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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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    • 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.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      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.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Well here you go, according to the Heil, 6 week Lockdown for Engerland (how England football fans pronounce England) more draconian than Dripford in Wales with travel & commuting ban  Dripford will not be outdone so expect him to close all shops in Wales and ban people from leaving the house.

 

They have all mismanaged this from day 1

https://www.dailymail.co.uk/news/article-9065485/Boris-Johnson-warns-No-Deal-likely-plunging-38-million-Tier-3-lockdown-misery.html

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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It isn't realistic to lock all those with underlying conditions and over 70s in their homes for the rest of the year   It would have to be properly organised. We have various family members

I’m currently on day 9 of mild symptoms  Starting about 5 days after My daughter had symptoms and subsequently tested positive.  she’s well over it now.   From my point of view I’ve had far W

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This is from Christina Pagel of Indie Sage.

 

'“The people who’ll get sick and die… are the people who'd be first in line for the vaccine in January.” UCL Clinical Research Director Prof Christina Pagel says we “can’t afford” to relax restrictions further'

 

https://twitter.com/i/status/1339707750419374081

 

Illegitimi non carborundum

 

 

 

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1. Absolutely no doubt that the new variant is more virulent

 

2. Absolutely no doubt that there will be extensive lockdown immediately after Christmas spreading through to March/April

 

3. Likely that Patel will use 'emergency powers' to ban demonstrations (gatherings) against covid restrictions/poverty/losing jobs/homes .. and Brexit .. just be interesting to see if that includes fox hunting and grouse shooting

 

4. Given the aspiration to inoculate only UPTO 25 million people by the end of next year, and the likelihood of further Covid virus mutations and apparently limited resistance duration from the inoculations

- we will be back to needing 3-6x (if 2 per year are needed) that many inoculations (including all those inoculated next year) starting the end of next year

 

5. Given the above - its most likely our world will NOT be returning to anything like normal next year.

 

 

and all that presupposes

1. The unlikely demonstration and application of some level of competence from those in power here

2. No outbreaks of some new pandemic

 

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"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Yes TJ looks grim, meanwhile in Wales with the Essential/None essential trope, hope nothing breaks we won't be able to replace it and Tesco will go all stupid again refusing to sell nappies and Sanitary towels.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Yes but that's how surreal it was last time.  gething was challenged over a kettle breaking, he said boil a pan on the stove, he was then told that isn't an option or safe for elderly or disabled,

 

The feminine hygeine and baby equipment was the most egregious, Tesco in Cardiff reused to sell baby Formula as they had cordoned the aile off, along with nappies. Gething had a roasting and he had to say that he had decided to allow the sale as they were essential to some. he is another self opinionated numpty.

 

https://www.dailymail.co.uk/news/article-8871385/Welsh-ministers-flounder-try-defend-new-shopping-rules.html

 

https://www.itv.com/news/wales/2020-10-25/welsh-government-to-review-clarity-of-non-essential-item-ban-in-supermarkets

 

We are expecting similar Muppetry on the 28th December with stores unable to sell the Christmas surplus stuff  off cheap, as non essential.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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So, Can anyone explain to me why:

 

* The new virus variant (see earlier posts re more virulent strains in USA) was spreading in the South while London, despite higher infection rates, was left in a lower tier and people continue to travel in and out of London

 

* Kids are still at school - apart from mainly southern private schools who send their rich kids home across the country when infections are found

 

* You can't see your local family at Christmas who are all in the same 10 mile radius, let alone some from the next county - to supposedly prevent the spread of infection, but delivery drivers can travel around the country without any tests whatsoever and your kids have to go and mix in schools in full class sizes

 

 

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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https://www.independent.co.uk/news/uk/home-news/traffic-tier-4-london-south-east-b1776612.html

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Is it too cynical of me to think Boris left this so late so people would all crowd to the shops and spend money getting ready for a family Christmas which was never going to happen?

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It's cynical but possibly not too cynical, hightail. You have a point.

 

I tend towards cock up rather than conspiracy in that Johnson didn't want to make the decision, but I suppose the net effect is the same...

Illegitimi non carborundum

 

 

 

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There's an awful lot of unnecessary spending gone on which wouldn't have happened if he'd done it sooner.  The food waste alone is going to be horrendous, it's been bad enough in the pubs with people ordering food which just gets thrown away.

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48 minutes ago, hightail said:

Is it too cynical of me to think Boris left this so late so people would all crowd to the shops and spend money getting ready for a family Christmas which was never going to happen?

I think that was one of the drivers - but driven by Johnsons wishful thinking and entire lack of any management or planning skills other than 'something will turn up and we can just pretend its all good if nothing turns up'

I have no doubts though that some behind Johnson driving the policies have profit as a motive for what they are promoting,

Not so sure that genocide/population reduction is a direct driver now that Cummings has gone - but not clear on that.

 

This site is getting worse - fan goes like mad when this site is up and even typing is delayed

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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How many tabs open in browser TJ? think I had 100 open in 32 Gb RAM before the browser slowed down, put in 64 Gb kit and is ok now 😁

 

Seriously Johnson has lost the plot, as have the others. Its been a disaster from the beginning.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I remember so many claims that Johnson was 'really clever' and simply hid it under the bumbling tosspot exterior

Not sure whether they were even more utterly stupid BS'ers than johnson, or simply liars.

 

Johnson has an unblemished history of utter incompetence, total lack of planning and management skills and wasting taxpayer money by the lorry convoy load - and it remains unblemished.

 

he's made mugs of us all

So ensure you get yours

 

244444465_britishtitsmug.thumb.jpg.8cce1bc6d8435929da21b43f33707748.jpg

Edited by tobyjugg2

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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2 hours ago, brassnecked said:

How many tabs open in browser TJ? think I had 100 open in 32 Gb RAM before the browser slowed down, put in 64 Gb kit and is ok now 😁

 

 

Quite a few, but shut down just this sites tab and the computer relaxes

 

I'd tracked a fair bit of it to the ticker, but even blocking that uses nearly as much processing as it running

Edited by tobyjugg2

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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On 18/12/2020 at 06:54, honeybee13 said:

London, there was a survey in the last week or two that said around 50% of people would rather carry on with restrictions than come out of lockdown for Christmas, potentially lose a lot more people and then have to lock down again after Xmas.

 

Christina Pagel of Indie Sage was on Newsnight and she pointed out that the people we're likely to lose are probably first in line for the vaccine.

 

The thing is, whether Christmas lockdown or not, there will be an extended lockdown after becsause we don't have a working effective properly managed test and trace, no temp checks at supermarkets, and key frontline staff at schools and supermarkets and delivery companies (for example) not tested

 

a more 'open' christmas will make little difference as i believe many people will not obey, and as already stated

Where is the sense in not seeing your local family who will be properly monitoring their health to protect their loved ones, when going to the supermarket - or the kids to school opens everyome up to 30+ other households minimum.

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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In addition to the mutation previously reported in metropolitan areas of the USA and the new strain in the South of the UK resulting in travel from the UK being banned by an increasing number of countries ..

 

https://www.euroweeklynews.com/2020/12/19/south-africa-reports-new-severe-covid-strain/

 

South African health minister Zwelini Mkhize reported on Friday, December 18 that a new, more severe variant of Covid-19, known as the 501.V2 Variant, has been detected in younger people and he has notified the World Health Organisation.

 

France has banned all travel (unclear how far RoI will go) - so the Farage Garages should be quickly tested

Lets hope they are more prepared than the Nightingale Hospitals were and are.

Edited by tobyjugg2

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Share on other sites
On 20/12/2020 at 19:02, tobyjugg2 said:

South African health minister Zwelini Mkhize reported on Friday, December 18 that a new, more severe variant of Covid-19, known as the 501.V2 Variant, has been detected in younger people and he has notified the World Health Organisation.

There is a worry that the new variant here is infecting children more easily too.

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Schools have been a major issue, they need to sort some online alternatibves, and some way of providing laptops for poorer families. A Communal wifi on some estates may be an option for connectivity.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Tories dont even want to see the kids fed, so wifi and laptops/tabs, or even schoolbooks seems a stretch.

 

Send your nearest Tory MP a home made Christmas card with this on the front

- mind you, they'll all be at their second or third homes for Christmas wont they, so probably wont see them until the new year after their Christmas festivities and eating

 

802985067_Baneoftories-kidseating-s.jpg.52db69b50eb98c93e8fa7973de3b1293.jpg

 

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Share on other sites

Tou mean the festivities they will have but Johnson, hancock, Drakeford, & Sturgeon have banned in effect for everyone else?

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Hasn't stopped them travelling between their 'homes' has it ?

 

example:

Friend of mind lives in Jenricks 'seat - jenrick shunts around his and his parents various houses at will 'alledgedly

Standing Joke locally apparently

Nottinghamshire, Herefordshire. Shropshire, London ....

 

 

https://eastdevonwatch.org/2020/04/12/robert-jenrick-claimed-100000-expenses-for-third-home/

Edited by tobyjugg2

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Shame plod won't feel his collar make an example of him.

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We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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serious blow:

Seems the lateral flow tests are at least as inaccurate as I had understood, and role out is being halted

 

I dont know the ins and outs yet.

Edited by tobyjugg2

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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