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American Express Corporate Card

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Hi all,

 

I have a corporate card through a very large organisation and I am leaving the company next week to start a new role.

 

 

I have never missed a payment but the past month I have ran up a £2000 bill roughly.

 

 

Stupid I know and I haven't missed a payment or anything.

 

 

My question is.....

 

My american express doesn't show on my credit file at all.

I can not pay the full £2000 off in one go like you have to every month.

If I didn't pay the bill my understanding and

this maybe naive is that the company I used to work for has to pay it?

 

If I did not pay it how could it effect my credit report?

I am thinking it won't because it doesn't even show.

 

If I don't pay the amount I will get a few nasty letters I presume.

 

My point is if I don't pay the £2000 nothing will really happen?

 

Am i being stupid, probably am.

 

If I didnt pay what is worse case? As long as it doesn't affect my credit report I am not really that bothered.

 

Thanks for help

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There should be pay to come including holiday pay so they can deduct it from that and give you the remainder.

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Not sure they will notice in time before I get paid but I did think that. I believe its happened to someone else for a much larger some but they weren't allowed to deduct the wages?! It is my own fault but only thing I am worried about is my credit file because I am just starting to repair it and can't see how it will effect my credit report if it's not even on there?

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Chances are they will pay it then get their legal team to recover the money from you.


Ash.

 

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Thanks for the reply. That would be fine because they I can pay them monthly and it doesn't affect my credit rating. It's a massive company that earns millions per quarter so I reckon they will do that. Suppose I won't know until it happens

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Hey all been doing some research and

 

 

because I work for a large company I believe (could be wrong) but my instincts tell me that the debt will fall on the company

and not my credit report.

 

 

Because the application didnt involve checking my credit score etc hence why i got one in the first place.

 

 

Anyone had any experience or got anything else on the part about affecting credit score im pretty sure I am right

 

 

but anyone with experience of this please give me a shout

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Hi all

 

I have today received a letter from Ashmore credit solutions on behalf of American Express for collection of money owed.

 

At the moment its the first letter I have received and they have been calling me once everyday. They are stating failure to respond may lead to legal proceedings. I have received debt letters before from the like of lowell chasing things from years ago and I just ignore them as I know they won't do anything and the debt with them is statue barred.

 

But this letter from Ashmore seems very profession and different to others. I owed around £3000 on a charge card I can with an old company. The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is.

 

My questions is what should I do next? Should I ignore Ashmore's? Anyone dealt with them before? Should I reply? At present I don't have a default or anything for this debt as it was a charge card. I don't want it getting to court and getting a ccj because I am just getting clear of debt. But because it a charge card I am unsure if this will effect my credit or will ashmore credit solutions take it further.

 

Any help would be appreciated.

 

Thanks all

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Hi all

 

I have today received a letter from Ashmore credit solutions on behalf of American Expressicon for collection of money owed.

 

At the moment its the first letter I have received and they have been calling me once everyday.

 

 

They are stating failure to respond may lead to legal proceedings.

 

 

I have received debt letters before from the like of lowell chasing things from years ago

and I just ignore them as I know they won't do anything and the debt with them is statue barred.

 

But this letter from Ashmore seems very profession and different to others.

 

 

I owed around £3000 on a charge card I can with an old company.

 

 

The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is.

 

My questions is what should I do next?

 

 

Should I ignore Ashmore's?

 

 

Anyone dealt with them before?

 

 

Should I reply?

 

 

At present I don't have a default or anything for this debt as it was a charge card.

 

 

I don't want it getting to court and getting a ccj because I am just getting clear of debt.

 

 

But because it a charge card I am unsure if this will effect my credit

or will ashmore credit solutions take it further.

 

Any help would be appreciated.

 

Thanks all

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3 threads on same debt merged

please keep to one thread

 

 

dx


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3 threads on same debt merged

please keep to one thread

 

 

dx

sorry thanks for that not sure where best to post it. Any help anyone has would be great

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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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Do you think I should ask for a cca? Or a Sar? Or should I sit tight for now? Not sure what to do a little worried now

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Do you think I should ask for a cca? Or a Sar? Or should I sit tight for now? Not sure what to do a little worried now

Got another letter today saying they haven't heard from me and that if I am unable to settle account they maybe willing to set up a short settlement or instalments? Should I ignore seems desperate saying settlement already or they just trying to get my to reply?

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so a discount letter

 

 

must be needing monies for the xmas drinkies party.

 

 

pers I'd let it run.

 

 

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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Could I just ask, why wouldn't you pay the money you owed though?

 

As back in May this year, you admitted you ran up around £2000 on the card.

 

Did your Company at any point ask you for the money to settle your bill, after you left?

 

Could you not make contact with them & make an arrangement to settle this once & for all?

 

As me personally, I can't see why your Company should swallow the money that you admit to spending in your last month.

 

It just don't sit right with me...


I don't suffer from insanity, I enjoy every single minute of it!!

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so a discount letter

 

 

must be needing monies for the xmas drinkies party.

 

 

pers I'd let it run.

 

 

dx

thanks I'll let it run for now.

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thanks I'll let it run for now.

Got another letter today. Pretty much demanding payment by 4pm on 4th March or legal proceeding will begin. Anyone dealt with brachers llp in the past? Can't find much on them in terms of cases? Should I sit tight or request proof of anything? Thanks

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Could I just ask, why wouldn't you pay the money you owed though?

 

As back in May this year, you admitted you ran up around £2000 on the card.

 

Did your Company at any point ask you for the money to settle your bill, after you left?

 

Could you not make contact with them & make an arrangement to settle this once & for all?

 

As me personally, I can't see why your Company should swallow the money that you admit to spending in your last month.

 

It just don't sit right with me...

hello it is a very fair question and if it wasn't a massive organisation I would pay the money back. The company has never asked for the money back just Amex. Because it was a corporate card my thinking is the company have to pay it. They are worth billions so 2k to them is nothing. Does it make it right what I have done. No of course it doesn't.

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will are you sure it says that

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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will are you sure it says that

dx

 

 

sorry not sure what you mean?

 

 

If you mean the letter.

 

 

It says please pay by 4th March or our clients have asked us to take legal action.

 

 

It could be just a threat letter?

 

 

Never dealt with Brachers LLP before.

 

 

If it was Lowell I wouldn't care less but these seem a little more professional?

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have asked...

 

 

doesn't say will anywhere then

 

 

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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They are worth billions so 2k to them is nothing.

 

 

There have been a lot of huge companies gone bust making thousands unemployed. Never judge a companies size with how well it's doing or what money it has in the bank.

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Ok, is this money you spent on yourself? Or is it stuff you have paid for for work? If its work, submit the receipts and its done. If its your spending, then pay up. You would have signed the card agreement.

I cant believe you think that just because its a big company, they should pay your bill for you. Can you imagine if someone in government did the same? We would rip them to pieces.

I'm sorry but this appears to be a case of trying to wiggle out of a legitimate bill.

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Hello the company is worth billions and still making billions! Sky! Anyway you are right doesn't make it right. Should of been clear it's not a legitimate bill because it was a charge card that they supplied me and they were responsible for. I never signed anything to say I am responsible or yes correct I would have to pay the money. I have today recieved Northampton county court business centre. I've not recieved a default notice but do I on a charge card? The reasons for claiming are poor? Which I will post up so. I haven't replied to Brachers llp or done anything yet. Any help would greatly be appreciated on what to do next or how to reply? Thanks

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This is very unclear to me, especially when you say "it's not a legitimate bill".

 

It's quite simple really: is your spending on this card for items or services purchased on behalf of your former employer, or was it personal spending? If the latter, what possible excuse could you have for not paying off your debt?

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