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meganimoo

American Express debt passed to SRJ - Income and Expenditure

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Hi All

 

I had an American Express debt passed to SRJ and had a payment arrangement in place.

 

A E have now passed that debt to another debt company vilcollections.

 

I am continuing to pay vilcollections

but they are saying that no payment arrgt was agreed with them

and i must supply an income and expenditure form which is very detailed.

 

They say my payment is a good will payment.

 

What are my obligations?

 

Many Thanks

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None, if an arangement was made with the original creditor then they must accept the situation.

Tell them so!!


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Hi

 

Thanks for that, the original agreement was with the original dca not american express, so is that still the same?

 

Kind Regards

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Yes. If an agreement was already in place, they must honor it. Ignore them and tell them that is how much they are going to get. Non negotiable.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement

 

Have a read of the article in the link above. If a payment arrangement was in place when this new kid on the block took it on.. then they must accept what was in place. They simply cannot renege on the agreement, they purchase the debt with any encumbrances.


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They will argue BUT the above is absolutely right.

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Thread moved to debt collection forum


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now in amex forum.

 

can i just point out

that SRJ

 

and even more so

VILE collections

 

are very very much bottom feeders

 

and only real in lemon debts

 

how old is this card

does this debt show on your cra file [see below]

ever CCA'd them

ever sent an SAR to get all the statements and get reclaiming.!

 

its a pass the parcel debt me thinks

 

here you have a vit, this guy is coughing nicely...


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I have sent them an email advising them of this, and stating that my payments are not goodwill payments, they are an ongoing payment arrangement. I do have a copy of my original credit agreement so i cant argue anything. However, I doubt they will take me to court for not supplying an I and E form!!

 

Watch this space for their reply!!

 

Many Thanks

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They cant take you to court simply for not supplying anI&E form. Mainly because it is not a legal requirement and only a court can order you to provide one. Of course, you can provide them one simply to make things a little easier in some cases, but theres no obligation on you to do so.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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can you please answer the q's in post 8

 

dx


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Hi

 

Ive a copy of the credit agreemnt which i signed in 2005/2006 and i started the payment arrangement in 2007 i think. ive not checked my credit file(mosstly because its all bad!!) and ive never sent a SAR.

 

Vilcollections have said i must complete the i and e form as they have to review accounts on a regular basis.

 

I note that it is very detailed and asks for a lot of info- also about my partners income, dependants etc which i dont feel inclined to give.

 

any thoughts would be appreciaited.

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two words... bugger then off!

 

they have NO legal powers to demand ANYTHING.

 

i'd sar the OC and get your cra file.

 

fire a CCA to vile too

 

see if they have the agreement.

 

does this debt show?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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As a keen, er, Amex "fan" I'd be interested to know status/update! :|

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HiIve had several letters from vilcollections asking me to contact them, but ive ignored them!!Ive just carried on paying!!

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Have you asked for - and have Amex/SRJ/Vile ever produced - an agreement?

 

Have you reviewed the default/cancellation process and the relevant notices?

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HiIve had several letters from vilcollections asking me to contact them, but ive ignored them!!Ive just carried on paying!!

 

why?

 

as post 13

 

and

 

post 8

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi all

 

i have an old American express debt which was originally passed to srj

and i made a payments arrangement odf 10 per month but cant find the paperwork.

 

 

It thrn got passed to Vilcollections who said this was a goodwill gesture

and kept asking for an income and expenditure form.

 

 

I didnt provide this but continued to pay them.

 

 

This then got passed to firstsource llc

confirnmed by American express and have continued to pay them without problem.

 

i have had the signed credit agreement from American express.

 

How i have now received a letter from first source

stating that i have a payments arrangement with their office

but their records indicate that no confirmation letter has been sent.

 

They then state going forward if i establish a different payment arrangement

a payment arrangement confirmation letter will be sent to me.

 

they then apologise for the inconvenience.

 

It then states that American express will continue to register the status of my account

with the credit reference agencie

Its currently not listed on ghem at all!

 

i feel they are trying to get more money but this repayment is in line with my other creditors.

 

Any thoughts?

 

Many thanks

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old and new threads merged

 

 

have you ever sent vile a CCA request?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Cca request sent a couples ofcyesrs ago and they sent me a copy of my credit agreement.

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who too?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Cca request sent a couples ofcyesrs ago and they sent me a copy of my credit agreement.

 

Hi i sent it to American express and they sent it back. They assigned it to srj and wrote confirming this the same with Vilcollections and firstsource.

 

Dont know why its not on my credit file

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so on the DCA letters it states our client Amex?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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assigned means sold

who on the vile col letter do they say is their client

 

 

and it wont be on your credit file

it was defaulted more than 6yrs ago

never to return

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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The top of the letter states creditor American express.

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