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About Me


Found 8 results

  1. Hi, I have been on a DMP since 2011 with a number of credit card debts, which all defaulted at the time. All are with external DCA’s now. I’m paying £80 per month, on an outstanding total debt of £20k. I have recently been offered some money to clear them (not enough for the full balance), so have been investigating how I could best achieve this. I understand if a debt is deemed unenforceable, then I’ve got a better chance of a lower F&F settlement. I’ve submitted CCA requests (I did not do this prior to going into the DMP) recently and have begun to get the replies back. I
  2. Hi All I had an American Express debt passed to SRJ and had a payment arrangement in place. A E have now passed that debt to another debt company vilcollections. I am continuing to pay vilcollections but they are saying that no payment arrgt was agreed with them and i must supply an income and expenditure form which is very detailed. They say my payment is a good will payment. What are my obligations? Many Thanks
  3. AMEX have written to me offering full & final settlement out of the blue and unsolicited. The offer taken from the letter : "If you pay just 40% of your outstanding balance still owing, we'll waive the remaining £0.00 of your balance in full and final settlement. In order to accept this offer, please call Amercian Express on 0800-etc. This opportunity allows you to repay a reduced amount from which you otherwise owe us. From Michelle Upton Manager American Express Address Amex House Brighton." They call this a 60% Balance Forgiveness. In brief this concerns an Amex credit card t
  4. Hi Folks, I somehow missed a letter from Amex offering a 70% debt settlement. Now they have reffered the matter to debt collection agent. Can i still get chance of asking for the offer? Cheers
  5. Hello, I've been with AMEX since 2008 and recently I found out that my card has been suspended and to call them to discuss. Well after calling they said they wanted me to show them where the payments from Paypal were going and to provide a screenshot of my Paypal payment history. I refused. A week later I receive a letter saying that my account has been closed and the sum of £3,800 must be paid; 4 days after that I lose my job and have been out of work for the last 2 months. I have held off paying them until my job situation is improved. I received a Default of Sum Notice on the 17th sta
  6. Hi I've been indispute with Amex for about 2 years over a business card debt. They insist its mine personaly i say its the company (liquidated) I have no credit agreement only a application. No T & Cs and the application form only has the business address and company name on it. So i'm happy to stand my ground. They have passed it to several DCAs who have all given up. However after hearing nothing for several months i have have been approched by a new firm (not newmans) They keep phoning me and asking me toonfirm my address before they will discuss anything with me. I refuse to con
  7. I did a CCA with Fredrickson, whom i have been paying for a few years now. They also have a default on my credit files, so i assumed they must own the debt. I rang them today as did not get any POD from Royal Mail two times. The guy at the other end said we received them, and HAVE SENT THE ACCOUNT BACK TO AMEX! I asked how can you do that when you purchased it, hence you defaulted me? answer : i don't know but we've returned it. So i asked why did i not get a letter stating this? answer : we don't send letters out (they do when they threaten court action!). I then
  8. I've just been offered a PPI refund by Amex but they're paying interest net of tax. They want me to reclaim this from HMRC if i need to. This is the first time i've come across this and i don't see any guidelines for this from the FOS. I should be able to deal with my own tax affairs. They're also not offering the interest they charged on PPI premiums. Any advice?
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