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    • Hello.  I have Shakespeare Martineau chasing me for a debt at the moment.  I have looked them up and can't find out much about them, has anyone here had experience in dealing with them?   The debt is for electricity from a previous property.  I had a DRO, they asked for a meter reading and I gave one.  They wrote down the wrong number, and didn't write off all the debt.  I have been in touch several times, and even asked for a recording of the call to prove they wrote down the wrong number, but they didn't have it recorded and refused to acknowledge the problem.    Now, it's a couple of years later and I have Shakespeare Martineau chasing me for the full amount.  I'm receiving ESA and waiting to hear from my PIP claim.  I have mental health problems and am also in a deficit each month.  My savings are going down to nothing as my rent is too high, but due to the DRO my options for rental are limited as I have bad credit.   Anyhow, I'm worried that Shakespeare Martineau will take me to court and I'll get another CCJ.  In the past, some debt recovery companies have offered payment plans and reduced settlements.  Do Shakespeare Martineau ever offer this?   I have written to them to complain about their tactics.  They have not taken my mental health condition into account.  They are bullying me asking for full payment or else action will be taken.  They have not taken my limited financial circumstances into account.  They have ignored me when I tell them I do not owe that amount.  Classic bullying tactics... what can I do?   Thanks.
    • Hi Andy  taking this to the court today, do I need to send a copy to the claimant   thanks
    • Hi Andy,   No debt on my credit file for this.    
    • Hi and Welcome to CAG Dave.   Have you checked your Credit files to see if this debt is registered already ?   Andy
    • Hey CAG, I've had a letter from BW legal today claiming that I owe the sum of £182. I had a letter from another DCA about 18 month's ago for the same debt (Instant Cash Lones LTD t/a Pay Day Express). I've never had a payday loan other than from wonga in about 2010 which was paid back in full.  Upon speaking to their telephone advisor they told me the are unable to pass security as the DOB they hold on file is different to the one on the account. I sent them proof of my DOB to prove to them it's not me and they've now updated the DOB on file to mine.  They say I have until the 27th of july to pay up else they'll be taking me to court for a debt that's not mine.  Any idea what I can do here or what my next steps are or should I just pay it to protect my credit file?
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Larry S

Advise required with Amex debt

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Hi there

I've had an Amex card (Amex BA rewards card) for several years.

Back in September 2015 I sent a letter to tell them I had moved house and provided our new address. However I was getting my monthly statements on line by email so did not question whether they had updated my postal address on their records.

In September 2016 I set up a standing order to cover £1000 per month payment but unbeknown to me the instruction failed.

Even though Amex had my phone number and email contact details they did not let me know payments were not being received. Instead they wrote to me at my previous address. What's important here to understand is that up until this point Amex always contacted me via their online messaging system and my overseas mobile (due to the fact we lived overseas and this was an easy and immediate way to reach us). My expectation was therefore always that if Amex needed me urgently this is how they would contact me. Amex claim they never received my letter requesting they change my address.

In January of this year (2017) I received an email from someone claiming to be a debt recovery agent for Amex. I thought it prudent to check with Amex this person was legitimate and also ascertained from Amex direct that they had cancelled my account and referred it to their debt collection agency.

I immediately paid the missing payments and have continued to pay £1000 per month whilst I decide how to move forward.

So my question is this?

Even though Amex have cancelled my account they are continuing to charge interest on the balance each month. Which means that the payment I am making is mostly going to servicing the interest. I want to clear the original amount I owe them but do not think it is fair that I should have to pay interest when my account is cancelled.

Should I talk to the debt collection agent and propose this? Or do I need to take a different approach (Ombudsman?).

All advise greatly appreciated!

Thanks in advance

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Think you will find the account has not been cancelled but access has been suspended/restricted.

You are stil contracted to make either full balance monthly payments or contracted monthly payments plus interest. That will only end if Amex actually physically terminate the account or they agree to suspend interest payments

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