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.
in 2005 I applied for an Amex CARD but never recived it. I have since seen in my credit file this month consistent failiures to pay the £50 balance on the card (that I never used!) I never recived any statements in the past, however when I called them, they posted out a load showing the transactions.
Am I liable for these? AMEX said if the card was used frauduantly I should contact the police, but others tell me under the Fraud Act 2007 its the card companies respnsibility to do this??
I need it off my credit file ASAP as I need a mortgage soon.
Can anyone advise on my best course of action??
Ames also say my account was automaticly closed Dec 2005 due to non-activity and non-payment of the annual fee.
Re: Amex Debt On Credit File / Card Never Activated
Any discrepancies on your credit file should be reported to the CRA whom have logged them and the Information Commissioners Office if there is a valid dispute.
Re: Amex Debt On Credit File / Card Never Activated
What was the annual fee and fees for non payment?
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Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.
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Re: Amex Debt On Credit File / Card Never Activated
Hi
the anual fee was "standard" but i never paid it and the balance on the card was for about 10 small purchases that I never made, mostly train tickets it seems, possibly bought on the train itself?
I dont seem to have been charged any fees as such but I will check now I have the statements.
Bit angry I have a 36 months of non-payments on a card I never had or used!!
Re: Amex Debt On Credit File / Card Never Activated
Sounds like identity theft. Report it to your local police as fraud, get a crime reference number and go from there.
"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.
Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.
If you do PM, make sure to include a link to your thread as I don't give out advice in private BB 13 - DCAs/banks and solicitors 0.
I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...
<--- If you feel I've helped, please twinkle my star
Amex Debt On Credit File / Card Never Activated
CARD but never recived it.
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Re: Amex Debt On Credit File / Card Never Activated
