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    • Hi    another quick update   Just had my Mediation call and advised them that I do not have enough information from PRA to continue with the mediation.   The mediator relayed that  PRA confirmed they have sent me the agreement and statement and that PRA believe this is enough to determine that this is my debt.   PRA confirmed that they do not have the "default notice" but believe the information they provided is enough for the court   Now I will just wait for the court process to initiate and in the meantime i will continue to work on my statement   thanks    
    • Hi all,   just checked my credit report on Credit Karma, and I’ve had a search from ‘Lexusnexus’. do I need to be concerned? Since they are a data mining company from the states, is this the precursor to potential legal action?   H
    • Online part done. CCA and CPR - send recorded?
    • Hi,   Thanks for your reply.   Firstly I asked several times for a refund closer to the time I enrolled on the course and was told I could not have one due to the center paying for the course upfront. I did make it very clear that I was struggling with the course, however due to the center not being open when I could attend that I would not be able to finish it, also that due a change in job role I would be unable to make days when the center was open. However given that the center advertised several times it would be open late and on a weekend this was not honoured several times and yes I have a detailed log of this.    The entire cost of the course was over £3700 - I can get back to you with the exact amount once I am home as I have kept the recites   There was also an incident with the Sage course due to it having to be studied within the classroom - when I was able to get into the venue the package was not working and also the obvious reason for the center being closed.   The course was conducted via mixed methods, however when trying to complete the training online their system was not working, so could not be accessed whilst I was trying to study at home. I did phone the center about this at the time, however this was not remedied.   Thanks
    • First of all you should understand that this is going to be difficult – partly because you have left it so long, partly because of their franchise system it is very difficult to pin them down and finally because you have already said yourself that some of the reason for not completing the course is because of your own mental/emotional state. Your poor health at the time was very unfortunate – and I'm very sorry about that – but that is not something that you will be able to rely upon if you attempt to recover any money. In fact it would be in your best interests not to refer to this. Have you already brought this up with them? Could you please tell us how much the entire course cost. Also, you will need to give a fairly detailed chronology of the listed class times and the times that they were closed without giving you notice. We need to understand what impact these are notified closures had upon the total amount of allocated time. Was the course conducted mostly online or was it conducted with face-to-face contact at their classrooms?
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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?


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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.

 

 


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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

 


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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.


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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.

 

 

 


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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

 

 

 

 


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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

 

 

 

 


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