Newbie require some information please...

caz876

Hi,

can anyone tell me if the new lloyds tsb card (air miles duo) is coverered by the same rules as the original American Express rules. As I am a bit firghtened after reading on here about the limits American express go to with regards to statutory notices and charging orders on peoples houses.

Also could anyone tell me is there a process leading up to getting a charging order put on your house for example do they need to obtain a cccj first, and would i need to default on this first before it could go any further!

Sorry for the questions just started on DMP and am getting seriously stressed already by the letters arriving :eek:...

Thankyou in advance to anyone who has taken the time to read this and respond...

caz...

cassy

hi there yes a CCJ needs to be obtained first, then they apply for the charging order, if granted they can then apply to have it activated to forse sale but i think if you attended the CCJ the court would probably agree a payment each month, then if you didnt stick to that then they could apply for the charge

shinyhead

A CCJ has to be obtained first. A charging order can then only be granted under certain circumstances. Being in arrears with the CCJ payments is the main one. An interim CO is granted first followed by a final order after a hearing. The National Debtline website has factsheets on CCJ's and CO's and if you're worried then this might help to reassure you. Gotta confess I don't like the idea of interim CO's as it seems you're guilty until you can prove yourself innocent.

caz876

Hi,

just to clarify if any of the companies I owe money to bring a ccj against me and I pay it religously without defaulting, does this mean that the company could not take any further action; for example interim charging order.

Also could i just clarify if a charging order is placed against a property, can it ever be removed if the money was payed or does it have to sit there until the property is sold..

Any help much appreciated..

puddy

i always thought that companies cant go to court if you try to arrange arrangments with them, payment plans and the such like, but i dont know if thats right

JT71

Just signed up for the BA Premium Plus Card because I wanted quick Airmiles. I'm so disappointed that BA airmiles to not equate to actual Airmiles. I'm stunned in fact maybe I'm naive but to me an air mile is an airmile.
A simple flight to Paris is quoted as 9000 air miles ( presumably via JoBurg!)
that would require £6000 of spend and then taxes on top. Poor deal to me and false advertising.
Three questions if anybody can help
1.Am I reading this wrong ?
2. Is a simple Tesco card better for Airmiles?
3. Can the two schemes Airmiles be combined?
Thanks to those who may reply

IM

The BA AmEx card gives you British Airways Executive Club miles - if you'd wanted Air Miles you should have got a card which gives these.

I have had a BA AmEx card for a number of years, and when combined with converting Tesco Clubcard points to BAEC miles have found it to be brilliant - primarily because of the 2-for-1 voucher you get when you hit a spend threshold.

e.g. Two returns to New York in business class (worth approx £5,000) just for making sure I put all my spend on the card (or a Tesco Mastercard in shops which do not accept AmEx). This was from one year's ordinary household expenditure, and no miles earned through flying with BA.

For more information about the BAEC see http://www.flyertalk.com/forum/showthread.php?t=721790

For specifics about the BA AmEx see http://www.flyertalk.com/forum/showpost.php?p=8172635&postcount=16

Air Miles (www.airmiles.co.uk) is nothing at all to do with the BAEC, although owned by British Airways. I don't see how you can call it 'false advertising' that you are not getting Air Miles from a card which doesn't claim to give them - you're not getting Nectar points or Green Shield stamps either....

At the end of the day, all cash-back/benefit cards are giving you something for nothing. Obviously they vary (there's one which give 1 Air Mile for £50 spend...) but if you use them wisely they are a great perk.