2 groups to the other, or cease paying you in the event you do not score enough points and are deemed to be FFW

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I seriously think I will be found fit for work. If so, can I choose JSA or will I be forced onto UC? It seems JSA is the lesser of two evils.
If you do happen to be FFW at your WCA , Then if you are intending to appeal the decision you can claim JSA until your MR mandatory reconsideration has been processed should the decision not be revised , You can whilst claiming JSA get a relaxed CC as they are aware of the situation with ESA claimants being FFW and appealing those decisions
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Thank you, Tommy.

 

I've just been reading up on the horrors of benefit sanctions this evening, and that has not helped my mental state much at all. I know I should only cross that bridge when I come to it, but I always tend to look at the worst possible scenarios, as anything else can only be better.

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don't - all you are doing is looking for the worst cases and panicking.

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, Tommy.

 

I've just been reading up on the horrors of benefit sanctions this evening, and that has not helped my mental state much at all. I know I should only cross that bridge when I come to it, but I always tend to look at the worst possible scenarios, as anything else can only be better.

Hopefully they will of sorted out the MR within the 1st month to 6 weeks of your request being received, So the JCP won't have ramped up things enough in that short amount of time for you to be getting sanctioned ,
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don't - all you are doing is looking for the worst cases and panicking.

 

You're right, I was so focused on the actual "risking losing benefits" side of things, that it never occurred to me that I should try to find a way of not needing them at all (which is, after all, what UK GOV would prefer), by improving my employment prospects and getting a job, or finding other ways to make money. There are plenty of opportunities out there!

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UPDATE: I don't know if I've mentioned it already, but I filled in and sent back the ESA50 on the 20th of March, when the deadline date was 4th of April. Now I'm not sure if they'll look at my form early because I sent it back early, but I'm expecting it for sure some time after the 4th of April.

 

HOWEVER, from the 12th to perhaps the 20th of April, I am housesitting for my sister when they go away for Easter, and they live outside of Bristol, whereas I live in Cardiff. So I'm going to be away from home during that time, but I am concerned if a letter arrives while I'm away for an appointment scheduled for that time period, that I will miss it and get into trouble. I can only think of calling my landlord every day and seeing if the letter has arrived and have him read it out to me, but I hear there's a number I can call to reschedule the appointment - maybe that would help?

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A couple of points.

 

You could advise DWP you will be away from your home for a week.

 

BUT it does beg the question that if you are fit enough to move from Cardiff to Bristol for a short period, whether you really are not fit for work, as any Doctors notes are stating. You mention housesitting for your Sister, rather than needing a break, staying temporarily with family near Bristol. Now your health might not cause this to be an issue, but DWP staff might nof view it that way.

 

I have read that it can be a few months between sending this form to DWP and the assessment. You would have to be very unlucky for assessment to be scheduled the week you are away. You should get a few weeks notice of the assessment and if the date is when you will be away, you could phone the assessment company to reschedule.

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I may have compounded the error myself by stating in the ESA50 that I would not be available for potential WCA in April due to "family obligations". Will that hinder my case?

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I may have compounded the error myself by stating in the ESA50 that I would not be available for potential WCA in April due to "family obligations". Will that hinder my case?

 

They might question family obligations. If they ask say that you are staying with family for a week.

 

If you say you are house sitting for family 50 miles away, then both DWP and their assessment provider will ask questions as to your health is allowing this.

We could do with some help from you.

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Well, if there is a WCA interview, then I'll just have to keep my wits about me. That's why I said the former and not the latter (Post #23) because then I would be causing problems for myself. Even though I probably already am. Then again, nothing might happen except staying on ESA, but I'm sure the DWP will be interrogative.

 

EDIT: BTW, by housesitting, I'm not cleaning the house from top to bottom, just feeding the pets.

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If you say you are house sitting for family 50 miles away, then both DWP and their assessment provider will ask questions as to your health is allowing this.

 

My only physical health problems are an overweight belly, bad knees and needing catheters to urinate. It's the mental health problems like anxiety and paranoia that make up the rest of my ailments.

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