Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

American Express Corporate Card


chimp123
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3250 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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

Link to post
Share on other sites

Not sure they will notice in time before I get paid but I did think that. I believe its happened to someone else for a much larger some but they weren't allowed to deduct the wages?! It is my own fault but only thing I am worried about is my credit file because I am just starting to repair it and can't see how it will effect my credit report if it's not even on there?

Link to post
Share on other sites

Thanks for the reply. That would be fine because they I can pay them monthly and it doesn't affect my credit rating. It's a massive company that earns millions per quarter so I reckon they will do that. Suppose I won't know until it happens

Link to post
Share on other sites

Hey all been doing some research and

 

 

because I work for a large company I believe (could be wrong) but my instincts tell me that the debt will fall on the company

and not my credit report.

 

 

Because the application didnt involve checking my credit score etc hence why i got one in the first place.

 

 

Anyone had any experience or got anything else on the part about affecting credit score im pretty sure I am right

 

 

but anyone with experience of this please give me a shout

Link to post
Share on other sites

  • 5 months later...

Hi all

 

I have today received a letter from Ashmore credit solutions on behalf of American Express for collection of money owed.

 

At the moment its the first letter I have received and they have been calling me once everyday. They are stating failure to respond may lead to legal proceedings. I have received debt letters before from the like of lowell chasing things from years ago and I just ignore them as I know they won't do anything and the debt with them is statue barred.

 

But this letter from Ashmore seems very profession and different to others. I owed around £3000 on a charge card I can with an old company. The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is.

 

My questions is what should I do next?

Should I ignore Ashmore's?

Anyone dealt with them before?

Should I reply?

 

At present I don't have a default or anything for this debt as it was a charge card.

I don't want it getting to court and getting a ccj because I am just getting clear of debt.

But because it a charge card I am unsure if this will effect my credit or will ashmore credit solutions take it further.

 

Any help would be appreciated.

 

Thanks all

Link to post
Share on other sites

Hi all

 

I have today received a letter from Ashmore credit solutions on behalf of American Expressicon for collection of money owed.

 

At the moment its the first letter I have received and they have been calling me once everyday.

 

 

They are stating failure to respond may lead to legal proceedings.

 

 

I have received debt letters before from the like of lowell chasing things from years ago

and I just ignore them as I know they won't do anything and the debt with them is statue barred.

 

But this letter from Ashmore seems very profession and different to others.

 

 

I owed around £3000 on a charge card I can with an old company.

 

 

The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is.

 

My questions is what should I do next?

 

 

Should I ignore Ashmore's?

 

 

Anyone dealt with them before?

 

 

Should I reply?

 

 

At present I don't have a default or anything for this debt as it was a charge card.

 

 

I don't want it getting to court and getting a ccj because I am just getting clear of debt.

 

 

But because it a charge card I am unsure if this will effect my credit

or will ashmore credit solutions take it further.

 

Any help would be appreciated.

 

Thanks all

Link to post
Share on other sites

3 threads on same debt merged

please keep to one thread

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Do you think I should ask for a cca? Or a Sar? Or should I sit tight for now? Not sure what to do a little worried now

Got another letter today saying they haven't heard from me and that if I am unable to settle account they maybe willing to set up a short settlement or instalments? Should I ignore seems desperate saying settlement already or they just trying to get my to reply?

Link to post
Share on other sites

so a discount letter

 

 

must be needing monies for the xmas drinkies party.

 

 

pers I'd let it run.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Could I just ask, why wouldn't you pay the money you owed though?

 

As back in May this year, you admitted you ran up around £2000 on the card.

 

Did your Company at any point ask you for the money to settle your bill, after you left?

 

Could you not make contact with them & make an arrangement to settle this once & for all?

 

As me personally, I can't see why your Company should swallow the money that you admit to spending in your last month.

 

It just don't sit right with me...

I don't suffer from insanity, I enjoy every single minute of it!!

Link to post
Share on other sites

  • 2 months later...
thanks I'll let it run for now.

Got another letter today. Pretty much demanding payment by 4pm on 4th March or legal proceeding will begin. Anyone dealt with brachers llp in the past? Can't find much on them in terms of cases? Should I sit tight or request proof of anything? Thanks

Link to post
Share on other sites

Could I just ask, why wouldn't you pay the money you owed though?

 

As back in May this year, you admitted you ran up around £2000 on the card.

 

Did your Company at any point ask you for the money to settle your bill, after you left?

 

Could you not make contact with them & make an arrangement to settle this once & for all?

 

As me personally, I can't see why your Company should swallow the money that you admit to spending in your last month.

 

It just don't sit right with me...

hello it is a very fair question and if it wasn't a massive organisation I would pay the money back. The company has never asked for the money back just Amex. Because it was a corporate card my thinking is the company have to pay it. They are worth billions so 2k to them is nothing. Does it make it right what I have done. No of course it doesn't.
Link to post
Share on other sites

will are you sure it says that

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

will are you sure it says that

dx

 

 

sorry not sure what you mean?

 

 

If you mean the letter.

 

 

It says please pay by 4th March or our clients have asked us to take legal action.

 

 

It could be just a threat letter?

 

 

Never dealt with Brachers LLP before.

 

 

If it was Lowell I wouldn't care less but these seem a little more professional?

Link to post
Share on other sites

have asked...

 

 

doesn't say will anywhere then

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

They are worth billions so 2k to them is nothing.

 

 

There have been a lot of huge companies gone bust making thousands unemployed. Never judge a companies size with how well it's doing or what money it has in the bank.

Link to post
Share on other sites

Ok, is this money you spent on yourself? Or is it stuff you have paid for for work? If its work, submit the receipts and its done. If its your spending, then pay up. You would have signed the card agreement.

I cant believe you think that just because its a big company, they should pay your bill for you. Can you imagine if someone in government did the same? We would rip them to pieces.

I'm sorry but this appears to be a case of trying to wiggle out of a legitimate bill.

Link to post
Share on other sites

  • 4 weeks later...

Hello the company is worth billions and still making billions! Sky! Anyway you are right doesn't make it right. Should of been clear it's not a legitimate bill because it was a charge card that they supplied me and they were responsible for. I never signed anything to say I am responsible or yes correct I would have to pay the money. I have today recieved Northampton county court business centre. I've not recieved a default notice but do I on a charge card? The reasons for claiming are poor? Which I will post up so. I haven't replied to Brachers llp or done anything yet. Any help would greatly be appreciated on what to do next or how to reply? Thanks

Link to post
Share on other sites

This is very unclear to me, especially when you say "it's not a legitimate bill".

 

It's quite simple really: is your spending on this card for items or services purchased on behalf of your former employer, or was it personal spending? If the latter, what possible excuse could you have for not paying off your debt?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...