I recently applied for an Amex card to help spread the cost of a large house repair bill. Amex declined my application and specifically cited adverse information in the specific credit reference report. I have applied direct to the credit reference agency and my credit score is 98% and there are no negatives on the credit file. Has anyone come across this before? (apologies if this is posted in the wrong place but I couldnt see an American Express sub forum in the Banks, finance and credit forum. ) I thought it might be linked to my partner so we applied for her credit report and it is a 100% score so I cannot see why Amex would use this as a reason to decline the application.

I had repair or replace insurance on an American style fridge freezer with d&g and had to have it replaced they replaced it with one from hot point and gave me one with water and ice which was a bonus however I had to pay £79.00 for delivery and install and I asked if that was a complete install and was told yes! I phoned hotpoint to book a time and was told it was a special team that had to book it as it was an American style unit I spoke with them and confirmed again it was a full install again I was told yes. Imagine then to my dismay that when it was delivered the delivery guy said they couldn't install it as there was supposed to already be a tap plumbed in to attach it to no one hade ever mentioned this I was furious but hotpoint stated I should have known this ( I'm not an engineer how was I supposed to know )I had to pay a plumber £80.00 pound to install it . However the fridge then died the next day and ruined all my food I had to fight to get a replacement as they couldn't get me an engineer to assess it for 5 weeks what a joke. They came to replace after much arguing and lo and behold when the moved the fridge out there was a large tear in my flooring underneath which wasn't there before they delivered the first fridge they then proceeded to drag the fridge across my flooring putting to long and deep dents across my kitchen diner floor. I called them about it and had to get an engineer as the second replacement fridge handle came off in my hand I was assured that the engineer would also inspect the floor damage when he attended and we could resolve that issue. The engineer arrived and when I asked him to inspect the floor as per customer services instructions and he laughed and said it wasn't his his job to do that and customer services at hotpoint were always saying stuff like that to get people off the phone I called customer services furious and was told to email my complaint in writing and the escalation department would deal with it that was six weeks ago and still no phone call I emailed again 3 weeks ago and received a reply from an alleged customer service director apologising and stating that someone would contact me shortly I am at my wits end as still have had no call my flooring covers a large kitchen/ dining area and will be expensive to replace can anyone advise me or point me in the right direction of what my options are to force them to resolve this as I am at a loss any help would be gratefully appreciated I Would certainly not recommend a hotpoint product to anyone and I would never buy from them again as their customer service department are a comple and utter joke

Hi all, About 6 or 7 years ago American Express wrote to me to tell me they'd missold PPI to me and sent me a cheque for about £350. I'd made no contact with them prior to this so it came out of the blue. The letter stated the matter woyld then be resolved and that i could take no further action against them. I dont think I have the letter any more. Is this true? I suspect that they've duped me somewhat and that they actually owe me lots more. Has anyone else encountered this scenario? What should i do? Thanks, Drammy

I am at a loss here with the new rules for Air Passenger Duty which in the Uk apparently no longer applies to travellers under 16. I have booked a trip for my daughter to the USA with American Airlines as she will be spending the summer holidays there with relatives. She will be travelling alone and at time of travel will be 15. Due to her age I couldn't book the ticket online, I had to phone reservations. At British Airways you have to book tickets for minors travelling alone also through reservations rather than online, as British Airways says their online system can't automatically deduct the APD for children at the moment, so you have to go through reservations to avoid being charged. Thought this was the same with AA when it flagged up that you can't book tickets for minors under the age of 16 online. So I phoned the AA reservations line and although it is a UK number I seemed to be connected to the US office. Anyway, it all was far more difficult than anticipated as I asked about the APD and the guy on the phone didn't seem to understand what I was talking about. He quoted me £1105.- for a return ticket which is the same I was quoted online for an adult passenger. I asked whether he had deducted the APD as my daughter was under 16 and he didn't seem to understand what I was talking about. He said their price didn't include any tax apart from the taxes and charges I had to agree to when booking the ticket. So I didn't understand what he was talking about then. He kept asking whether I did agree to pay the charges and taxes and I kept saying yes as long as it is not the APD which my daughter isn't liable for. He said that wasn't being applied, so I booked the ticket and paid the £1105.- However, when I looked at the receipt I noticed that there were carrier imposed charges of £163.- plus £156.85 in taxes. So I wonder whether they DID charge the APD after all and should refund that tax of £156.85 ? But when I call AA they don't seem to understand and keep saying I agreed to those charges when I booked the ticket. They also do not respond to e-mails, I just get a confirmation of receipt saying someone will respond within 48 hours, but nobody does. Has anybody got some advice or information for me on this ?

Heres One For You... Below is a video from youtube for a series in the USA called "Last Week Tonight" Hosted by John Oliver. Although its a comedy show, He did a interesting article on Predatory Lending. Watch the whole thing and towards the end you'll see something that appears to be happening in our market. (Yes the FCA clamped down, but most of the surviving companies have begun to change their product offerings...) Think of people like Quickquid, MyJAR, Sunny, Wonga, 118 Money... Etc They have adjusted their type of business to rolling credit accounts and longer term loans. I sense that this will become the next big thing the FCA may clamp down on. The FCA clamped down on Pay Day Loans in general EG - Limited CPA Attempts etc These companies do certainly find a way to evolve... EG; Take for example Sunny - They used to be 1MonthLoan are were just that, a 1 Month Loan over all. They have now become Sunny and are a rolling credit account; [ATTACH=CONFIG]58919[/ATTACH]

Hi all, I have a corporate card through a very large organisation and I am leaving the company next week to start a new role. I have never missed a payment but the past month I have ran up a £2000 bill roughly. Stupid I know and I haven't missed a payment or anything. My question is..... My american express doesn't show on my credit file at all. I can not pay the full £2000 off in one go like you have to every month. If I didn't pay the bill my understanding and this maybe naive is that the company I used to work for has to pay it? If I did not pay it how could it effect my credit report? I am thinking it won't because it doesn't even show. If I don't pay the amount I will get a few nasty letters I presume. My point is if I don't pay the £2000 nothing will really happen? Am i being stupid, probably am. If I didnt pay what is worse case? As long as it doesn't affect my credit report I am not really that bothered. Thanks for help

Hi everyone, I had two accounts with Amex opened in 2003, One was Amex blue and the otherone was Gold Charge Card. I ran into financial problem and the accounts were terminated and sold to Capquest. I was first offered the Gold Card then followed by the Blue Card. Well, there is no outstanding debts on them now but there were penalty charges on both cards which I would like to claim back. I wrote to them requesting them to repay but they refused. I then sent a LBA and their response is basically the same. Below is their reply to my LBA: (Two letters for the two accounts but the contents are the same) WITHOUT PREJUDICE SAVE AS TO COSTS Dear Mr... Thank you for your letter dated --.12.2014 concerning the default charges applied to the above account. While we are disappointed that you rae not satisfied with our response, we confirm that your claim has been reviewed in accordance with time frame limited by law and that, as confirmed in our final response letter dated -- December 2014, no refunds of default charges are due in respect of this claim. If, however, despite our final response, you decide to pursue legal action, American Express will have no alternative but to defend such proceedings and recover its costs of doing so from you. We trust this will not prove necessary and that we can avoid unnecessary use of the court's time and legal expense. Yours Sincerely, Now, my question is, Has anyone had experience with Amex? Any success story to read? It is my intention to follow it through. I want to issue a claim but would want to hear your opinions before I do that. Thanks Dot

This could be a fun one.... A few weeks ago we moved house and our fridge freezer is the American type, tall with two vertical doors. We've had it a few years, a few small dents here and there. We weren't able to move it ourselves because of the size but (for those of you who know), we found someone on the Facebook "selling" groups locally - called Jean Claude Van Man. He quoted £35 to move it with two people for which we agreed. They arrive with a large transit sized van and proceed to pick it up (without really assessing anything) - they lift it on it's side (so the freezer door would swing open), and start taking it out of our rear double doors (there is a step down to a patio area). As the chap at the back inside the house gets towards it, he stumbles forward dropping it out the door, it landing on it's freezer door edge. Shelves spill out, one of them cracking the plastic frame. I'm not impressed by this point, so they upright it and get it on a sack truck(!) and get it to the van. By this point my partner points out that they better have insurance to cover the damage ... nothing is said. They load it in the van on it's side, pushing it in on a blanket of some description. Unloading at the other end is easier but I notice how much damage has been caused. Chips down the edge of the freezer door and at the bottom where it scraped. Scratches on the inside of the fridge door and a nice white scratch on the front of the door. Later on I put 1 and 1 together and realised that there is a nice long dent on the side of the unit, exactly where they had pushed it in the transit van. I got a "sorry about that" but thinking I was doing the right thing I paid them £35 (in thinking that by paying what I had agreed I kept my part of the contract therefore could take them to court for cost to repair or replace depending which is cheaper). So it ends up going back on Facebook that they drop it to which it is virtually flatly denied and they claim "they have offered to put it right" for which they have done nothing. I was given an address to write to to make my complaint for which I have sent a letter recorded delivery. Not delivered and it hasn't been collected (9 days now since attempted delivery) - I'm pretty sure I'm having it returned. There were messages on Facebook from them to us but they have now blocked us and the messages appear from "Facebook User" (but on the main screen it shows the name). I have a certain amount of evidence of them admitting liability but in my letter I request details of their liability insurers, which I'm 99.9% sure they don't have. My question in all of this is, assuming the letter is returned with no delivery, based on the above - is this sufficient to take them to court for compensation? I would request the amount it would cost to put it back to pre-dropped condition - whatever it costs to repair doors, failing that, replace doors, and if that's too expensive, replace the entire unit. I understand my evidence is mostly unsubstantiated but I have plenty of pictures of the damage and a few screenshots from facebook and also the messages we have from them. My next move? Many thanks.

Greetings... I'm new to these parts having just come over from Austin, Texas to live and work in UK for the foreseeable future. I seem to be making poor decisions regarding these silly parking tickets so I thought I'd stop the bleeding and consult y'all. I've waded through the stickys and quite a few of the posts and still a bit unsure of my status/next steps, so I thought I'd engage you good folks for some friendly advice. Basically, on 19.05, I was heading into London for work and staying over night. I parked and paid/displayed in a NCP parking lot (Mark's Tey Station) for 2 days, only to find the trains to London were shut down indefinitely. I decided to drive past the problem (engineering works in Colchester) and catch the train. Shenfield Station was the first point trains were working so I drove to Shenfield. Upon arriving in Shenfield Station park, which is run by NCP as well, I noticed much open parking along the fencing. However, there were signs on the chain link fencing posted that said "reserved parking". I avoided that area, and found parking in the middle portion thinking all was good. I paid and displayed for 2 days of tickets and caught my train. When I got back on the 20th, I was stunned (and SUPER angry) to find 2 stickers on my car (see attached). £75 / day for each day for a total of 2 days offering a reduction to £50 if paid within 14 days. Turns out, the middle sections were "reserved" parking as well. I looked around for signs... and saw none. I looked down, and sure enough, I saw painted on the pavement "reserved parking". As soon as I got home, I went to the NCP site to look up my fines. There were pictures showing 1) my NCP Shenfield 2 day parking payment properly displayed on my dash 2) a pic of my car showing the "reserved parking" on the pavement. I immediately chose to appeal both tickets separately and pled ignorance. In the appeal, I explained my situation, that I had paid properly in Shenfield AND in Marks Tey. Basically I played the dumb yank card but did point out, that the "reserved parking" signage was NOT obvious on the ground (when you are heads up driving/looking in a parking lot (car park) and begged lenience/forgiveness. Within a couple minutes, in my infinite intelligence, I decided to do what I should have done first, and google/research it. I found this site claiming if it's NOT from the council, you aren't legally bound to pay it. It's now been over 14 days and I haven't heard a peep. My guess is to ignore it as many other claim. However, I don't need any legal problems as I am over on a work visa and trying to establish good credit. I should have come here first! Any thoughts? Many thanks for helping out a sometimes not so bright American trying to learn the ropes over here. Cheers Kirk

Hi guys can someone help We have a BEKO fridge freezer, with extended comet warrenty. Ive just spoken to the guys that have taken ownership of the warranty and they have refused to help - stating cosmetic issue not a breakdown. The problem is the freezer door has rusted, under the paintwork!!. Near the water dispenser and at the foot of the door. there is no damage on the door and it has been kept dry and clean. The machine was purchased 17/10/2011. The warranty centre said to call beko as its a manufacturing issue. When i called beko on 01923 654649 (head office number) they passed the buck back to the warranty centre. I then explained this is a manufacturing issue not a breakdown. He then said i will give you a number of a repair centre that will do the job at my cost!! I then said under the sales of goods act he needs to address this issue, he said its void as it was with comet?!?!. I was just amazed at the poor attitude of beko customer service, he was not helpful or had an ounce of empathy in him. I came of the phone steaming. Can anyone give me any pointers which direction i should go now to get this expensive 2 1/2 year old machine repaired before it falls to pieces under its own weight. If anything i now know i wont be purchasing beko again, i will stick to the samsungs from now on, i wish i had in this case it was only that the beko was slightly larger when we bought it.

Hi friends, I am on a mission to claim all the PPI I have ever paid to all my lenders in the past. Amex is the only lender whose statements I have failed to retain. I have their Application acceptance letter for the Blue Card that clearly says .... I have a couple of questions. I am not sure if I need to SAR this lender. I know through this letter the start date but do not recall when I cancelled the card. What should I say in the FOS about the end date? Will "please check your records do?" Note : Apart from the above letter I have just one more letter in terms of record from Amex.This one is about a £5/- overdue amount but to my advantage has a date of Nov. 2004 which means I held the card at least for 4 years between these two letters. Thanks and hugs Autumn

Hi All, Some advice needed please... I recently flew to NYC with American Airlines and decided to upgrade my economy seat, for £31.60, on the basis that this particular seat had a 'premium charge' against it. The great thing, or so I thought, was that the seat next to me which to be occupied by my wife, didn't have any upgrade cost associated, so overall this was perceived a good deal; one of us would have extra leg room, upgraded entertainment, great view etc. In fact, the seat was directly over the middle of the wing (row 21), had a full row of seats in front, no percieved benefit whatsoever. When I challenged the cabin crew they shrugged their shoulders and AA have this morning sent me an email of complete jibberish, basically stating that there won't always be a value attached to an upgrade cost and, would you believe, suggested that 'some travellers just like certain seats which they're willing to pay for'. Surely this is misrepresentation, but I can't any official body to complain to, who would uphold any form of formal complaint. Any ideas please? Thanks Robmana

A brief Chronology Amex Card, firstpursued by Creit Solutions in Summer 2007. CCA sent and defaulted on ( under old time frame) OC did send a very poor quality of application form with a printed "Application Form"in two places covered with white labels ! - this on the photocopy of the application form rather obvious I thought. Nest page was very general T & C also almost unreadable such was the photocopy quality Next Moorcroft had a go, and they were sent packing with the "Bemused" letter (late 2007-early 2008) Cut forward to Aug 2008, a letter from Brachers "acting for" demanding full settlement plus a raft of their charges. They were sent a "Bemused letter and also a request for their official complaints proceedure, the numpties read this as to be forwarded to AMEX as a complaint on (Amex) proceedures, They still dripped on a bit, so copied the Bemused letter ( always sending everything RecDel) and finally sent them a letter suggested here to the effect that if they as solicitors did not understand about defaulted CCA then they should maybe ask a Judge to explain. They then went quiet until yesterday, when I had a letter detailing Final offer a 50% payoff, ( no mention of fees/charges etc ) Not headed Without Prejudice or anything similar, sttlement to be made in seven days or legal proceedings MAY be commenced for full outstanding balance plus costsetc etc Now, as I understand it, Credit Solutions are still in default of my 2007 CCA request, so they are the ones if anyone who should be pursuing, all others can Foxtrot O! Second, If Brachers had a proper agreement to satisfy a court, why would they make an offer of 50% of the amount? This leads me to believe that 1) Brachers have no right to pursue anyway 2) They( and no-one else can provise the proper paperwork 3) Brachers have so far ignored my section 10 DPA Sta Notice sent in Sept What would be the best way to answer them? repeat a "Bemused" letter, with ammendements Many thanks

I'm in the middle of quite a few PPI negotiations with various credit card companies that I have got involved with over the years. One of them is American Express. They made a written settlement offer to me and I signed the acceptance and returned it. I thought that was the end of it. I am now waiting for the eight weeks it allegedly takes for them to refund the money. Today I received the following letter from them. Thank you for your signed acceptance offer received by this office on 21 May 2012. In the final response my colleague explained that he would offer you a premiums refund of x and interest of y. However, having reviewed the case I can confirm that the refunds amounts provided are incorrect due to an administration error. The correct premiums refund is x1 along with interest of y1 which totals z. (The premiums element is £300 less than originally stated and naturally the interest amount has reduced too.) I understand you have now signed the acceptance and agreed to the amount of x+y however, according to guidelines, we are only able to refund the premiums that have been billed to your account. For this reason we will refund the true figure of z. I sincerely apologise for any inconvenience that this may have caused and in light of our error we will include a £50.00 credit as a gesture of good will. Etc. etc. I have never heard anything like it in my life. Can they do this? I was unaware of the amount of PPI involved when I received their written offer and I accepted it in good faith. Surely they should pay the amount we agreed? To add insult to injury the letter I received today is dated 11 May 2012 which, given its opening line, takes their incompetence to even higher levels! Can you please advise me where I stand on this? Do I have to now accept the reduced amount? Thanks for any advice.