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Thread: Amex

  1. #41

    Default Re: Amex

    cared?


    don't worry about the T&C's if they've not got YOUR name on them
    bogroll


    think you are going to have to await the SARicon and all the statements.


    dx

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  2. #42
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    Default

    Sorry should have read Card Holder Benefits, I'm currently holding a baby and doing this with one hand.

    Are you saying you think the CCA is enforceable?


  3. #43

    Default Re: Amex

    haven't done that in a few years....


    the cca could be ok as such
    but i'm more interested in bottoming out this massive discount.


    so at present you've no statements?

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  4. #44
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    Default Re: Amex

    Shame about the CCA, I was hoping as it lacked a signature from there side it maybe unenforceable, I only have recent statements, im sending the ID for the SARicon today. When I get the SAR what should I be looking for?


  5. #45

    Default Re: Amex

    use copy of CTAX bill too as the SARicon told you in the first place..................

    their lack of sig does help you no...

    obv when you get the statements
    I bet theres £1000's gone out to PPIicon [or whatever they call it ] every month in dribs and drabs that you never signed up too.?

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  6. #46
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    Default Re: Amex

    I hope you are right but suspect there is no PPIicon.
    If there is not I'll have to go to the DCAicon and see if they will still go for the 50% over 2 years.
    I'll post again once I get the SARicon.


  7. #47

    Default Re: Amex

    no you do not deal with any powerless DCAicon


    they ARE NOT BAILLS
    AND HAVE
    NO SUCH LEGAL POWERS.


    DX

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  8. #48
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    Default Re: Amex

    I have the SARicon,
    I've gone through my statements and as I thought there is no PPIicon,
    there is about £50 of late payment fees from just before I put the account into a dmpicon.
    The vast majority of the debits are the interest charges as you would expect.

    Apparently the account is with FirstSourceLLP but they have never contacted me, not really sure what to do.
    Amex have not registered a default and the account does not show on my credit file
    but I really don't want it being added back on and adding a default.

    Should I go back to Amex or FirstSourceLLP and see if they will still go with the 50% settlement offer which is about 4K which they had said they would accept over 2 years.


    I'm tempted to offer the 2k paid by the end of the June which I could just scrape together.


  9. #49

    Default Re: Amex

    look at the SARicon comms/account log
    find the old default or default notice date.
    then it cant comeback on your file

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  10. #50
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    Default Re: Amex

    They haven't issued a default. Should I be trying to settle this or be sit till I'm chased??


  11. #51

    Default Re: Amex

    let see the next move


    I really cant understand this discount
    there must be a reason in the SARicon you are not spotting
    go read the comms log very carefully

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  12. #52
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    Default Re: Amex

    I've been through the comms log in detail,
    the last action was from a DCAicon closing the account as it was uneconomical to recover.

    My last contact from Amex said it had gone to a different DCA but I've never had any contact from them,

    I've also heard nothing more from Amex.

    Do I just sit tight?


  13. #53

    Default Re: Amex

    so def no sign of an old default?

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  14. #54
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    Default

    It talks of a default for a couple of hundred quid but the account balance is over 8k.
    I've never seen a default and the account doesn't show on my credit files.

    I've just look through some more documents,
    I have a letter from 3 years ago which is a notice of default saying if I don't pay X within 14 days the account will be terminated etc. That payment was never made.


    From the comms log it says they stopped reporting to the credit references in 2015 but they don't know why!


    The question on an internal email has been asked if the account has been defaulted but there is no reply to that question, just saying nothing is being reported to credit reference agencies.


  15. #55

    Default Re: Amex

    I would suspect that it was defaulted years ago.
    and that's why it doesn't show.

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  16. #56
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    Default Re: Amex

    So should I just sit tight? My concern is my other defaults drop off in a couple of years and if Amex stick one on now I'm back to square one! As I say I'm not be chased, nothing on credit files from them.


  17. #57

    Default Re: Amex

    id let it run
    I expect they know more than you.


    dx

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  18. #58
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    Default Re: Amex

    Ok thanks


  19. #59
    Basic Account Holder
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    Default Re: Amex

    So quick update and question, every month I get a statement from AMEX which says the account is closed the full balance is due and its been referred to a collection agency, no interest or charges are being added, but nobody has been in touch from any DCAicon, so Iím just sitting tight. However quick question, Iím about to move house, so should I inform Amex of my change of address?


  20. #60

    Default Re: Amex

    Yes and not only on this debt
    All listed creditors you might owe money too

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