American Express

troatunit · 9th March 2006, 13:36

I read this site yesterday and I should have paid my American Express bill because I got charged a £20 late fee in addition to £1.11 in interest because it was more than a day late (2 days late I think)

I am going to claim this money back becuase I think this is an excessive charge. Can I claim this money back firstly and what form should I send in and to where?

thanks in advance

Quote:

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BankFodder · 9th March 2006, 13:59

READ THE FAQs

troatunit · 10th March 2006, 10:08

surely me quoting the number the FAQ asked me to quote would suggest that I have read the FAQ...

I have filled in the form for Credit Cards that is in the Library (thanks for that) however I still do not know what address to send it to (which is the actual real question I wanted answering I just wanted clarification on the other points)

BankFodder · 10th March 2006, 10:15

UNDERSTAND THE FAQS

troatunit · 13th March 2006, 16:51

Quote:

Originally Posted by BankFodder

UNDERSTAND THE FAQS

Now that is a fairer reply!

I just got a bill through (usually use online banking with an online bill) and this hopefully has the correct address to send the letter to!

Ignition · 19th March 2006, 10:35

Quote:

Originally Posted by troatunit

Quote:

Originally Posted by BankFodder

UNDERSTAND THE FAQS

Now that is a fairer reply!

I just got a bill through (usually use online banking with an online bill) and this hopefully has the correct address to send the letter to!

Could you offer this address please, I have written to these guys with as yet no reply. This was to London...

papadak · 10th March 2007, 01:23

Hi MSE's, I went after Amex for £700 worth of charges levied for a 2 cards. It took 6 weeks to turnaround. Yesterday I received a letter with a cheque for £250 offering full and final settlement. Their letter states the cheque represents the difference between what they have charged me vs the OFT charges guide ... i.e. £8 & £10 (Charge card & Credit Card). I really would like to go for the FULL amount and not an offer of a third of what i know i'm due back.

What is the best thing to do from here please?

bibbaliz · 11th March 2007, 17:52

Hi papadak. I am having the same problems with amex. I have been asking on this site what I should do and the general reply is that I should pursue the full amount.What annoyed me with amex is that in their letter to me they informed me that their charges had now been set at £8 which was the amount they felt they needed to charge. They did not even attempt to return any interest which I have paid on the excess amounts which I have paid them. Surely if they are saying that they need to charge £8 then they knew they were making excessive profit and also profit on the interest. I have decided that I am informing them that I am accepting this a partial payment and that I am pursuing the remainder plus full interest. If the charge is illegal then so is the interest.
Hope this helps and hope it works

papadak · 12th March 2007, 11:28

Hi bibbaliz.. This is a reply i had on another link question ... i think i'll go with this advice ... what do you think?

"I would write back to them stating that you accept the payment as partial settlement only and you'll be pursuing your claim in full through the courts if necessary. Alternatively others suggest you send back the cheque and write a letter saying you'll only accept full and final settlement etc. There are some templates here (Rejecting Offers).

The legal position with part-payments is that if you keep the cheque you must tell the defendant that it's only accepted as a part-payment and you must do that quickly (within a few days) otherwise if you bank the cheque you can be deemed as having accepted in full."

smartellie · 25th April 2007, 20:53

hi,

i have currently commence court action with FD for over £9K, defence has been filed and i am waiting for the allocation questionnaire.However, we had a number of difficulites with other cards AMEX being one, they closed all the accounts we had with them and past the file to a company called RMA resolve and put on several hundred pounds !!!! of charges. We requested a breakdown of the charges from both companies and got fobbed off; having read your site i was not sure of the position re the charges from AMEX but will now give this one a go. Has anyone been in this position with AMEX and are these charges legal??

any assistance greatly appreciated

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