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    • So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely. I don't see how we can move forward on that basis
    • Thank you. First of all, this is not chronology so we don't have any sense of the timeline. It's still rather complicated – but maybe when you produce a chronology it will come more into focus. However, there are a few things that we can start to tease out. You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer. However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format. You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings. You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares. You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did? You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened. You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you. Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan. I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble
    • Late to this, sorry - my wife claims contributory ESA and got her P60 about two weeks ago. Now I know she's overpaid on her tax and I'm just waiting for HMRC (the department I currently work for) to figure it out. They owe her about £150.
    • World Bank President David Malpass says billions of people will have their livelihoods affected. View the full article
    • World Bank President David Malpass says billions of people will have their livelihoods affected. View the full article
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73061

Amex Debt and NCO EUROPE

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can you confirm that the listed client on NCO letters is AMEX please

and that you sig and the correct take out date is present on the upload but that you have correctly removed them?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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i received the documents by special delivery direct from AMEX. They sent me a copy of my original application form signed in 1999 which was correct.

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Would appreciate some advice.

I had £53K OF DEBT as of Feb 2019.

I sent cca requests and 14 of 15 creditors stated they had no paperwork and was unenforceable.

 

I ditched Payplan and stopped paying creditors and 5 of them sent me a letter writing the debt off......zero balance.

 

Only one creditor produced the CCA AMEX.

I sent an SAR request and they sent me all the documents including my original application form signed by me.

 

I stopped paying all creditors Feb 2019 including AMEX via NCO EUROPE.

 

I have had no contact from AMEX directly since they sent the paperwork.

 

In the last 4 weeks i have received several letters from NCO EUROPE who are agents for AMEX threatening me with action.

They have demanded that i must ring their office in Preston.

 

My debt with AMEX is £5243.17.

All debts are 20 years old.

 

Could you please offer me any advice on how to proceed.

 

Many thanks.

 

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merged to existing thread

you are safe to totally ignore NCO

its states their client AMEX on the letters

 

and it doesn't say will anything.

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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It states on all the letters that amex is the client.

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yep I know what i said.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Just make sure you open all their letters to be on the safe side. In case they send a letter before action which quite possibly will never happen but keep them informed if you move house just to be on the safe side.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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What advice would you give about Amex.

Should i set up a payment plan directly with them or wait until they contact me.

I have not had any letters from amex for 1 year and NCO have only contacted me in the last few weeks.

Many thanks for your help.

Just to mention my only income is the state pension.

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Ignore anything from NCO that isn’t a letter before action. Keep that statute barred clock ticking. You might not ever need to pay anything. Let them make the next move.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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nco cannot issue a letter of claim

only a solicitor acting for a client can.

 

at present the client is Amex.

the debt has not been sold.

 

pers i'd let this run..

 

can you confirm page 23 of the PDF in post 1

holds your signature and correct date of take out please.

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes it was a copy of the original application form.

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no its not

 

please answer my questions.

 

dx

 

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I have checked all the paperwork they sent me and it was my signature and dated correctly.

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but that was not an application form it was the actual agreement you signed and returned to them.

is what i was pointing too.

 

 

 

dx

 

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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