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A CCA what should it contain ? 2003 AMEX card

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I have been with Step Change (CCCS ) for over ten years now, they have recently threatened to close my account with them and would seem to be wanting me to take out equity release to clear the remainder of my debts as they say they are now licensed to do this .

They also wanted me to contact my debtors by telephone ( all now with DCAs ) and to start to go through the security process just to see whose debt belongs to who ? Either me my wife or jointly if I failed the security checks then it would be my wife's etc.

So instead of this I have sent a CCA request to each one.

Today the first one has come back from AMEX via NCO.

They have sent their terms and conditions from 2003 ( reconstituted ) with no signatures or dates ( credit agreement regulated by the consumer credit act 1974 )

They have also sent my latest statement showing the last payment from Step Change and my current balance and a summary of Credit Card Benefits Section 1.

Finally a photocopy of a 60 second application form.

This does contain my signature and is dated but where it says authorised by Amex nothing ! They have not signed or dated the agreement.

In their letter they say These documents form the executed agreement between me and american express. We trust this resolves your request.

Is this valid as I need to know what to look for ? Or what is legally correct ?

 

BTW I did an experian credit check and nothing is showing and my credit score was 997.

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time to stop the DMP me thinks

and do it yourself.

 

 

when did you take this card out

and with who? [original creditor]


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have to be the signed agreement then

unless you signed up online?


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I cant remember signing up online ? So it looks like this CCA fully complies ?

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doubt it on an application form

scan it up to PDF please the full CCa return.

 

 

upload


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.

 

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Hi DX100uk

Just to recap they have sent :

1. Terms and conditions relevant to 2003 ( 12 pages )

2. Terms and conditions relevant at time of account closure ( 2 pages ) 2006

3. Up to date statement showing my last payment through Step Change and current balance ( 2 pages )

4. Application form with just my signature and date ( they have not signed or dated their part ) one page

5. Covering letter "These documents form the executed agreement between you and American Express. We trust this resolves your request." one page

 

Do you want me to scan and upload all of this or just the application form with my signature ?

Non of the other literature contains any dates or signatures, just their printed terms and conditions relevant to the time .

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all please one multipage document too


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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there is a received stamp so that's their side ok

but

don't think that application form holds all the prescribed terms and conditions

and ofcourse cant of had them on the back either as it was a fold over form?

 

 

and doesn't reference any other sheets either

nor says sheet 1 of 2 or see overleaf.

 

 

..

now you say this is owned and [was] paid to a DCA?

 

 

and you sent them the CCA request?


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

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Yes debt is with NCO and CCA request was sent to them.

Documents came back via signed for DHL from Amex though and very quickly.

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who are NCO's client

 

 

dx


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Well I am guessing its me and payments are made via Step Change.

I got the address from them ? I have checked my online records and it just says NCO other.

 

I dont know if NCO purchased the debt or whether they are just acting as collectors on behalf of Amex ? But payments are made to them not Amex, although Amex seemed to have an up to date statement of the payments made which would suggest they still own the debt ?

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missing the point...

YOU cant be NCO's Client'

you are the debtor.

 

 

NCO don't buy debts

they only chase on behalf of whomever their 'client' is.

and must state that on their letters.

 

 

go look and comeback.

 

 

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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Sorry DX ...

Yes NCO managing the debt on behalf of Amex who ironically offered a very nice F&F just a few weeks ago ! Even offered me interest free terms over six months !

This shows how bent and corrupt the entire banking and debt industry actually is.

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good got that sorted out

 

 

send amex an sar

get all the statements

as if they are offering a settlement

they'll be double that available in reclaiming on penalty charges/PPI etc etc

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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Just remember that the date digital signatures became valid was 2005.

 

Do Amex still send you statements, they do to me 4years since I last made a payment.


Any opinion I give is from personal experience .

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