Jump to content
Mike J 1973


Recommended Posts

I have tried a couple of times to send CCA request to Amex, but they never get signed for. I am sending them to


American Express

Services Europe Ltd

Department 871


BN88 1AH


Is there another addrss I could use, or another way to get the request there as without proof they have got it I dont think I can use the 12+2 time limit.

Share this post

Link to post
Share on other sites

use the address on any letter that is chasing you

then keep proff of postage


if you've done that


and the 12+2 has passed


stop payments and fire off the a/c in despute letter



Share this post

Link to post
Share on other sites

Cheers DX


Just so I am sure i have this right, as I have proof of postage, i.e. the receipt I have from posting the letter that was meant to be signed for, that I can work the 12 + 2 days from that??


I have sent a few letters than need to be signed for, that have never been signed for, but I know they have got them as I have had replies etc. I am guessing they get so much post the postman dosent bother with the signature!

Share this post

Link to post
Share on other sites


I'm hoping somebody can't point me in the right direction please


I got into financial distress sometime ago but have been in a self administered DMP.


I had arrangements set up with all parties and all payments were being made on time.


However there appeared to be no light at the end of the tunnel so to speak as it was going to take 22 years to sort the mess out and eventually looked to enter an IVA.


The IVA was rejected by my largest creditor so I have gone back to my DMP.


However this is when an issue regarding Amex occurred,

I had been dealing with NCO Regain for a couple of years

but then came along Allied International Credit saying they were now dealing with it,

but NCO kept contacting me saying they were.


I told them both until Amex wrote to me to tell me who was dealing with it the account was in dispute.


I never got confirmation from Amex so I stopped paying,


I have written to Amex three times,

on the first two occasions I got letters back saying it was being investigated but never got a further response.


I then started getting calls from Amex so I again stated that I wanted in writing who I had to deal with but got nothing.


Then a letter turned up offering me a 50% settlement discount,

however I received the letter after the expiry date of the offer.


I called and explained again and was told I would be emailed confirmation of who to deal with, but of course no email turned up.


I have again written to them at the Brighton Address and also sent a copy to their CEO at the London address.

Both have been signed for on delivery but I have had no reply yet again (about 3 weeks ago)


Should I just do nothing?

They havent registered a default against me but when they call they keep threatening to.


I'm happy to put it back in my DMP, but I don't know who to pay.

I could really do without a default as it will set my credit file back a couple of years as everybody else I defaulted on registered defaults in 2014.


Any thoughts would be very welcome.


Thanks in advance.

Share this post

Link to post
Share on other sites

NCO and allied are simply DCA's

they are not bailiffs and have no such legal powers


I question why you are even bothering with them and why you are talking on the phone to them....


you are being cash cowed,..


who on their letters is quoted as 'their client'??

Share this post

Link to post
Share on other sites

you have made no posts on cag whereby you have asked if the CCa return you got for this card is enforceable

Share this post

Link to post
Share on other sites

As I say my memory is a little hazy from back then but I definetly got some advice at the time that suggested the CCA was fine, I can't remember where I got the advice from I'm afraid.

Share this post

Link to post
Share on other sites

I can't find any reference on the letters from NCO or AIC that mention their client, however today Amex have got back to me and told me


''Your account is currently with our agent, FirstSource LLP'


I have never heard of or been contacted by this company, not really sure what to do. Do I just put them into my DMP?

Share this post

Link to post
Share on other sites

I stopped proper payments in 2014 and moved to a DMP, my last payment from my DMP to it was in September when I had two DCA's asking for payment and I have been trying to get clarification of who to pay ever since.


It appears the account was returned to Amex who then wrote and offered a 50% settlement (payable over two years) I was tempted to take this offer up to get it all sorted but I'll send a CCA request and post the reply (if there is one)

Share this post

Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 9 replies
    • I am new here but very glad to find my way here and would welcome any input.
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
      • 42 replies
  • Create New...