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PPI on Amex card


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Use the FCA/fos websites and forms

Don't just ring or write a simple letter

Nor use resolver

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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Thank you dx100uk I was gonna move straight to SAR to find out exactly what they do have on file, on a seperate note the account was closed in 2007 and I have a letter stating my account at that time was £30 in credit for which I have never been paid, perhaps it will jog there memory when I show them the letter.

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amex is usually pretty good on sar,

but it might end with you sending copies of all stuff you have with you fos questionnaire

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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that's not what I said to do

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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Share on other sites

correct but you still use the fos questionnaire and send it to amex

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... 

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Share on other sites

  • 1 month later...

Hello fellow Caggers just an update on my case of PPI with Amex,

 

my SAR paperwork arrived very comprehensive and all the way back to 2007,

Amex clearly stated I did not have PPI even though it appears on some old statements I already had.

 

The SAR also showed a negative balance for a small amount that goes back years and is still with AMEX.

 

I'm interested if anyone else has been in the same position and had a negative balance on an old card that has only just come to light.

TIA

Edited by dx100uk
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can you scan some examples up to ONE multipage pdf please

 

read upload

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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Share on other sites

CITI Card Canadian square operations.

start your own thead please

 

a new thread

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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  • 1 month later...

Hi Caggers

I recently sent a SAR to AMEX chasing PPI I had with them,

 

when all the statements came back it also shows I have a small amount I must have overpaid to them back in 2004.

 

I don't use the card any more and have never had a cheque for the balance I'm owed,

 

they continued to send statements to my old address even though I gave them a new address.

 

Anyone else found themselves in the same situation? TIA

Edited by dx100uk
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Well if you overpaid them then you should claim it back. Was there any PPI?

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only 8% statint

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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As stated above, in respect of the overpayment you will only get eight percent.

 

In respect of PPI, you should be able to recover that plus interest +8%

in respect of the charges you should be able to recover them, plus interest +8%

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Thanks BankFodder/dx100uk I didn't know about the 8% statint so that's good, not as good as the 1.2% daily interest AMEX charge when you owe them lol. All up I could probably be asking them for couple hundred £, will keep you updated thanks.

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