Amex Debt and NCO EUROPE

[73061]

Here are the documents as requested in previous post. Is this legit?

 

Scanned_20190131-2054_(1).pdf

[dx100uk]

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?

[73061]

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.

[73061]

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.

 

[dx100uk]

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.

 

 

[73061]

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

[dx100uk]

yep I know what i said.

 

dx

 

[London1971]

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.

[73061]

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.

[London1971]

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.

[dx100uk]

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.

 

 

 

[73061]

Yes it was a copy of the original application form.

[dx100uk]

no its not

 

please answer my questions.

 

dx

 

 

 

 

[73061]

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

[dx100uk]

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

 

 

 

 

[73061]

My debt with AMEX is £5243.17.   20 years old.

 

Today i received a letter from AMEX stating the following.

 

NOTICE OF REFERRAL TO EXTERNAL COLLECTION AGENCY

 

The account has been CANCELLED and all amounts outstanding on the account are now payable in full.

Your account  has been transferred to an external collection agency  NCO

 

NCO will be responsible for collecting the outstanding amount on behalf of AMEX

 

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

 

 

 

[dx100uk]

threads merged (again)

 

i suggest you re read your thread from post 1 

 

this had already been answered at least twice now.

 

dx

 

[73061]

Many thanks for your help very much appreciated.