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Mike J 1973

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About Mike J 1973

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  1. Mike J 1973

    Amex

    Stupid question but how do I advise changevof advise without acknowledging the debt?
  2. Mike J 1973

    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 DCA, so I’m just sitting tight. However quick question, I’m about to move house, so should I inform Amex of my change of address?
  3. Mike J 1973

    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.
  4. Mike J 1973

    Amex

    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.
  5. Mike J 1973

    Amex

    I've been through the comms log in detail, the last action was from a DCA 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?
  6. Mike J 1973

    Amex

    They haven't issued a default. Should I be trying to settle this or be sit till I'm chased??
  7. Mike J 1973

    Amex

    I have the SAR, I've gone through my statements and as I thought there is no PPI, there is about £50 of late payment fees from just before I put the account into a DMP. 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.
  8. Mike J 1973

    Amex

    I hope you are right but suspect there is no PPI. If there is not I'll have to go to the DCA and see if they will still go for the 50% over 2 years. I'll post again once I get the SAR.
  9. Mike J 1973

    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 sar today. When I get the SAR what should I be looking for?
  10. Mike J 1973

    Amex

    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?
  11. Mike J 1973

    Amex

    i believe the insurance was to do with cared holder benefits i don think i had any ppi but will check when i get the sar. i have scanned in the next document, you will see there are none of my details on here, i haven't blanked anything out. this is the second part of the second document. Everything else is just periodic changes to T&C's, i can scan those as well if they would help? CCA 2 Part 1.pdf CCA 2Part 2.pdf
  12. Mike J 1973

    Amex

    I signed the doc on the 31/01/06 As well as what I have scanned in I have a document titled 'Credit card Agreement Regulated by th consumer credit act 1974' At the top it has issuer which is filled in next to that it has 'debtor' and 'the cardmember' both are blank and there are no dates. That is a 13 page document. They have also sent a document titled 'your insurance documentation' That's an 18 page document, again no dates. I have a letter dated May 2006 which references changed to T&C's and a notice of variation in accordance with the consumer credit act 1974. I have a number of those changes if T&C's. I can scan this all in if it would help, it all looks very generic.
  13. Mike J 1973

    Amex

    Ok the CCA should be attached in PDF format, any advice / thoughts would be great. I think the quoted APR is incorrect as I am sure it was 6.9% the document is from 2006, the ref number that I have blanked out on the top is in my handwritting so I assume I must have been given the number to write on at some stage. I will send a copy of my passport and a utility bill to get the sar completed that I guess will give me all of the statements and therefore the interest rate. Thanks Mike CCA return.pdf
  14. Mike J 1973

    Amex

    Yes I have moved, today I get the reply to the CCA request (with my £1.00 returned, I dont know if that is significant) , there is probably 50+ pages mainly changes to t&c's but I have scanned in what I believe is the relevant pages. At the top of the first page there is a reference number that I have written on, I am assuming I will have been given the reference number and told to write it on but cant remember it is over 10 years ago. Does this appear to be enforceable? In terms of the SAR, should I send the info they have asked for
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