Amex Debt On Credit File / Card Never Activated

[galley]

Hi All,

 

in 2005 I applied for an AMEX CARD but never recived it.

I have since seen in my credit file this month consistent failiures to pay the £50 balance on the card (that I never used!)

I never recived any statements in the past, however when I called them, they posted out a load showing the transactions.

 

Am I liable for these? AMEX said if the card was used frauduantly I should contact the police, but others tell me under the Fraud Act 2007 its the card companies respnsibility to do this??

 

I need it off my credit file ASAP as I need a mortgage soon.

 

Can anyone advise on my best course of action??

 

 

Ames also say my account was automaticly closed Dec 2005 due to non-activity and non-payment of the annual fee.

 

Please Help!!

 

Thanks

[payback68]

Any discrepancies on your credit file should be reported to the CRA whom have logged them and the Information Commissioners Office if there is a valid dispute.

 

https://www.ico.gov.uk/Global/contact_us.aspx

 

Regards.

[babybear39]

What was the annual fee and fees for non payment?

[galley]

Hi

 

the anual fee was "standard" but i never paid it and the balance on the card was for about 10 small purchases that I never made, mostly train tickets it seems, possibly bought on the train itself?

 

I dont seem to have been charged any fees as such but I will check now I have the statements.

 

Bit angry I have a 36 months of non-payments on a card I never had or used!!

 

Thanks

[babybear39]

Sounds like identity theft. Report it to your local police as fraud, get a crime reference number and go from there.

[galley]

thanks for your help,

 

do you think by reporting it it can get removed from my file? Will Amex be that co-operative?

 

thanks