Jump to content


  • Tweets

  • Posts

    • thanks all for your great advices and helps so far.   After self-report the event and telling all the truth to my employer, I am now on suspension pending the investigation. I was given the impression that dismissal without notice is very likely.   If this happens, my right to live in the uk will be immediately revoked so I might not be able to stay until court date.   Does anybody know TFL prosecutions team's direct contact number so I can discuss with them how to close the case if I have to leave the UK..   thanks in advance
    • Would it be easier to tell them that you have a protected characteristic if one's been diagnosed and tell them which adjustments you need?   Could someone speak on your behalf if you authorise them to speak to the bank when you're together?   HB
    • Make sure that you track the return of the item and keep a paper trail of its safe delivery.   In the meantime, register with Moneyclaim and start preparing your claim.  99% they will not respond to your LBA or else they will refuse you so get ready now.
    • Then you need to ask them to explain why they have breached their stated policy for data retention.  Also ask them to commit themselves that they do not use some other data storage service/archive.  If they refuse to confirm then you might then say that you will proceed to a hearing -although could be risky.  You could tell them that if you withdraw the case it will be on the basis that they agree in writing that they have breached their own policy. I'm afraid that I haven't gone through the whole thread or refreshed my memory of it
    • I wonder why their support agent didnt seem to think so... I asked them to escalate my issue so we will see.. maybe its because I couldnt provide a specific transaction/transaction date? Anyway I am sending a letter so hopefully that will work.   This is what I am writing:     Dear Sirs,   Account no: XXXXXXXX Card no: XXXX XXXX XXXX XXXX   Please act upon the following instruction with immediate effect:   I withdraw my authority for all future payments to be debited from the above account/card number by PayPal, including continuous payment authorities (the Payment Services Regulations 2009 apply).   FCA regulation states that “you do have the right to cancel directly with your card issuer. Once you have done this, it must stop payments immediately – it cannot insist that you agree this with the company taking the payment first.”   Please confirm in writing that you have received and actioned this instruction.   Yours faithfully,   XXX XXX
  • Our picks

Mike J 1973

Amex

style="text-align:center;"> Please note that this topic has not had any new posts for the last 227 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

sar get all the statements and everything else

and a CCA request too.

 

 

lets get to the bottom of what is actually going on


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Yesterday I posted CCA & sar requests, I sent them signed for which tells me they haven't been delivered yet, but does show I posted them yesterday.

 

Today I have recieved an email from Amex asking me to contact them to discuss a settlement offer / repayment plan.

 

How should I respond to this email?

 

I got a letter in reply to my formal complaint a couple of weeks ago, in that letter they said the account had been passed to FirstSourceLLP, I have had no contact from them.

 

Today's email appears to have come direct from American Express.

Share this post


Link to post
Share on other sites

let in run.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Should I reply to the email to say I've sent requests and the account is in dispute?

Share this post


Link to post
Share on other sites

they'll soon find out


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I sent the CCA request and SAR to Amex and they were both signed for on the 12th April.

 

Today I get a letter saying they can't supply the SAR as they are unable to establish the identity of the requester. They are asking for a copy of my passport and a utility bill.

 

Should I send the documents?

They happily send bills and letters to me,

also why has it taken them so long to ask for these details?

 

In terms of the CCA, I think their time is up tomorrow, 4th May, should I be chasing it up?

Share this post


Link to post
Share on other sites

have you moved since you took the card out?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Yes I have moved,

 

today I get the reply to the CCA request (with my £1.00 returned, I dont know if that is significant) ,

 

there is probably 50+ pages mainly changes to t&c's

but I have scanned in what I believe is the relevant pages.

 

At the top of the first page there is a reference number that I have written on,

I am assuming I will have been given the reference number and told to write it on but cant remember it is over 10 years ago.

 

Does this appear to be enforceable?

In terms of the SAR, should I send the info they have asked for

Share this post


Link to post
Share on other sites

pop the stuff up into ONE MULTIPAGE PDF please

follow the upload

 

 

as for the SAR

if you go read the clickme link where you got the sar from

it clearly says if you have moved

you need to include a copy of your most recent ctax bill and why.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Ok the CCA should be attached in PDF format, any advice / thoughts would be great.

 

I think the quoted APR is incorrect as I am sure it was 6.9%

the document is from 2006,

the ref number that I have blanked out on the top is in my handwritting so I assume I must have been given the number to write on at some stage.

 

I will send a copy of my passport and a utility bill to get the sar completed that I guess will give me all of the statements and therefore the interest rate.

 

Thanks

Mike

CCA return.pdf

Share this post


Link to post
Share on other sites

please read post 35 with regard to the SAR.

 

 

as for the CCa return

you say the doc is from 2006

what date did you sign the agreement

and that set of T&C's...what date are they from?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I signed the doc on the 31/01/06

 

As well as what I have scanned in I have a document titled 'Credit card Agreement Regulated by th consumer credit act 1974'

 

At the top it has issuer which is filled in next to that it has 'debtor' and 'the cardmember' both are blank and there are no dates. That is a 13 page document.

 

They have also sent a document titled 'your insurance documentation' That's an 18 page document, again no dates.

 

I have a letter dated May 2006 which references changed to T&C's and a notice of variation in accordance with the consumer credit act 1974.

 

I have a number of those changes if T&C's. I can scan this all in if it would help, it all looks very generic.

Share this post


Link to post
Share on other sites

any additional T&C's at as they say important changes

must have your name and address and theirs in the top sentence of each copy.

 

 

gotta admit somethings not sitting right here

as theres noway a big creditor like amex would give a 50% discount

 

 

now on the agreement

I cant see PPI ticked

but you say theres a PPI documentation, I wonder if that's the discount?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

i believe the insurance was to do with cared holder benefits i don think i had any ppi but will check when i get the sar.

 

i have scanned in the next document, you will see there are none of my details on here, i haven't blanked anything out.

 

this is the second part of the second document.

 

Everything else is just periodic changes to T&C's, i can scan those as well if they would help?

CCA 2 Part 1.pdf

CCA 2Part 2.pdf

Share this post


Link to post
Share on other sites

cared?

 

 

don't worry about the T&C's if they've not got YOUR name on them

bogroll

 

 

think you are going to have to await the sar and all the statements.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Sorry should have read Card Holder Benefits, I'm currently holding a baby and doing this with one hand.

 

Are you saying you think the CCA is enforceable?

Share this post


Link to post
Share on other sites

haven't done that in a few years....

 

 

the cca could be ok as such

but i'm more interested in bottoming out this massive discount.

 

 

so at present you've no statements?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Shame about the CCA, I was hoping as it lacked a signature from there side it maybe unenforceable, I only have recent statements, im sending the ID for the sar today. When I get the SAR what should I be looking for?

Share this post


Link to post
Share on other sites

use copy of CTAX bill too as the sar told you in the first place..................

 

their lack of sig does help you no...

 

obv when you get the statements

I bet theres £1000's gone out to PPI [or whatever they call it ] every month in dribs and drabs that you never signed up too.?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I hope you are right but suspect there is no PPI.

If there is not I'll have to go to the DCA and see if they will still go for the 50% over 2 years.

I'll post again once I get the SAR.

Share this post


Link to post
Share on other sites

no you do not deal with any powerless dca

 

 

they ARE NOT BAILLS

AND HAVE

NO SUCH LEGAL POWERS.

 

 

DX


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I have the SAR,

I've gone through my statements and as I thought there is no PPI,

there is about £50 of late payment fees from just before I put the account into a DMP.

The vast majority of the debits are the interest charges as you would expect.

 

Apparently the account is with FirstSourceLLP but they have never contacted me, not really sure what to do.

Amex have not registered a default and the account does not show on my credit file

but I really don't want it being added back on and adding a default.

 

Should I go back to Amex or FirstSourceLLP and see if they will still go with the 50% settlement offer which is about 4K which they had said they would accept over 2 years.

 

 

I'm tempted to offer the 2k paid by the end of the June which I could just scrape together.

Share this post


Link to post
Share on other sites

look at the sar comms/account log

find the old default or default notice date.

then it cant comeback on your file


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

They haven't issued a default. Should I be trying to settle this or be sit till I'm chased??

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...