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amex cca help

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Wonder if I could get some advise..

Recently after failing on hard time after being with Amex for near on 10 years, I missed 2 payments, called them explained circumstances, and agreed a time line with them to catch up with those 2 payments, came of phone beleiveing all was fine.. 2 days later call from RMA telling me my account had to closed and sent to them (no formal notication for 14 days from amex) and very agressive manner, and the amount have doubled...

 

Anyhows after doing some research on net, sent a CCA letter recieved standard reply back (dated) on July 17th informing me that prepare the info's with 12 days.. which is no overdue.

 

So I now dont know where to go from here (all the calls and hassling have stoped now from RMA) since the CCA went in...

 

So my questions are..

1- Do I need to do anything as the CCA hasnt been sent.

2- I undertsand that if a CCA isnt produced they cant enforce the allegded debt.. Is this true, if not what process' can they take...

 

I'm self emplyed, so concerned any perosnal issues may effect my livelyhood and that banking/credit facility.

 

Thanks Pab

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a failed cca request just means the debt is unenforcable in a court of law till an enforcable cca appears, it does not make it [sadly] written off.

 

i would be inclined to write to Amex [don't use the phone - all co's promise the world but very few ever agree to what has been arranged by it] outlining the agreement on missed payments & asking them the current status of it from their side.

 

if in the meantime one of your agreed payments is due i'd send that too.

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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Should I correpond with RMA or Amex ? Also there no payment due as I haven't had any statements from Amex since I have been dealing with the RMA...

 

I havent got any agreed payments my understanding was it goes pending until the CCA is produced, but maybe I have misundestood this...

 

I'm slightly confused so any help would be appreciated of how to best move forward..

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RMA have failed the cca test.

this does not mean the debt goes away.

 

i would write to amex, you are not disputing the debt [i hope] just confused about who to pay.

 

might even not be a bad idea to SAR them

if there are charges and PPI they could be a goldmine in reducing the outstanding balance.

 

you still need to find out the status in ames's eyes, if no-one told you the a/c HAD been sold, it could be RMA were just chancing their arm with you.

 

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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thanks for the feedback... Im not disputing the debt.. Will try the subject access request.

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