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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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      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.
       
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Petrafyde vs. NAtwest


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That was my thought, Nattie - but very odd partials, doncha fink?

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi

 

Did my e-mail to you get through OK? Sorry for the late reply - I was doing my tax return.:eek: It wasn't working for me!!!!!:o

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi petrafyde,

Just read your post in cornflakes thread, and I'm glad to hear that you've got your spreadsheet in order and ready to go.

Thought I'd drop you a line as a token gesture and to egg you on a bit.

So...GO GET 'EM:D

Remember, we are here to assist you throughout your whole claim, no need to panic, let alone be 'petrafyde'. Think of it as a new and exciting journey (with a lot of waiting for news, to boot)

Good luck and keep us posted.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hi Muggins,

 

Thanks for that - was a bit of a struggle at first but I've got the determination there now, so even if what I've done so far is wrong, I'll sort it :)

 

It is a new and exciting journey! You know, I must sound SO mercenary, but I keep thinking about all of that money they've taken away from me, and the hardships I had to suffer because of those unlawful penalties (see! I'm getting the gist! ;) ) and how I can repair some of the troubles being "hard-up" at the time caused. I can't remove some of it unfortunately, but I can pay off the others - and thats whats driving me (plus a new hat, and shoes.. I always need new shoes...)

 

Anyway, enough dribble - will post the prelim and an excerpt from the spreadie in a bit!

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You Go Girl, Fighting Spirit, That's What I Like!!!!:D:d

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Rightio! Feel free to tell me if I'm wrong anywhere as this is going tomorrow morning!

 

[my address]

 

 

 

 

 

[their address]

 

 

 

02 February 2007

 

 

Request for repayment of charges

 

 

Dear Sir/Madam,

 

 

Name: petrafyde

Acct ; 12345678

Sort code; 00-00-00

 

 

My request

 

 

I am writing to ask you to refund to me the charges that you have levied from my account since ** Month 2002.

 

 

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, returned cheques, ‘card misuse’, ‘paid referral’, exceeding overdraft limits and so forth,is unlawful at Common Law, Statute and recent consumer regulations.

 

 

Additionally, it has now been confirmed that your particularly high level of penalties is considered to be unfair, per se by the Office of Fair Trading (OFT), who reported on the 5th April 2006, and they are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

 

If you maintain that your charges are not unlawful, then please demonstrate this by letting me have a full breakdown of the costs, to which you have put as a result of any breach of contract by me, in order to reassure me that your penalties really do reflect those costs.

 

 

These costs will include evidence of, for example, telephone calls (not sales calls), manually (not automated) produced letters, meetings, scheduled visits either to your branch, or to my house, and other activities.

 

I am willing to pay actual, proven costs only.

 

 

Your responsibilities

 

 

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves in a manner which complies with UK law.

 

 

I have banked with NatWest for a number of years. I had always respected the Bank, and am shocked, and greatly disappointed that you have operated my account in this way.

 

 

I had confidence in your integrity, expertise and your fiduciary responsibility to me. I have complained about your charges on a number of occasions and have said that they seemed excessive. I consider that your repeated representations that your charges are fair and reasonable, are in fact quite deceptive, and that they have deceived me into agreeing to pay them.

 

 

The high level of charges has, been part of the root of my continuing overdraft, and breaches of my limit on numerous occasions, and have kept me in a vicious circle of charges/overdraft/more charges: in short, your charging regime obliged me to continue paying amounts far in excess of your true liquidated losses. Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

 

 

 

What I require

 

 

I calculate that you have taken £4,***.** in charges since ** month 2002. With contractual interest at your own rate of 29.69% for unauthorised borrowing amounting to £5,***.**, I find the total at 2 February 2007 to be, £9,***.** This sum takes into account earlier refunds of charges, which are also included in the summary provided. (See enc.)

 

 

You will note that I have included interest at the unauthorised contractual rate. I enclose with this letter a schedule of the charges that I am claiming, which are extracted from the statements supplied by you to me, either in paper or in electronic form from your on-line banking website.

 

 

I feel I am right to request interest from yourselves at the same unauthorised rate you charge me, as these unlawful charges are what I would class as unauthorised borrowing.

 

 

My targets to resolve this matter

 

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing to you in the hope that you will prefer to do this, rather than merely respond with standard letters and leaflets.

 

 

I give you 14 days from date of delivery,6 February 2007, to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours, with dedicated technical and legal resources.

 

 

After that second deadline, I shall issue a Court claim without further notice for the stated amount plus continuing contractual interest at the same rate.

 

 

 

Yours faithfully,

 

 

 

 

 

 

 

 

 

 

 

 

first middle surname.

Enc.

 

 

I'd just like to say a big thank you to Westy for his help too :-D

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HI petrafyde, although i am no expert, it sounds pretty good to me, good luck with your claim i hope it goes well,:D

:)I am not an expert at this, any advice i give is from reading posts on this site, its all in here somewhere :)

 

:) If i have helped please click the scales:)

 

NatWest Settled 16th february 2007----£3902.67 All charges, costs and s.69 interest

 

MBNA- S.A.R - (Subject Access Request) sent 25th March 2007

MBNA missed deadline, LBA for SAR sent 8th May 2007

CCA request sent 8th May 2007

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It'll do just fine. Not that they'll take much notice, but who knows, their tactics are changing everyday.

Let us know what response you get.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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You're welcome - anytime.

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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did you keep a copy petrafyde

 

Certainly did Nattie, everything I type is copied three times! One for them, one for my little stash, and one extra, just in case :oops:

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Hi Petrafyde!!

I wish you all the very best in getting back your money!!It is great to read your thread and see how much you have grown in confidence!!! I will continue following your thread with great interest as we too are claiming money back from Nasty west and have been in similar circumstances with overdrafts etc.

Many kind regards Trish :-)

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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good on you, so hopefully next week, i can say congratulations on a win, seems to be faster on the money these days.

 

 

Hang on, this is me we're talking about and nothing is ever easy for me unfortunately!! PLUS I'm claiming the interest....so I'll expect a big fat no, anything else will be a bonus :D

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Hi Petrafyde!!

 

 

I wish you all the very best in getting back your money!!It is great to read your thread and see how much you have grown in confidence!!! I will continue following your thread with great interest as we too are claiming money back from Nasty west and have been in similar circumstances with overdrafts etc.

 

Many kind regards Trish

:-)

 

 

Thank you Trish, will go find your thread! Good luck!!

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Glad to see you're doing well.

 

Keep us posted and good luck.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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