AMEX(Newman) Debt

[LarissaJ]

If a female answers our telephone they insist that its me, i have two daughters and a lodger, (who is getting very annoyed). If my husband answers, they ask him questions about me, and they try to wind him up.

[rev.ian]

I think you need to tell them the call is being recorded as soon as you know its them.

Make notes and report this to OFT.

Did you send the telephone harassment letter recorded, if so check they got it.

[LarissaJ]

I have now received another letter, this time from HL Legal & collections, threatening court action in 7 days. However, I have to rply to AIC, and not HL Legal..........strange!!!!

 

Is this just another scare tactic?

[LarissaJ]

please help me, i dont want to make a wrong move here

[LarissaJ]

I would appreciate any help on this, i want to be ready in case they do issue court proceedings next week and I don't want to end up on the last minute, i have tried reading though other posts on here to get some background, but there are so many differnet cases and I am finding it all very confusing.....HELP!!!

[rev.ian]

Sooner or later Amex will start legal proceedings, You need to stay calm and not meet trouble half way.

You can win the case on the default notice alone.

The worst scenario You loose the case and a judge will ONLY MAKE YOU PAY WHAT YOU CAN AFFORD.

When they start you will be talked through what to do and given a defence to use by one of the more legal minded guys on here.

[LarissaJ]

Hiya! just an update - I am still being passed around to different DCA's it's moorcroft at the moment.

[LarissaJ]

another update, still being passed around, it went from moorcroft toHome Collections Services, who offered a "substantial discount" and an "interest free repayment plan", they got the bemused letter and now I've got vilecollections (they are about to get the bemused letter too).

 

I've just had a quick read through this thread and I can't believe how much I used to stress about all this! I have been reading many of the other threads and have a much better grasp of everything now and I am not scared of court anymore!

[LarissaJ]

Hi guys, another update! Not heard much from these for ages, but have now just had a letter from Amex offering me to pay just 40% but unfortunately, I still cant afford this. They have also sent (separately) a statement of account and on it, it says:- "Your account is cancelled and has been referred to a collections agency. The full balance is now due, so to avoid any further action please pay the closing balance reflected on the statement immediately" Is the faulty DN still making it unenforceable, or have things changed now?

[citizenB]

Larissa, can you let me know in what way the DN was faulty. Nothing has changed in that respect if the DN was invalid, then it certainly hurts any claim they wish to make - you just shouldn't rely on this alone though, so you would need other "problems" to back it up.

[citizenB]

Is this account still with Amex ? I am surprised they haven't offloaded it to a Debt purchaser ?

[LarissaJ]

Hiya, thanks for you reply! They have passed it around to many different dca's but until now, I've not heard anything for ages and this is from Amex. The DN didn't have a date on it, it just said "14 days from the date of this letter"

[citizenB]

yes, I have just read that they blew it on the date. I am surprised they haven't reissued the default notice - which they can indeed do. So they obviously haven't realised there was a cock up

 

I was also interested to see that they had threatened to issue a statutory demand - then never did. Obviously they were using that as a debt collection tool which they are not permitted to do.

 

It would appear there are also some unlawful charges on the account - might it be a good idea to pop those charges onto a spread sheet to see how much the debt will reduce by as there will also be a wadge of interest on that as well.

 

Do you know if they are still adding interest and charges to the account ?

[LarissaJ]

they stopped putting interest and charges on and yes, that might be a good idea to do that with the charges, do you happen to know off hand where the link to a spreadsheet is?