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Polymath

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  1. OK, Long time no action... Returned defense which was submitted on time. Received a pack on Friday with the court date, (set as my local court) on the 10th of November 2015, this contained a statement from the solicitors, statements from my card use, copies of letters from solicitors to me.It also contained a copy the initial agreement signed by me, however unlike my original copy the top is very dark and you cannot see the text "joint & several liability". It also contains a copy of Thompson V London, Midland & Scottish Railway, court of appeal documentation 14 May 1929. I received another letter today (without prejudice save as to costs) asking if terms can be agreed we could avoid court action. Regards
  2. HI, Received a response from Brachers today, the letter states that they acknowledge my request, and will be contacting Amex to obtain the information. Still nothing back from Amex directly. What is my next step i need to submit a response by the 16th. Any help greatly appreciated. KR Polymath
  3. Hi, The card had my name with company name underneath, and was marked corporate card. It was used for all related expenditure connected with business, this was settled directly by company to amex on receipt of completed claims forms, any other 'personal' expenditure was settled directly by me. KR Polymath
  4. Hi, I acked the claim on Friday, and have since carried out all the other instructions and sent via registered signed for the other letters to the claimant and solicitor. Thanks again for all your help P0lymath
  5. Name of the Claimant ? - American Express Services Europe LTD Date of issue – 15 July 2015 What is the claim for – the reason they have issued the claim? Money due for charge card services supplied (card number ending xx) to and at the Defendants request as detailed in monthly statements rendered culminating 12 September 2014 plus statutory interest pursuant to S69 County courts act 1984 at the rate of 8% per annum. Sum due at 12 September 2014 4137.9 less credit 0.00 Statutory interest 12 September to date at 8% per annum 277.51 The claiment claims the sum of 4415.41 plus continuing intrest 0.91 per day until judgement or sooner payment pursuant to S69 of the County courts act 1984. Costs the claimeent has complied with parts III and IV of the practice direction conduct, dated on this day 14th July 2015 What is the value of the claim? 4680.41 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? no charge card When did you enter into the original agreement before or after 2007? before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - Original creditor Were you aware the account had been assigned – did you receive a Notice of Assignment? - no Did you receive a Default Notice from the original creditor? - no Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - no Why did you cease payments? - I made all relevant payments What was the date of your last payment? - 14th February 2014 Was there a dispute with the original creditor that remains unresolved? Yes as in original mail Did you communicate any financial problems to the original creditor and make any attempt to enter into a dmp plan? - NO Thank you will carry out all other actions today Polymath
  6. Hi, Looking for a little advice on how to proceed,I I have received a CC claim form from Amex\Brachers regarding an outstanding balance on my former Amex Corp Card. I got made redundant in January 2014, before leaving the company I submitted my remaining expenses to the company for payment (The company paid Amex dues directly). I calculated my personal expenditure approx £2500 and paid this directly to Amex in February 2014 and I received my redundancy payment at the end of February.2014. In March I received a letter for late payment charges on an outstanding balance of £4415.41, I responded to them that I had submitted expenses to cover this amount with my former employer and did not hear anything else until April where I was contacted by Amex claiming to be the debt recovery department and asking when I would be settling my outstanding balance. I explained as before that i submitted expenses to cover this amount, and that they should take the matter up with my former employer, after a lot more call repeating the same information, I attempted to contact my former manager, the personnel department and the expenses department via the contact method for ex-employees. After a lot more emails (the only method on communication they accept) It was confirmed that my expenses although submitted were not paid as my former manager who is from Belgium had declined to approve them . My manager has refused to comment on this despite email phone calls & Txt's. The personnel department will not get involved as I am now not an employee. I repeated this information back to Amex who said they would contact my former employer for clarification, I was then sent a list of statements by Amex detailing the outstanding balance and a demand for payment and a hefty interest/latepayment charges. This conversation has continued and continued, Brachers then got involved and even suggested that I should sue my former employee for the money ! I am not in a position to pay the outstanding amount, my former employer is refusing to get involved, I have also learnt that former manager has now left. I am getting nowhere. I am still out of work with many other debts starting to pile up and this driving me insane. Any ideas on how would i file this as a defence for the CC, would this be accepted as a defence or am i wasting my time get the ccj and offer a £1 a month until restart work (hopefully soon). Regards Polymath
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