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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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American Express Corporate Card


chimp123
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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

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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?

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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

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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

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  • 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

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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

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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... 

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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... 

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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?

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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... 

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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!!

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  • 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

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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.
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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... 

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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?

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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... 

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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.

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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.

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  • 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

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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?

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