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onandonandon

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About onandonandon

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  1. Thanks Alan, I spent some "quality" time with that thread - it certainly seems if that was the case then amex would be in the doo doo. But then given the way that things are surely every bank and card would have securitised stuff.. hell I think even the milkman may have done it too!
  2. Hi Alan, I agree, the DN they sent on the flex account carried the charge card acc number at the top, and like you they saw it very much as the same thing. (I think your thread is where I got the belief that the charge card should be covered by the CCA) I've scanned over the securitisation thread, but not much has sunk in of it - what is the net effect of it, I mean is it good for them or me? Cheers O
  3. Hi Alangee Thanks for spotting the name.. removed now. On the notes I mixed up Charge Card and Credit Card application, but they are both there - I had read that the flex part pushed the Charge Card in to the realms of the CCA because of the £200 thing. On the Credit Card application it does say "Credit Agreement Regulated by the CCA 1074" It says that I confirm that the info given is accurate By signing I agree to the Ts and Cs I request Amex to issue me with a card and replacement cards I authorise additional cards as requested I understand that the Ts and Cs f
  4. Hi Monty, Thanks for that, I was reading about your "adventures" with amex and friends earlier this morning. Could you give me your thoughts on the flex select part of the charge card where purchases of £200+ got pushed on to credit, also I would appreciate you take on the cancellation - it references the charge card account number at the top and copy of the letter says "account and credit card" which to me says both my charge and credit cards - but you never can tell..... Thanks again for the advice
  5. Oops yes thanks for spotting that.. will post it now... thanks again
  6. Ah.. so I guess that as I've only received the one, and they have cancelled the accounts then the opportunity to offer other DN's has gone.And bar the arrears they can't ask for any other money either Thanks
  7. Hi CA thanks for that great letter. Am I correct in assuming that the flex part of the charge card thing where anything over £200 on the charge card was pushed to flex select credit pushes the charge card into being something which ought to be covered by the CCA. Also is it significant that the only DN that they have sent relates only to the flex part to which no agreement was sent to the original CCA request? And in your opinion have I read their cancellation correctly in that it cancels both the charge and credit card accounts? Thanks so much again (especially as its a Sunday
  8. Thanks J - I took a look at that - if I can't alert them to the bad DN how do I progress it? The DN that I got refers only to the flex select part of the charge card, nothing on the credit card, or the charge card. And the cancellation letter appears to cancel both the "account" the charge card account which is covered over and also says that is cancelling my credit card card account, and the letter appears not to reference the default notice - just a blanket cancellation. Also the cancellation of both was confirmed in two separate letters (one for each) from the DCA - RMA saying the
  9. Thanks for that. I just re-read the default and I see exactly what you mean. So I should right to them saying - that I do not acknowledge either the applications as binding for the lack of terms within the documents and that default letter whilst received has not been served because of the lack of date. And now that they have taken the decision to cancel at best their expectation should be limited to arrears only and that any info passed to referencing agencies was without basis / justification and as such should be removed. In calculating that figure, I can see the £59 for the
  10. Thanks C, that sounds heartening. For my own knowledge can you point out where the Applications and defaults fall down. And also would welcome your opinion on the cancellation letter. Many thanks again
  11. First post from me so sorry if I have missed anything, though firstly what a fantastic site - just knowing that there are others in the same boat and hearing what they have to say has been the biggest help- so thank you to all the posters on amex and the other cards. I was wondering if those in the know could shed some light on my situation and the documents from amex.... Long story short, I was unable to send money to amex on both a credit card and charge card which had flex select attached to it - which basically shunted off any spend over £200 on to credit., this went through all
  12. First post from me so sorry if I have missed anything, though firstly what a fantastic site - just knowing that there are others in the same boat and hearing what they have to say has been the biggest help- so thank you to all the posters on amex. I was wondering if those in the know could shed some light on my situation and the documents from amex.... Long story short, I was unable to send money to amex on both a credit card and charge card which had flex select attached to it - which basically shunted off any spend over £200 on to credit., this went through all the calls from them
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