Davey vs Amex

[citizenB]

I find it quite amusing that all communication from the FOS, ICO, OFT, TS, appear to start off advising us they are snowed under with work.

 

So, you are no further forward really are you ?

[davey77]

Hmmm good that they'll process it as soon as you fill in the form and send it back but is it just me that feels they dont really know what securitisation is and hence dont know if its applicable to the act?

 

S.

 

Or worse.. my first thought was that the ICO want to calculate what the potential profit lose for the creditors could be before giving an answer.

 

As we know, most of the aims of the so called regulatory bodies (ICO, FSA, FOS TS etc) is to protect their powerful cousins in big business against massive loss. With this as an example... why need a specific case? The question is actually quite straight forward after all?

 

Perhaps i am paranoid.. i will send the complaint off along with a copy of the email and we shall see what the response is....

[davey77]

I find it quite amusing that all communication from the FOS, ICO, OFT, TS, appear to start off advising us they are snowed under with work.

 

So, you are no further forward really are you ?

 

True.. makes you wonder.. it's a great excuse not to launch an immediate investigation: "Sorry, snowed under, will do it one day tho".

 

No further foward no. No contact from NCO/RMA. TS told me to get stuffed and i haven't bothered to reply to them. Was all geared up for it but i have lots on at the mo (for different reasons) and for now really only need to spend time writing letters that are either going to have an effect or get a positive result. Therefore the stinking useless and cowardly TS are at the bottom of the list.

 

I am considering this for any further DCAs via amex to save some time until such time that i.. A. Start Court action or B. Get a Solicitor to take them all the way to Court:

 

Dear DCA

 

"Without Prejudice"

 

**** **F

 

Yours Sincerely, Davey

[Alphageek]

Dear DCA

 

"Without Prejudice"

 

**** **F

 

Yours Sincerely, Davey

That'll work

[davey77]

NCO gave up.. Now AIG are trying it on.. usual get lost letter off to them today:

 

[smouk]

Ah well, that's it then!...the game's up now Davey. Nobody ever escapes the claws of AIC! Well, er, except everyone who ever tells this bunch of low down lying vermin to bog off.

 

Where is that nice Mr Gilmour these days? He's my favourite. One day I might just hop on a train and go see him - no threat, just want to know what the worm looks like.

[blueotter]

Subscribing to this thread with interest.

I have my own thread with amex that concerns 2 accounts that i cca'd.

Also had dealings with rma and westminsters threatening all sorts but that was before i sent in the cca request,had nothing from them since and its taken amex 3 months to reply,usual defective default notice as well.

 

They replied with an application form for just one account,nothing for the other,told me it was enforceable and also that they only have the current t+c's etc !

I'm constructin a reply but will read this thread later and see if its similar,.

Good luck with the crusade mate,you look to have it under control.

[davey77]

It's now December and nothing further heard from AIC or Amex (or anyone else for that matter.)

 

All quiet.

 

Merry christmas everybody!

[Desperate Daniella]

Quiet for me too.

 

Merry Christmas Davey and everybody.

 

(On this site, I mean. Obviously not everybody, and especially not AIC. ).

 

DDxx

[citizenB]

Merry Christmas Davey:D

[smouk]

Any update Davey?

[davey77]

Any update Davey?

 

hey smouk.. none whatsoever. Nothing. zilch. They gave up and i haven't heard another peep from Amex or their pond **** in quite a while.

[blueotter]

Hi mate,

been subscribing to your thread as i'm in a battle with amex ,i'll update it later but just to let you know that i recently received a letter from United Credit Alliance (sounds like a task force !!) asking me when i was going to pay up.They're acting on behalf of amex apparently,i'd heard nothing from them for months,a bit like you.

I have 2 amex accounts and cca'd them mid last year,received the basic application form for one and nothing for the other ! Needless to say a suitably worded reply is winging its way to uca !

[Desperate Daniella]

Hi Davey and everyone,

 

Suggest everyone who isn't already there has a look at Shakespeare62 - v - a NastyBank He is going against them for turning up at court with an [EDIT] "original" agreement.

 

DDx

Edited February 11, 2010 by Rooster-UK
Libellous comment removed

[volvodriver]

DD

 

I suspect you will be cagbotted if you dont modify your post to be factual.

 

The status of the document at this time is unproven.

[Desperate Daniella]

Thank you for the edit, Rooster.

 

DDxx

[Desperate Daniella]

There are several of these "agreements" now and I expect their status will be fully investigated now that an expert witness will be instructed.

 

DD

[davey77]

Well looks like Amex' poodle didn't go away after all. (yawn yawn).

 

Shall i bother with a reply.. hmm if i feel especially bored today i might:

 

[foolishgirl]

It seems Amex have found a way to produce a rabbit out of a hat, albeit one in wolf's clothing & I suspect they are now chasing up on previously unenforceable debts with a view to producing this newly found evidence in court.

To see what I mean, if you haven't already done so, check this thread out Davey:

http://www.consumeractiongroup.co.uk/forum/legal-issues/191784-shakespeare62-nastybank.html

 

You may be at the start of a long battle.

[banker_rhymes_with]

Hello Davey77!

 

Usual DCA Lawyer Threats.

 

See the Thread FG has linked to for what they may try if they elect to try this one on.

 

However, I think you should write back, mainly to add a letter to the chain that shows what nonsense this bunch are spouting.

 

 

• This would be Small Claims Track, so what costs did they have in mind (apart from minor ones such as Court fees)?
  

 

• Likewise, what Statutory Interest did they have in mind (hint, s69 County Courts Act 1984 8% Interest cannot be claimed in respect of a Regulated Agreement, although Amex always tried to claim this in the hope that nobody will notice)!
  

 

• The list of Threats is a breach of the OFT Debt Collection Guidelines, because they are clearly trying to say they will be in a position to carry these out after Judgment, forgetting the minor issue that you would first have to lose the case, then be in default of that Judgment before any of these Threats could be considered.
  

 

If nothing else, this will show the enemy in a very bad light if and when they decide to try their luck against you in Court.

 

Cheers,

BRW

[davey77]

Hi BRW.. nice to see you.

 

Thanks for the usual info. Haven't replied yet so i will certainly add that info and don't expect to hear from them again there after... probably. lol

 

Foolishgirl:

Thanks for the link and info. Just back online again now so will look into that with interest.

[blueotter]

How did you get on with the letter Davy ? My two are now with moorcroft so I,ve just written to them explaining about Amex non supply of my cca ,interesting to see what they reply with !

[davey77]

How did you get on with the letter Davy ? My two are now with moorcroft so I,ve just written to them explaining about Amex non supply of my cca ,interesting to see what they reply with !

 

Didn't get much back to be honest. And i am on auto pilot regarding DCA rubbish these days.. i hardly bother to even file or read the stuff. If it's from a DCA i just bin it/ignore it.