I read a BBC news item that the County Courts are so clogged up with CCA cases that intend to have a couple of test cases on their enforceability. How will this affect those of us prepping up to go to court in the light of the recent smt37 vs Morgan Stanley/Goldfish/Barclaycard case? Indeed someone from CAG made a comment on these test cases. Where to now? Check out: http://news.bbc.co.uk/1/hi/business/8037983.stm

Hi Unhappy I too the address from their statement, so I originally wrote to them at: American Express Services Europe Ltd. Edward Street Brighton BN88 1AH However they replied from: Claire Crawford Credit Relations American Express Services Europe Ltd. Department 880 Amex House Edward Street Brighton BN88 1AH I hope that helps. 8)

hi Slick Thats not being Devil's Advocate, you're just dotting the 'is' and crossing the 'ts'! In any evnet I did give them a full list of dates in my complaint letter and I dont answer the phone on those days anyway, so I am already implementing the necessary action to trump them. I've also been advised that irrespective of the exitence or absence of a CCA, valid or otherwise, a breach of HR legislation could mean that any alleged debt is wiped out, but the situation on late payment/default charges is less clear in that instance. So in effect I'm fighting on two fronts ~ the lack of a valid CCA and breach of my HR. Of course I also get instant gratification since they are unable to contact me by telephone. Oh great joy!

Talking about thorns in sides straight after Easter I'm going for £5k damages from them for the incessant telephone calls & texts I'm getting from them. I actually have it down to a fine art. I refuse to give my date of birth, tell them to put it writing and hang up. Anyway, I also used the CAG standard harrassment letter and reported them to my local trading standards office who are very good. I also belong to a minority ethnic group and am going up that path with the human rights and ethnic NGO as they 'phone me on my holy days, so they are infringing my human rights in being able to practice my religion freely and peacefully without let or hindrance. That should spoil their weekend! Thankfully I'm not phased by these box tickers as I fought terrorists & insurgents for 11 years and someone in a northampton call centre is nothing compared to hereford! Do they know who they are dealing with?

Hi Angel, well yes it did. But then they've been fighting a rearguard action on the plain vanilla banking front PLUS they know that they dont have a leg to stand on and that I and a shed load of other CAGers are coming after them. If you were in their position wouldnt you procrastinate and obfuscate?

Thanks for the tip Shadow. I'm already sitting on my hands on a B'card situation because of the same case, so I'm used to waiting. This looks like its going to be intersting. I assume that the N244 and other docs are all on the thread dealing with the diclosure route?

Hi Slick, and thanks for the prompt response. As you suggest I'll keep a watching brief on the outcome of the current case. As far as charges are concerned, yes I have set up a spreadsheet for charges and another for calls (silent and live) plus texts. I've passed that onto my local Trading Standards office who sem to be on the consumer's side and have been really helpful. I've also used the harrassment letter template but as yet they havent replied. More waiting, but I'll give them another 14 days and send them a chaser.

Hi Shadow Thanks for that. I assumed so but I have been known to miss things occasionally, so its great to get confirmation. Let's go get 'em!

Good afternoon After going the regular CCA route, all I received was a copy fuzzy application and a standard T&C. I then went the Disclosure Before Proceedings rout to get my CCA, but they have ignored me. They have had nearly 2 months to respond to the 2 template letters http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html as shown on that page. So, which way foward now?

Good afternoon everyone Well, I toiok Slick's advice and went the disclosure before action route to get my CCA from B'card, and this is their reply: http://i721.photobucket.com/albums/ww211/Zeilig/Barclaycard1-April2009.gif http://i721.photobucket.com/albums/ww211/Zeilig/Barclaycard2-April2009.gif http://i721.photobucket.com/albums/ww211/Zeilig/Barclaycard3-April2009.gif What do other CAG-ers think of this reply? They havent sent me a CCA, just an application and a seperate set of T&Cs

Hi Angel. Yup, I'm going to duff them up by making a request and following through to an application to the court! Puts me in the driving seat. I dont think that they have a leg to stand on and they know it. Once I've explored all avenues including the SAR route I'll start proceedings. I reckon that they will go as far as the door of the court and then cave in. Interestingly they dont 'phone me anymore, they just send me texts asking for cash and that my credit rating may be affected. Have a smashing weekend. Z

Hi Angel, thanks zillions for that. Phew, anyway I edited & deleted it so it should be OK now. 8)

Hi Angel, thanks for the tip. I can imagine that every bank, cc company, DCA or anyone who is petrified of CAG have whole departments whose sole activity is to go througfh the posts here. Anyway, I've deleted the upload document and if anyone wants to see it they can post a request here or PM me and I'll upload an amended version. I really dislike Photobucket as its a real palaver to scan the stuff in and upload it. Isnt it possible to simply upload a PDF file as an attachment to the post? If so why dont caggers do it? Following on from Slick's suggestion (post #2) I'm about to send them a disclosure prior to action letter. I'll try this other route and see what happens. At the very least this activity costs them money and energy and ties up their resources.

Hi Slick Thanks for that. I'll write asking for a signed copy of the Agreement under the disclosure rules and over the weekend I'll start on a spreadsheet listing all the charges. The longest journey starts with a single step, but I feel that I'm in control and that I'm working at my own pace rather then having to react to events as they are forced on me. Great! I'll post updates here as the story unfolds as I hope that my journey will help others. Regards Z

Yup, I have all the statements going back to 1999.