Jump to content


Amex


Mike J 1973
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1074 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

sar get all the statements and everything else

and a CCA request too.

 

 

lets get to the bottom of what is actually going on

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Replies 61
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 2 weeks later...

Yesterday I posted CCA & sar requests, I sent them signed for which tells me they haven't been delivered yet, but does show I posted them yesterday.

 

Today I have recieved an email from Amex asking me to contact them to discuss a settlement offer / repayment plan.

 

How should I respond to this email?

 

I got a letter in reply to my formal complaint a couple of weeks ago, in that letter they said the account had been passed to FirstSourceLLP, I have had no contact from them.

 

Today's email appears to have come direct from American Express.

Link to post
Share on other sites

let in run.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

they'll soon find out

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 weeks later...

I sent the CCA request and SAR to Amex and they were both signed for on the 12th April.

 

Today I get a letter saying they can't supply the SAR as they are unable to establish the identity of the requester. They are asking for a copy of my passport and a utility bill.

 

Should I send the documents?

They happily send bills and letters to me,

also why has it taken them so long to ask for these details?

 

In terms of the CCA, I think their time is up tomorrow, 4th May, should I be chasing it up?

Link to post
Share on other sites

have you moved since you took the card out?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yes I have moved,

 

today I get the reply to the CCA request (with my £1.00 returned, I dont know if that is significant) ,

 

there is probably 50+ pages mainly changes to t&c's

but I have scanned in what I believe is the relevant pages.

 

At the top of the first page there is a reference number that I have written on,

I am assuming I will have been given the reference number and told to write it on but cant remember it is over 10 years ago.

 

Does this appear to be enforceable?

In terms of the SAR, should I send the info they have asked for

Link to post
Share on other sites

pop the stuff up into ONE MULTIPAGE PDF please

follow the upload

 

 

as for the SAR

if you go read the clickme link where you got the sar from

it clearly says if you have moved

you need to include a copy of your most recent ctax bill and why.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ok the CCA should be attached in PDF format, any advice / thoughts would be great.

 

I think the quoted APR is incorrect as I am sure it was 6.9%

the document is from 2006,

the ref number that I have blanked out on the top is in my handwritting so I assume I must have been given the number to write on at some stage.

 

I will send a copy of my passport and a utility bill to get the sar completed that I guess will give me all of the statements and therefore the interest rate.

 

Thanks

Mike

CCA return.pdf

Link to post
Share on other sites

please read post 35 with regard to the SAR.

 

 

as for the CCa return

you say the doc is from 2006

what date did you sign the agreement

and that set of T&C's...what date are they from?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I signed the doc on the 31/01/06

 

As well as what I have scanned in I have a document titled 'Credit card Agreement Regulated by th consumer credit act 1974'

 

At the top it has issuer which is filled in next to that it has 'debtor' and 'the cardmember' both are blank and there are no dates. That is a 13 page document.

 

They have also sent a document titled 'your insurance documentation' That's an 18 page document, again no dates.

 

I have a letter dated May 2006 which references changed to T&C's and a notice of variation in accordance with the consumer credit act 1974.

 

I have a number of those changes if T&C's. I can scan this all in if it would help, it all looks very generic.

Link to post
Share on other sites

any additional T&C's at as they say important changes

must have your name and address and theirs in the top sentence of each copy.

 

 

gotta admit somethings not sitting right here

as theres noway a big creditor like amex would give a 50% discount

 

 

now on the agreement

I cant see PPI ticked

but you say theres a PPI documentation, I wonder if that's the discount?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

i believe the insurance was to do with cared holder benefits i don think i had any ppi but will check when i get the sar.

 

i have scanned in the next document, you will see there are none of my details on here, i haven't blanked anything out.

 

this is the second part of the second document.

 

Everything else is just periodic changes to T&C's, i can scan those as well if they would help?

CCA 2 Part 1.pdf

CCA 2Part 2.pdf

Link to post
Share on other sites

cared?

 

 

don't worry about the T&C's if they've not got YOUR name on them

bogroll

 

 

think you are going to have to await the sar and all the statements.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

haven't done that in a few years....

 

 

the cca could be ok as such

but i'm more interested in bottoming out this massive discount.

 

 

so at present you've no statements?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Shame about the CCA, I was hoping as it lacked a signature from there side it maybe unenforceable, I only have recent statements, im sending the ID for the sar today. When I get the SAR what should I be looking for?

Link to post
Share on other sites

use copy of CTAX bill too as the sar told you in the first place..................

 

their lack of sig does help you no...

 

obv when you get the statements

I bet theres £1000's gone out to PPI [or whatever they call it ] every month in dribs and drabs that you never signed up too.?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

no you do not deal with any powerless dca

 

 

they ARE NOT BAILLS

AND HAVE

NO SUCH LEGAL POWERS.

 

 

DX

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

I have the SAR,

I've gone through my statements and as I thought there is no PPI,

there is about £50 of late payment fees from just before I put the account into a DMP.

The vast majority of the debits are the interest charges as you would expect.

 

Apparently the account is with FirstSourceLLP but they have never contacted me, not really sure what to do.

Amex have not registered a default and the account does not show on my credit file

but I really don't want it being added back on and adding a default.

 

Should I go back to Amex or FirstSourceLLP and see if they will still go with the 50% settlement offer which is about 4K which they had said they would accept over 2 years.

 

 

I'm tempted to offer the 2k paid by the end of the June which I could just scrape together.

Link to post
Share on other sites

look at the sar comms/account log

find the old default or default notice date.

then it cant comeback on your file

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...