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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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American Express AMEX delinquent account, now defaulted.


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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.

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Did you tell Amex about the dispute ?

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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.

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  • 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.

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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... 

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  • 5 months later...

Hi,

 

My Amex card account has been showing status of "delinquent" for a couple of years.

 

I have other cards and loans which all defaulted in 2018/2019.

 

The Amex card has just changed to "default" this month, meaning it's still going to show on my credit report for a couple of years after everything else has dropped off?

 

Anything I can do about this, to get the default date amended - technically it should have defaulted at the same time as the others.

 

Cheers

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Credit card delinquency refers to falling behind on required monthly payments to credit card companies. Being late by more than one month is considered delinquent, but the information is typically not reported to credit reporting agencies until two or more payments are missed.

 

Do you know the precise date it showed as delinquent, xxxx 2019 ?

Now showing as Defaulted March 2021....some 2 year's later instead of 2019 therefore extending the statue of limitations by two years extra.

 

Andy

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