Jump to content

American Express AMEX delinquent account, not default.

Recommended Posts

I couldn't see an Amex thread so I wasn't sure where to post this.



I have an Amex credit card with a £5k credit limit and yesterday I was £200 over that limit.


I have been in India for a few months and have been in dispute with a Hotel since I checked out on the 5th October.


They had my Amex details from my reservation, but I had used an HSBC card to settle part of the bill during my stay.


The Hotel have finally got fedup dealing with me and have charged £2700 to my Amex card, which Amex have approved.


So, my current balance is now £7900 against a £5000 credit limit.


In my T&C's Amex say that they may allow transactions above the credit limit to go through without it being regarded as a credit limit increase.


I am awaiting a response from Amex, but I am arguing that they should never just allow a transaction through that was 54% of my existing credit limit, when I was already over my limit, and in doing so they are effectively extending £2700 of credit to me that I have not asked for.


Also, of course, as my actual limit is still £5000, my minimum payment required in December is now close to £3000 in order to bring my account back under the limit!!!


I'd appreciate any advice anyone has in how to deal with this.

Link to post
Share on other sites

Did you tell Amex about the dispute ?

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


Uploading documents to CAG ** Instructions **


Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first


1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read





2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS


Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



Link to post
Share on other sites
Did you tell Amex about the dispute ?


Hi, yes I did tell them because I saw that the charge was "pending" on my account - my understanding was that the charge had been approved by Amex but not actually charged to the account. Amex told me that they routinely allow charges to go through - for example at petrol stations, if you are over your limit.


They said that there was nothing they could do, even though I was telling them that I did not want this charge to be allowed through onto my account.


They said that I can dispute the charge once it shows on the account, but that leaves me in a weaker position with the hotel. And actually it's a different issue. My argument is that Amex shouldn't allow me to go 54% over my credit limit without consultation.

Link to post
Share on other sites
  • 4 years later...

I have a number of cards and personal loans that began defaulting 2-3 years ago.


However, my AMEX card appears to show as "delinquent" on my credit file.


Does this mean it could potential remain in this status for ever (unless paid) or will it disappear along with other defaulted accounts after 6 years?


I make a token £10 payment monthly. And I am being chased by a debt collector, although it doesn't appear that the debt has been sold.


Can I request/force them to default the account?


Any help appreciated.

Link to post
Share on other sites

stop paying 

make them default you then resume payments.


safe to ignore powerless DCA's 

until/unless Amax sell the debt on.


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... 



Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...