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Mike J 1973
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let see the next move

 

 

I really cant understand this discount

there must be a reason in the sar you are not spotting

go read the comms log very carefully

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... 

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  • 1 month later...
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I've been through the comms log in detail,

the last action was from a DCA closing the account as it was uneconomical to recover.

 

My last contact from Amex said it had gone to a different DCA but I've never had any contact from them,

 

I've also heard nothing more from Amex.

 

Do I just sit tight?

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so def no sign of an old default?

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... 

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Share on other sites

It talks of a default for a couple of hundred quid but the account balance is over 8k.

I've never seen a default and the account doesn't show on my credit files.

 

I've just look through some more documents,

I have a letter from 3 years ago which is a notice of default saying if I don't pay X within 14 days the account will be terminated etc. That payment was never made.

 

 

From the comms log it says they stopped reporting to the credit references in 2015 but they don't know why!

 

 

The question on an internal email has been asked if the account has been defaulted but there is no reply to that question, just saying nothing is being reported to credit reference agencies.

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I would suspect that it was defaulted years ago.

and that's why it doesn't show.

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... 

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So should I just sit tight? My concern is my other defaults drop off in a couple of years and if Amex stick one on now I'm back to square one! As I say I'm not be chased, nothing on credit files from them.

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id let it run

I expect they know more than you.

 

 

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... 

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Share on other sites

  • 1 year later...

So quick update and question, every month I get a statement from AMEX which says the account is closed the full balance is due and its been referred to a collection agency, no interest or charges are being added, but nobody has been in touch from any DCA, so I’m just sitting tight. However quick question, I’m about to move house, so should I inform Amex of my change of address?

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Yes and not only on this debt

All listed creditors you might owe money 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... 

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Line across the top

 

I do not acknowledge any debt to you or any of your clients.

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... 

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