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Davey vs Amex


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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 ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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....

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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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

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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  • 1 month later...

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

 

AIG.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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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.

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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.

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  • 2 months later...

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

 

All quiet.

 

Merry christmas everybody! :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Merry Christmas Davey:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...
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. :D

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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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 !

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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 by Rooster-UK
Libellous comment removed
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  • 4 weeks later...

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:

 

HLLegalAmex.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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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. :(

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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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

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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. :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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  • 4 months later...

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 !

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  • 2 weeks later...
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. :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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