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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Declined American Express Credit Card


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I recently applied for an Amex card to help spread the cost of a large house repair bill. Amex declined my application and specifically cited adverse information in the specific credit reference report.

 

I have applied direct to the credit reference agency and my credit score is 98% and there are no negatives on the credit file.

 

Has anyone come across this before?

 

(apologies if this is posted in the wrong place but I couldnt see an American Express sub forum in the Banks, finance and credit forum. )

 

I thought it might be linked to my partner so we applied for her credit report and it is a 100% score so I cannot see why Amex would use this as a reason to decline the application.

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Thread moved to Amex Forum.

 

Regards

 

Andy

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This might help you understand :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69469

 

Have a long read :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

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@disgruntled2007

 

The credit reference agencies use a scoring system to indicate how strong your credit profile is. Without naming the agency on a public forum, my score was 98% out of a max of 100%. That's a pretty high score but Amex are citing an adverse credit report as the main reason for declining the application.

 

This is what I don't understand and wanted to see if anyone else had experienced something similar.

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Forgot to say....I'm not expecting credit as a 'right' but what I am expecting is some transparency as to why the application was declined when my credit history as pretty much as strong as it gets - there were no negatives in the entire credit file - which I have checked out by subscribing to the credit reference agency direct.

 

If I don't meet other criteria for Amex, that is fine but to state a reason that doesn't appear to be correct is the issue.

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How many searches have been made recently? What is your current credit available/credit used percentage? How long have you lived at your current address? How many times have you moved? How many linked names and addresses do you have? How long have you been on the electoral roll?

 

Did you read the guide posted earlier?

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I didnt read the guide - I thought it was to do with finding out which forum to post in, doh! Will take a look.

 

All of the criteria listed by Disgruntled2007 are all positive and I can see that from the credit report itself.

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How many searches have been made recently? one credit application in 2017 and a car insurance quote - would that trigger a search?

 

What is your current credit available/credit used percentage? I have no outstanding credit owed on cards, I don't have other loans or store cards, and no other debt other than a mortgage which has always been up to date.

 

How long have you lived at your current address? 5.5 years at existing address and 7 years at the previous address. My partner is the only linked name and her credit score is the maximum. Been on electoral roll for many years.

 

 

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Please do read the guide... .

It's supposed to answer all your questions...

 

Don't look into the response too much...

Just because you haven't been accepted doesn't mean you need to be paranoid about your Credit Rating ☺️

 

In other words, it's a standard template response and add to that AMEX have very high criteria for their cards...

Try using Money supermarket comparison tool ☺️

Doesn't leave a mark on your CRA. If you had read the guide... You would have known this ☺️☺️☺️☺️

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

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