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    • You're right, hightail. I had cause to speak to M&S customer services and I asked if the lady was at home out of interest. She was and I was pleased she was safe. She had no problem resolving my problem and wasn't in a rush to get rid of me.
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    • We acknowledge receipt of our recent letter requesting data as per Section 77-79 Consumer Credit Act 1974, and can confirm that we have requested the relevant documentation from our client and we will forward it to you when it is received.   We must also stress that we are not seeking to enforce an agreement and have only asked that payment is made towards a debt that is outstanding by way of an affordable repayment plan. However, if you believe we are unable to ask that your account is repaid in this manner please provide us with specific details so the client can address any specific concerns you may have. This request is asked to also minimise potential costs and delays.   Moorcroft reply received by email yesterday.    Do i just ignore it?  
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wetnose

Help please relating to American Express

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Hi Guys, wondering if you can help - as you will tell I am new to this site.......... To cut a long story short I moved to Australia last year rented my house out in the UK and have spent the last 8 months evicting my tenant for non payment of rent. In the meantime, I have ramped up a bill on my AMEX Credit Card who I have spoke to them this evening who were less then helpful even after I offered to pay them (via direct debit) £30 per month less than the minimum payment per month plus interim payments as and when I am able to until the debt is cleared. Ok ok I know they are peeved that they are not getting the amount of money they want every month but they have started talking about an RPA and if I am legible for one as they will not accept a reduced monthly amount. I am not too sure what this means as I could not get a word in edgeways as they kept harping on about ongoing cooperation. Even though it is a UK card I am living in Australia and they want to know my Ozzy outgoings which is going to be difficult to prove as the bank account is in my hubbies name - if anybody could give me any advice I would be grateful - thanks in advance :roll:

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they have no right to any of your financial details.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Dear DX

 

Many thanks for your speedy response........but you guessed it another question............. they want proof of my outgoings etc. etc. and I have to provide this in order to be considered for a RPA how do I comply with this request without giving any financial details? Any advice or suggestions would be greatly appreciated thanxs buckets:-?

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Dear DX

 

Many thanks for your speedy response........but you guessed it another question............. they want proof of my outgoings etc. etc. and I have to provide this in order to be considered for a RPA how do I comply with this request without giving any financial details? Any advice or suggestions would be greatly appreciated thanxs buckets:confused: I am willing to pay all the money back but just need a little more time

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sorry

what is rpa?

if it reduced payment agreement, then tell them to bug off!

 

their is NO legislation that gives them the right to such knowledge.

 

they don't need to agree to your RPA!

you TELL them what you can afford FULLSTOP.

 

if and a VERY big if it even went to court, the judge would laugh it out the door.

 

pers, why the hell are you even bothering, this is a civil debt, there is nothing they can do to you, and even less at a few 1000's of miles away!

 

dx

 

 

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi DX

 

Yep it is a Reduced Payment Plan - sorry to be appear so stupid but I have never owed money on my credit card before so I am guessing I can stick to my guns and pay £150 per month and if they are so inclined to take me to court I can only hope that the judge will laugh as you suggest - thanks again for your help it is very much appreciated - I panicked a little as somebody told me they could put a charge against my property in the UK ....... thats why I thought I would get onto a site where somebody could offer helpful advice - thanxs again

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