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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 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.
       
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Harejon V Hsbc


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Hi All,

 

This is my first post. I am in the process of attempting to reclaim my bank charges from HSBC. I have retrieved my bank statements and sent a letter stating my claim and giving them 2 weeks to respond. Those 2 weeks ended on Thursday (5th April 2007). Due to a lack of response I now need to start court proceedings, my branch of HSBC was a small one in Morrisons, Ipswich. The postal address for this branch is a PO Box in Coventry. I can't see the courts would be happy with this as the contact address for HSBC so what address should I use?

 

Thanks very much. :)

 

For background, I closed 2 accounts with HSBC 2 years a go as I was sick to the back teeth of their immoral bank charges, I always said their charges were legalised stealing. Now I know it's just stealing. ;) My claim is for £1797, as it's going to court I intend to claim the interest too raising my claim to around £2300.

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That's excellent, thanks.

 

I will post all process on here and donate when I receive my money. 8-)

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After viewing this website it's definately now a when, you have to love the power of the internet.

 

Thanks again.

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right I'm now following the plan on this website and have sent an LBA today. The clock is ticking. :cool:

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take a look around the mcol website now and start filling in your particulars. you can pop in and out of there at will to change things right up until you submit your claim

good luck

 

HMCS Money Claim Online

If i've been helpful in any way....then tip my scales over there!

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Thanks netty, I created a profile a couple of weeks back (I had another from 3 years ago but can't remeber the login) so I've had a look.

 

I have to say without this site I think I would have bottled it with the response people seem to be getting from HSBC. Not now though, I'm ready. :)

 

cracking site ad cracking people. people power hey?

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  • 3 weeks later...

Claim started and paid for today, that's another £120 worth of expense for HSBC :D

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ok this is from getting mcol right:

 

After You Have Issued Your Claim

Your POC's state that you will be supplying a schedule of charges, but MCOL does not allow you to attach it to your claim at the time of filing.

So, once you have filed your claim, you need to send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

 

Quote:

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

Yours sincerely,

 

 

 

then:

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim. Their name and address will be on page 2.

 

 

Quote:

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

(If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph)

 

 

I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited

 

If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court.

 

Yours sincerely,

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Hi Lateralus,

 

I sent that letter + 1 copy of the shedule today as per the guide. it didn't mention sending 2 copies (unless I missed it). Also the schedule in the templates didn't have a place for the case number, do you think I should send 2 copies again with the claim number added or are you just being cautious? :confused:

 

Thanks for your input.

 

Regards

 

Jon

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it does say claim no.xxxxxxx on both letters - it should get matched up with your name on it so just leave it.

just before the first letter is says send two copies -

 

hope you read all the other instructions carefully! lol you might have them suing you or something.!!!!

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it doesn't say 2 copies here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

I switched from the guide to the mcol link and created my letter to the court via post #2 where it says 'Once you have submitted your claim by MCOL you need to send your schedule of charges to the court to be served with your claim'.

 

bugger!

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don't sweat it - one copy will do - because you are sending dg one anyway and that's where the other would go - no big deal and i'm sorry - i thought you were taking it from my post to you above........

try to relax - as long as your name is on the claim and the figures back up your breakdown - everything is ok!

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I'd already posted the letter before you'd posted your err...post.

 

Thanks for your help. :)

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An update

 

Wed 9th May - notice of issue received from the courts in the mail

Wed 9th May - Claim acknowledged

 

I noticed on my claim I missed of 2 of the leading zeros on one of my account numbers, I specified my account number as 00**** rather than 0000**** for one account but correct on the 2nd. I've also missed the 2 leading zeros on both of my breakdowns. How should I play this? Obviously I need to make all parties aware. :confused:

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well, you are going to send dg a copy of your breakdown - just put the two zeros on that one.

as for the court - try ringing or writing to them and just advising them that the account numbers for claim no. xxxxxxxxxxx are ..... and .....

put the correct one first and the incorrect - with the two added 00's on second. i'm thinking it won't harm your claim but you do need to clairify it. - i'd hate to tell you that and then the correct advice be that you need to file an N244 amendment (costing £35), so maybe you'd better ring the court and tell them that you left off two zero's at the beginning of your second claim number and ask whether that will be a problem. i'm thinking as it's zeros and at the beginning of a number they may (or may not) be incidental to the actual account number. best ring and ask the court.

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Sat 12th May - Acknowledgment received in the post.

 

I'll send the updated schedule and contact the courts Monday. Thanks latty.

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just a quickie, I'm about to send my scehdule of charges to DG but do I need to include the 8% column from the spreadsheet on the schdule? I've read so much on here now I can't for the life of me remember. :confused:

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and also, if I do include that column, should it be as it was as at the issue date and not what it is currently?

 

Thanks a lot.

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Hi harejohn, yes you do send it with the 8% interest. Try and use the original one you used for your court claim and add on the bottom how many days since filed + daily interest rate @ £x.xx = Total claim to date.

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A prudent question is one-half of wisdom.

 

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hi jo,

 

I have 1 spreadsheet (the one from the templates on here) which still has the formulaes so each time I access it it's the claim as it is now and 1 spreadsheet with the values fixed as at date of issue.

 

shall I just print the spreadsheet as it is today or the fixed one (as at issue date) with an update at the bottom? does that make sense. :confused:

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I would send the one that agrees to your court claim with the added bits on the bottom that way it all ties up.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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In that case, there isn't a date anywhere on the spreadsheet to indicate that this was the value of the claim at the date of issue. Obviously I don't want to deviate from the tried and tested route, but should I add one?

 

Are you familiar with the simple spreadsheet I'm using from the templates library?

 

Thanks again.

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I used the simple spreadsheet from here aswell. I just added an extra line under the court reference and put in Date of Claim xx.xx.xx.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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