Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I had held an amex card for a number of years, mainly using it for business expenses and the odd personal purchase. like most people i have missed payments and the like or occasions and if i remember right I was paying a payment protection plan with this card (could be wrong though until i find some old statements).
I lost my job in March 2005, unfairly dismissed i might add. I was unable to continue paying my card debt off. priorities being food and keeping the roof over the kids heads. I contacted amex and informed them of what had happened. All they were concerned about was there money and nothing else. Anyway after many telephone calls they wouldnt help me out and passed the debt over to a collection agency based in Leeds. I have explained that I was taking my old employer to court for unfair dismissal and i would pay the debt off asap, making a payment of £20 per month in the meantime, but still they passed the debt over to collection. obviously causing the usual stress that comes with it. The debt was paid off eventually when my money came through.
since then i have checked my credit report via experian and noticed that it states that it is settled in default or words along those lines.
what i really need to know from someone in the know, and what better place to ask than on here, is;
what can i do about reclaiming any charges the placed on my account over the period i had the account
and, is there anyway i could clear it off my credit report.
You can certainly claim any charges they put on your account for late payments. If the charges were a significant contributer to your having a mark on your credit history, you can request for it to be removed at the same time.
If you haven't got your statements, send Amex an SAR for them. If you have them, calcualte the charges and any interest levied on the charges and send a prelim letter off.
Everything you need is in the templates librray and there are folks here to help
Steven
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GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
American Express Services Europe Ltd
Data Protection Office
Dept 2007 Amex House
Edward Street
Brighton
East Sussex
BN88 1AH
Your name and address(es) should be enough for them to find your account details (they would manage to send you a bill!)
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Yes - do a site search - search is in the blue bar at the top of the thread
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
would it be worth while asking to see my CCA aswell
I also cannot find my account number anywhere, as when we paid the DCA off. we shredded the old correspondance too.
if it turns out, that I never had a valid CCA, what can I do, ie can i force them to remove anything off my credit report or possible seek any kind of compensation.
yippee found my account number for Amex, at least thats one good thing. noticed they too were taking PPI payments, another one maybe lol.
needs some advice regarding this;
when i lost my job in 2005, i informed Amex about this and they said i couldnt claim on my PPI. I couldnt remember the reason. But the did infact put my account in default and passed it over to a DCA to pursue. This did leave a nasty mark on my credit report.
Does anyone have any suggestions on how to pursue this and possible getting the defaulted remarks removed from my credit report at experian
It's funny how no one ever seems to be able to claim on PPI!
Two suggestions:
1) there is a whole forum dedicated to PPI on the main CAG forum page. Look there and see if you can make a claim for the PPI being mis-sold
2) claim back any charges for late payment, etc. If the charges are a substantial proportion of the amount you were defaulted for, then put the demand in all your letters that the default be removed. Don't settle until it is. All the template letters in the library have that option in them.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Then write and ask them for the rest. Also a statement that there have been no manual interventions on the account
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
I'm trying to get EVERYTHING from Amex. So far they've only gone back 6 years but I've insisted on EVERYTHING from 1995; and they said there was no charge, you can have info goodwill. I told them to stick and insisted that they cash my cheque.
I sent my request for repayment of charges on the the 31/07 and have just received a letter basically telling me to bog off and that there charges are indeed fair.
Just stick with the programme - did you expect any other sort of reply?! Give them 14 days from your last letter and then on to teh next stage.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
14 days have now passed, so I believe am I to send a lba to them.
I have also received a copy or my application back, which in fact is a 60second application. the terms are conditions are indeed 2007 lol
there is no signature in the Authorised American Express Signature Box or date. Hold on a min, just had a thought I actaully ask for CCA request and have received a copy of a 60 second application, am I right in thinking this is not my CCA agreement.
what I what to try and do is get them to remove the defaulted entry on my credit reference with experian. help on this would be most welcomed
also when I asked for S.A.R. they only sent then statements and information on it being sent to a DCA , is this right and should they in fact of sent that to me too.
I am starting to think there have been a number of breachs here
As I said a few posts before hand, I'm trying to get more off Amex than they sent. It's like getting blood out of a stone. My patience snapped on Friday and advised Amex that they have 7 days to advise on the whereabouts of the "missing" bits of my my SAR. If nothing is forthcoming then I will apply to the county court for an order to enforce compliance, together with damages at the discretion of the court and where information is no longer available, I require a statement confirming how any information has been disposed of, removed, destroyed and the method of doing so, by whom, when and where.
Drew v Amex
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Originally Posted by andyford2000
