Hi, I have an Amex card (nector) and have been through hell and back with the companies that they employ when you default. I wrote to them last year as with all my creditors and had no response. I was the chased by a company which evenutally paased the case on to Westministers Solicitors- at this point i appointed my own solictor as they were not responding to my letters. The solicitor asked for the CCA but never got a reply back- this was in March 2009. I now have recieved a letter from Amex offering a reduced settlement figure. My question is have they not already defaulted by not providing the CCA agreement when it was asked for? or can they still chase this and go to court? Rish