Can i refuse to pay NCO DCA and continue to pay Amex direct?

[Roctiv Werdlem]

Hi,

 

I’m currently in a payment plan to repay 2 Amex debts. Whilst Amex still own the debt, and send monthly statements, the payments are collected by a 3rd party - “NCO Europe” ( a DCA )

 

As Amex still legally own the debt, can I refuse to pay the DCA and instead resume paying Amex directly? 

 

I just don’t like dealing with DCAs which is why I’d rather pay direct. If I were to write to the DCA to tell them that this is what I want to do, could they take any further action? 

[dx100uk]

a dca is powerless anyway.

 

unless they own the debt

you always ignore a DCA totally

no need to tell them either!!

[Roctiv Werdlem]

I spent the money and therefore intend to pay every penny back, I just don’t want to deal with DCAs if I can avoid it.

 

I thought by letting them know my intentions it will stop them bombarding me with calls and texts if they don’t see the payments coming to them anymore. 

[dx100uk]

throw the morality card in the bin..

 

simply block their numbers and report/block texts as spam.

 

they are totally powerless

[unclebulgaria67]

Amex probably don't have an account open to pay the money into. Once a creditor passes a debt to a DCA, they close the account. 

 

[dx100uk]

its not sold

[Roctiv Werdlem]

Indeed it’s not sold and they still send me monthly statements. 

[comebackjimmy]

DX:   throw the morality card in the bin..

 

I totally agree with this.

 

If it ever gets to Court it will be the laws that apply not morality.   Almost by default if you are a card provider, bank or other financial institution you are involved in immorality somewhere along the line.