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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.
       
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      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.
       
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Baliff petition;Stop them getting a legal right to forced entry;Peter Bard


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HI Post to media

 

I would like to congratulate the media on being hoodwinked by the government yet again. In the best piece of slight of hand that has been demonstrated since Paul Daniels hung up his wig the government and in particular the ministry of justice have got the Tribunals Court and Enforcement bill through and onto the statute books unscathed.

It started in 2004 when a late night session at the commons were debating a relatively unimportant bill to do with the domestic violence act a last minute an amendment was tabled that was to” fill a gap in the rights to access regulations in bailiff law."

The MP's nodded it through it was late at night and not worth any great scrutiny, little did they know they had just given away over 800 years worth of common law rights for all English men and their rights to security in their homes. Now the government could knock down your door and take your belongings with impunity. This was however limited to agents acting on a magistrates warrant .

Yesterday the second part of the trick was masterfully pulled off by MS V Baird, as the rest of the countries attention was diverted in true Houdinian style, she pushed through the rest of the legislation and now the, "enforcement agents" can force entry, restrain and fine/ imprison anyone who protests and all for a few quid owed to the local greengrocer.

So whilst you (The media) have been giving us a diet of who is doing what to whom on big brother we have lost one of our basic rights and freedoms and no one said a thing.

People say the law is an ass I say it is as good as we make it and this is a bad one.

Thanks a bunch

Peter F Bardsley

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Guest Herbie

SIA as the regulator of bailiffs.

 

--------------------------------------------------------------------------------

 

In my view SIA are not the right choice as regulator.

 

There are many reasons for this, the first one being that I do not believe that they can possibly be described as "independant" .

 

The SIA is an Executive Non-Departmental Public Body

established by Parliament on 1st April 2003 under the Private Security Industry Act 2001.

 

Their 2004/5 accounts show that they received funding from the HOME OFFICE of £13 million in 2003 and £18.50 million for 2005/06.

 

Independant.......who are they kidding. !!!

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I have been reading this and feeling very uncomfortable in general.

 

Then I thought a bit more ...

 

My son is in debt to Natwest (credit card) & has made an arrangement to pay a bit each month via Intrum Justitia. He has gone back to uni after a spell at home, but IJ still have my address (son changes address quite frequently so it's the only feasible one) & phone no.

 

He isn't an excellent payer so I get a few phone calls & letters for hime that I pass on. My son hasn't asked me to give them his current address or phone no so I decline to do so when IJ ask for it.

 

If this wonderful piece of legislation comes into force & Natwest decide that they want all of their money back, is it possible that if there was a judgement (that I might not be aware of) I might be legally burgled by bailiffs?

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Yes, indeed there is !

 

Bailiffs will automatically "assume" that your son lives there (in the absence of proof that he doesn't) - after all they don't care who pays - as long as they get some money !

 

If the new Bill becomes law there is a possibility that you may return home one day to find the locks have been changed (although the bailiffs will claim that they contacted you about it prior to breaking-in - just as they claim to have done so many "phantom" visits !)

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I just hope that these newly regulated bailiffs are better at finding houses than the postman who regularly delivers mail for the same house number but the next street!

 

If this sort of thing starts happening just think of the number of sons & daughters who are in debt who might get kicked out by their parents to avoid this happening.

 

I can see IJ getting my son's address when this becomes law!

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I just hope that these newly regulated bailiffs are better at finding houses than the postman who regularly delivers mail for the same house number but the next street!

 

If this sort of thing starts happening just think of the number of sons & daughters who are in debt who might get kicked out by their parents to avoid this happening.

 

I can see IJ getting my son's address when this becomes law!

 

Here's a classic example, from The Guardian newspaper - When baillifs put foot in my door | ZZZ Front | Guardian Unlimited Money

 

or bailiffs repossessing the WRONG house - THE WRONG HOUSERS - Top Stories - News - Mirror.co.uk

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I have been reading this and feeling very uncomfortable in general.

 

Then I thought a bit more ...

 

My son is in debt to NatWest (credit card) & has made an arrangement to pay a bit each month via Intrum Justitia. He has gone back to uni after a spell at home, but IJ still have my address (son changes address quite frequently so it's the only feasible one) & phone no.

 

He isn't an excellent payer so I get a few phone calls & letters for hime that I pass on. My son hasn't asked me to give them his current address or phone no so I decline to do so when IJ ask for it.

 

If this wonderful piece of legislation comes into force & Natwest decide that they want all of their money back, is it possible that if there was a judgement (that I might not be aware of) I might be legally burgled by bailiffs?

 

HI

 

I would find out if a judgment has been issued and if he is financially linked with you on the credit file and if there is take the appropriate steps to get it removed but do it now, most problems with bailiffs can be avoided if people act as soon as they suspect something is wrong.

 

Best regard

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I have had a response from my local MP Douglas Carswell.

His reply as follows;

 

Thank you very much for contacting me recently about the bailiff industry.

 

As your member of parliament, I believe that those people who have a debt owed to them have the right to have that debt enforced, however there must be a balance between this right and fair enforcement of debts.

 

I welcome some of the new rules in relation to seizure and control of goods that are contained in the Tribunals, Courts and Enforcement Bill and it is all welcome that the different rules that used to apply to different debts are being removed in favour of a single system. However, given the new powers in this Bill, and the increased powers that were contained in the Domestic Violence, Crime and Victim Act 2004, I believe that it is time for a proper system of certification and we think that there should be a clear regulatory system for bailiffs.

 

I welcome the fact, that following pressure from Conservatives, the Government have agreed not to implement the powers to apply for reasonable force until the regulatory system that they have promised is in place. However, I still have great concerns about other elements of the Bill, including the changes being made to the ancient common law right of resisting entry to your home.

 

Conservatives will be pressing the Government to secure safeguards to protect vulnerable people, including single women and those with children. If these safeguards are not secured we will vote against this Bill.

 

Once again thank you for taking the time to write to me.

 

Any advice on how I should respond to this smile.gif

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Any advice on how I should respond to this

Yes,

1) Point that as he has stated in writing his concerns for the common law rights, then it ought to influence how he and his colleagues vote.

 

2) If the goverment are unable to guarantee BEFORE it becomes law, the safeguards that are demanded, then it ought to be a nay

 

3) Maybe to late to raise this point now, but I am convinced more people will declare bankruptcy than had previously.

 

Am thinking of further points, lunch has arrived.

Best wishes to you Peter, thanks for your efforts.

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Received a letter from Andrew Lansley this morning - he states he is sorry that I brought the matter to his attention before the ammendment reading, however, he is going to investigate and ensure that the people in his party are aware of what has happened and use my case as an illustration of what could happen without adequate safeguards.

 

I hope it is not too little too late.

 

SFx

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my council is threatening bailiffs again after their online payment system went wrong and only giving seven days before action, so typical, I had to get the LGO to sort them out once before!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Yesterday the second part of the trick was masterfully pulled off by MS V Baird, as the rest of the countries attention was diverted in true Houdinian style, she pushed through the rest of the legislation and now the, "enforcement agents" can force entry, restrain and fine/ imprison anyone who protests and all for a few quid owed to the local greengrocer.

 

Ms Vera Baird was sworn-in at the Royal Courts of Justice this afternoon as the UK's new Solicitor-General.

 

(Just shows what can be achieved IF you have friends in high places - and do as you are told !)

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This does not make for good reading at all. I hope she becomes unstuck somewhere along the line. It seems like the my people will speak to your people and your people will get me a really good position as solicitor general. How high would you like me to jump m'luds. Pity that instead of talking they all listened to the people who pay their wages. Oh but forgot that cant be us. We dont pay our council taxes do we. As if. so who is paying her wages. The bailiff industry. The DCAs. Sorry got the cynical head on.

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Hi

Any one else notice the coincidence about the passing of the smoking ban and the enforcement bill,all those fifty pund fines,guess who is going to end up collecting the ones that don't pay up on the spot,and guess who is going to net all the fees from doing so.

I can just hear the conversation at number Ten.

 

Some time in 2003

T Blair

"We realy are going to have to do something about this smoking business we are getting continual critisism about the cost to peoples health " Gordon Brown

"But that might stop sales and what about the loss in revenue we would loose from sales tax"

VB

"We will make that back on fines "

Tb

But what about the people that won't pay remember the poll tax"

VB

"Don't worry Tony i have this peice of legislature that will do just the job."

 

Mr Bellingham (MP) touched on this in his ammendment last week when he mentioned all the new fines coming into force.

I think this is a very involved peace of chicanery that has not yet ceased to fully develop.

I think they government learned a lesson from the poll tax and the people who just refused to pay and found a way to enforce even to the point of violence to make sure it didn't happen again.

Question is what is next

Maybe transfer enforcement status to the people issuing the on the spot fines so they can forcefully extract the fines when issued.

Rediculous? maybee but after what i have seen over the last 6 months nothing would supprise me.

And after all isn't that what clampers do now.

 

Best regards

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Well, Gordon has to make-up the shortfall from smoking taxes (apx £9.5 billion) somehow !

 

Add-in the fees for ID cards and biometric passports and the books will balance again !

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  • 2 weeks later...

This will probably put bankruptcy for those who dont own their homes through the roof, once joe public clicks.

 

Option A: Bailiffs for Big Nasty Bank breaking in taking all your stuff over a ten grand loan, which will then increase dramatically with court costs and bailiff costs

 

Option B: Bankruptcy, all your goods if not brand new etc left alone, all debts gone, blow a cheery kiss to bailiffs/banks.

 

I was thinking of going to the bookies - once theya ctually start using the powers how long do we think it will be before a bailiff is killed/seriously injured after messing with the wrong person?

 

Its going to be fun watching the government wet itself at the public outrage when all bailiff visits have to be "guarded" by several policeman who should be catching criminals, in order to protect the bailiff in case of attack while visiting.

 

Any decent bailiffs out there should be looking for a new job now. They cant really complain if they stay and start getting stabbed, shot or beaten half to death, any sensible person can see this is what will happen to those using these new laws. I can see a Bailiff kicking in the door of an unknown to him suburban drug factory, for non payment of C Tax or electric bill and getting gunned down by the panicked dealers.

[sIGPIC][/sIGPIC]

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Its going to be fun watching the government wet itself at the public outrage when all bailiff visits have to be "guarded" by several policeman who should be catching criminals, in order to protect the bailiff in case of attack while visiting.

 

Any decent bailiffs out there should be looking for a new job now. They cant really complain if they stay and start getting stabbed, shot or beaten half to death, any sensible person can see this is what will happen to those using these new laws. I can see a Bailiff kicking in the door of an unknown to him suburban drug factory, for non payment of C Tax or electric bill and getting gunned down by the panicked dealers.

 

As the bailiffs will be able (under the new "law") to be "assisted" by "others" - ie "heavies" - (who will certainly NOT be criminally record-checked - even if the bailiff himself is !) it will be very interesting indeed.

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As the bailiffs will be able (under the new "law") to be "assisted" by "others" - ie "heavies" - (who will certainly NOT be criminally record-checked - even if the bailiff himself is !) it will be very interesting indeed.

 

It should be interesting to see how far the bailiffs get trying this on in 'Toxteth' or along the 'Falls Road'

 

If I was a bailiff I would either & if not already, stick to frightening little old ladies (which is what they'll probably do) or seek another career in what otherwise could be a short life

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Caledfwich wrote,

"I can see a Bailiff kicking in the door of an unknown to him suburban drug factory, for non payment of C Tax or electric bill"

 

The only chance is if the dealer is very sloppy with paperwork or personal admin, they and other criminals, politicians and general jack the laddery are the ones most likely to have sufficient funds to pay extortionate tithes and utility bills.

 

It's the meek who are going to be doing the suffering, inheriting even more of the earth, so to speak.

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