American express - CCA return + PPI Reclaim

[247orbital]

I understand that Amex in Brighton is one of the main offices in the UK.

[intree]

Hi I have always dealt with Brighton dept 333

 

I have received a letter again from Amex, detailing that they will now pass the matter on to a firm of solicitors as I did not resolve the debt with RMA and mercers, they indicate that they will issue a claim without further warning after 14 days..

 

Are they real as they have terminated this account and issued a letter to state this on the back of a Defective DN - I guess they will try and llitigate on the hope of getting a favourable (incorrect) judgement from a irresponsible DJ.............sounds quite scary now!!

[intree]

Hi all

 

Just received a letter from Moorcrap as follows, Please can I have some advice and guidance...thanks

 

Pre Court division

 

 

 

Dear

 

We have been Instructed by American Express to collect your overdue debt of £8100 (this has now gone up from the DN which was defective by £1500 quid:mad:)

 

It is a legal requirement to send notice of intended action before legal proceedings in the County Court are issued. We believe this letter fulfills this requirement even if it is not actually not read by you.

 

To prevent our recommending to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 days or contact made with this office immediately by telephone or by letter with your payment offer. Both our client and we do not wish to take this action, but if agreement cannot be reached by 01/04/10, a claim can be issued by our clients solicitors without further notice.

 

We would draw your attention that if Judgement and an order for repayment in full is obtained and remains unpaid, the following options may be considered:

 

1. Warrant of execution by baliffs against goods owned

2. application for attachment of earnings with your present or future employer

3. Application for a charging order on any property you may own or are purchasing under a mortgage.

 

We would emphasise that should Judgement be entered against you this may affect any future credit application you make elsewhere. We would also draw to your attention that all legal costs incurred are payable by the debtor.

 

Your sincerely

 

A.J. MARTIN

Debt Recovery Manager

[count orlok]

That exact same letter (save for the creditor and account details, and dates) has probably been sent to 1000s of people. I have had it on a few occasions and nothing has come of it, even if not read by me.

 

They cant even spell; they keep writing orcroft when they mean rons!

[fuzzybobble]

I've had tons of Moorcroft letters like that. I ignored all of them and raised a formal complaint with their complaints department. Then they scuttled back under their stone and pass the account back to the OC.

[Bazooka Boo]

Bloody Moocr@p, send them a LBA outlining that you will be taking them to court, if they continue to harass you and demand money by menaces, money which you do not owe.

 

How much was the arrears, and have you paid them this?

 

Have you accepted their repudiation and then sent hem a letter saying you agree to their unlawful rescission and here's the money thank you, good night!

[intree]

Hi all

 

This amex problem has gone round all the way again and I have just had a letter from Moorcrap....from the operations manager - sending me a copy of the 2000, signed agreement (which they terminated with a defective DN, and which I accepted in writing) they have stated....

 

"Please find attached the copy of the requested agreement, which is made from the Original held on file, we now expect you to repay the debt owed and make proposals for repayment, this account is no longer on hold or in dispute"

 

Are they serious?

 

I just don't understand how they can send a copy of a apparently defective agreement from 2000, then terminate it and then try and re-instate it again, through these clowns.................obviously they are trying to pull a fast one, by confirming they have the original, should they -proceed to court.......PLEASE CAN I BE ADVISED WHERE I STAND/.

[London000]

Hi there,

 

I have been on this thread for a while and although I am not very good in giving advices I happen to be in the same situation....aren't we all on one point.

 

I have sent Moorcroft the "Do not aknowledge any debt " letter then they have sent "Littigation" letter, then I have told them to show all the docs they rely on - they've never sent anything but they've had a break for 2 months, then surprise,surprise - letter from them followed by another CRA called Robinson, then in the same time Halifax....

 

I now keep ignoring them until they will go to court - which I am sure will never happen, until the 6 years are up hopefully...

 

I have sent them the Notice of removal of all the data to Halifax and CRA AND HAVE NEVER HAD A REPLY...nor I will ever reply to their letters.. keep copy them then they will stand down as they will be tired and possible will lose all my file:p

 

I keep looking around the site for more good news but let the seniors take charge...

 

Good luck and my best thoughts are with all of us here,

 

DD:)

[intree]

Just received another copy of the AMEX 2000 application with a letter confirming that all held action will now be reinstated - despite the fact that they terminated on the back of a defective DN.

 

I am going to ignore now until they take further action via court.

[Holsten_45]

Hi New on here. Can you clarify if the card being refered to here is an AMEX Credit Card or a Charge Card.

I have a charge card and wonder if it is unenforceable, Taken out in 1999 but just under an application.

Also is there any company that will deal with me directly to Audit an agreement without going through an ‘introducer’ (@£400!)

Thanks in advance