AMEX Charge Card Account - Supplementary Cards

[Sk1ppy]

Hi All

 

Has anyone got any experience of AMEX charge card supplementary card holders liability. I have looked through the latest AMEX Charge Card Ts and Cs and can find this.

 

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By using your account (or by signing and keeping the card), you and any supplementary cardmembers agree to the

terms of this agreement. It is your responsibility and you agree to ensure that any supplementary cardmembers are

aware of these terms. Please see the “Supplementary Cardmembers” section of this agreement for additional details

 

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There is no “Supplementary Cardmembers” section as stated in the above section

 

This from the AMEX Charge Card Ts and Cs

 

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8. LIABILITY FOR PAYMENT

 

8.1 You are liable and promise to pay to us all amounts outstanding on your account when due which includes

paying:

 

8.1.1 charges on all cards issued to you and any supplementary cardmembers even if there was no signature or

card presented (including telephone, internet and mail orders) and even after cards have been cancelled

and this agreement has been ended;

 

8.1.2 charges made by any other person if you or any supplementary cardmember allowed them to use your

account;

 

8.1.3 charges made in breach of this agreement or fraudulently by you or any other person where such charges

or use of your account or any cards issued to you or any supplementary cardmember were permitted by

you or any supplementary cardmember; and

 

8.1.4 unauthorised charges related to a lost or stolen card or code being used by an unauthorised person under

the circumstances and within the limits set out in the “Lost/Stolen Cards, Incorrectly Executed

Transactions and Misuse of Your Account” section of this agreement.

 

8.2 Any supplementary cardmember is jointly and severally liable with you to pay to us when due all charges on this

account made by that supplementary cardmember

 

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Section 8.2 implies the Supplementary Card Member is only liable for their transactions.

 

Just to mention that the supplementary cards were never activated in the last 3 years while the AMEX account was being used.

 

Also note that the supplementary card member signed nothing and was not even aware that they have been issued with a supplementary card.

 

Any thoughts as its a DCA chasing an old debt and has found the mobile number of the said Supplementary Card holder.

 

Cheers

Edited September 30, 2011 by Sk1ppy

[dx100uk]

i've noved this thread to the amex forum

 

i seem to remember this coming up before

 

dx

[Sk1ppy]

Thanks for the response dx

 

I have got another question on unsecured credit card debt. Can a creditor seek an order on a property for a relatively small card debt. The card is a non priority debt and the monthly mortgage payments have always been made in full and have never been late. It's just this has been a threat made to me by a DCA.

 

Cheers in advance

[dx100uk]

they can threaten what they want!

 

htey are a dca with no legal powers

 

thats all they do send threat-o-grams

 

dx

[MARTIN3030]

Just out of curiosity who is the DCA does it by any chance start with C and end in T ?