Hi Folks, I somehow missed a letter from Amex offering a 70% debt settlement. Now they have reffered the matter to debt collection agent. Can i still get chance of asking for the offer? Cheers

Hi I sent a CCA request to amex for a disputed debt I have with them from a AMEX business card. I was a sole trader at the time and the card was solely in my name. I sent the standard letter and a £1 cheque. Within the timeframe allowed they returned to me the following: sent my cheque back not cashed sent my orginal application form with my signature sent a copy of the agreement (just a photocopy not signed) Can anyone tell me if this is what I should receive? I was under the impression I would get a signed agreement. The disputed debt last had a payment towards it in 2009. Thank You

Hi to all, 1st time user on this site, so hopefully someone can give me some advice! As title says, i have had this charge taken from my blue amex credit card for a long time, well since i took on the credit card and not really understanding what its for, Its called AMERICAN EXPRESS INSURANCE SERVICES, it appears on my monthly statements from july 2007 costing £16.00 a month. Then in may 2010 the cost went to £16.80 a month up until present. I know some of you would say why have you left it this long to find and so on but i wasn't really 1 for studying my statements often , i just open them up and went straight into binder. hence im only now starting to proceed with ppi on other cards lol. anyway basically i'd like to know if this is amex's version of payment protection insurance, or if anyone has any info or dealt with this on their credit cards and maybe what actions to take like CCA Them and SAR Them also. Any help greatly appreciated. MB.

Hi guys, I have an appeal coming up against an Amex ccj regarding charge card debts, the interest of which has snowballed into many thousands of pounds. I have suddenly heard that Amex will reduce the interest rate from the date of the writ from 42% to 8% if i discharge the appeal and accept their ccj and monthly payment demands. However there is no suggestion of amending the interest rate from the time of the default to the time of the writ. Apparently this is Amex' generosity and they don't wish the appeal to go ahead for economic reasons, which is strange as if i lose as their solicitors say, then they wouldn't have to pay costs....i would. Basically the court ...or someone .... put the wrong interest rate on the writ and the interlocutor, and they say , hey don't worry it was only 42%!

Hi Guys looking for some advice. i've recently been contacted via a doorstep visit by Moorcroft chasing a credit card debt of £2600 (Amex) which i stopped paying about 15 months ago. In all fairness he was polite and non-pushy and just asked me to fill a direct debit form in and leave out for him to collect at a later date. I didn't do this as was under the impression that it would be unwise to do direct debit and should offer a standing order instead. He has now chased me by phone insiting that it must be a direct debit form as they don't accept standing order, the only other option is that i call him every month and make a payment over the phone. I've asked him to get a breakdown of the account showing charges, interest and any PPI as the statements i have just show the total balance due. He has said they can't obtain this. Now earlier on tonight i had a phonecall from him telling me he was on his way round as he had been instructed to visit me urgently to reslove. I wasn't in at the time but just wondered what my next action should be ? Should i request a CCA / SAR from Amex or offer very low payments ? I'm not really in a financial position to commit to anything at the moment Any advice would be very much appreciated many thanks

Hello I am registered blind, Amex got a default judgment, ccj against me, and a charge against my home, because I could not read their court claim form as my carer was away and now have a new hearing tomorrow. Just discovered this forum. Please help. I have not managed to get access to a scanner yet but will try. But this is the Particulars of Claim they filed in the original claim form. Seems a bit odd to me as no CCA mentioned. Card ending .... was a charge card and card ending ...... was a credit card. Verbatim - Particulars of Claim Money due for Charge card and Credit card services supplied by the Claimant to the Defendant as detailed in monthly statements rendered to the Defendant as follows:- 02 April 2010, .: £731.42 11 June 2010, .: £14848.08 Total Referred Balance: £15579.50 Less credit: £3671.09 Add Statutory Interest in the sum of £2427.88 calculated from each statement due date to today’s date at 8% per annum pursuant to Section 69 of the County Courts Act 1984 AND THE CLAIMANT CLAIMS:- The total sum of £14336.29 Plus continuing Statutory Interest at the rate of 8% per annum pursuant to Section 69 of the County Courts Act 1984 at £2.61 per day until Judgment or sooner payment.

Hi, Can someone please advise? My partner found himself unable to pay a balance transfer he made to Amex a few years ago. After being seriously ill and moved house, he completely forgot about it. Managed to get himself in a lot debts and all tangled, I have been sorting them for him. He was contacted by Brechin Tindall Oatts working on behalf of Amex. Their letters are so awful and cut throat yet he's doing his best to sort everything. They actually tracked him down at his place of work. My query is in connection with the interest that he is paying. He has agreed to pay £150 per month to BTO that's more than he can afford to be honest but he's coping. They basically send a letter every three months asking him to provide details of all his personal finances etc on a form, which he does. They are accepting his agreed amount which is great, but only give him the statement when he asks for it. The interest fluctuates. It has went from daily rate of £1.73 to £1.41 to £0.85 it would be so much easier for him to pay this off if they allowed a 0% interest on an account that has been closed since 2007. Is there anyway that he can request/enforce this? Thanks is advance. Erica

I have sent an SAR to Amex and received 1 Statement from Nov 2003. The account was opened in 1998 . It was cancelled by Amex in Sept 2003 and passed to a debt collector with a balance of £576 I paid off £475 in Oct 2003 as full & final settlement. Received paperwork most of which is dialogue from Newmans Collection. I have the application form which doesn't show anything re PPI but there is another sheet with a header sheet stating this document contains all information held by Our Insurance Dept. It States Name and address and under Policy Details it states Policy Type Repayment Protection Plan and Policy Valid Dates 01/05/1998 and Policy Cancellation 10/09/2003 and premiums billed to date £59.64. Without statements how can they know this ?? Help

Received Amex's version of a valid CCA which consisted of a signed application form from the late 90's and a set of terms from 2002 (dated on bottom corned of T&Cs). Am I correct in assuming that something fishy is going on, surely the terms should be dated on or before the application form date, not three or four years after.

Hi fellow caggers, Not sure if this is in the right forum, but here goes. My wife got a statuory demand through the post from amex solicitors, Brachers LLP. I was just going to ignore it but after reading other threads, decided to go for set aside. I filled in the forms and sent them to the court, who have now replied with a date for a hearing in early August. I understand that I have to send one copy of the paper work to the claimant but what do I do with the other, do I send it back to the court? or send it to my nearest court? Any info/advice gratefully received.

Hi Everyone, Please can anyone offer advice on how i should approach Birketts LLP . I have received a letter from them today [on behalf they clam of Amex] and was wondering should i send the I do not acknowledge a debt with your company etc or is there a better alternative ? and approach i need to follow. Thank you G

Hi I wonder if someone can give me some advice. My boyfriend has received a letter, it was passed on via his old address about 2.5 years ago, so they don't have his new address. The letter came from Fairfax Solicitors on behalf of their clients Max Recovery Limited. He has never heard of them before, and it states that he owes this Max Recovery over £5k. It's really bizarre and we're not sure what to do. I was thinking of sending these so called Solicitors a letter but then again I don't want them to have my address, my boyfriend knows nothing about it, it's weird. If he calls them then from reading other people's answers to this sort of thing that's the worst thing he can do, they'll then continue to send letters to his old address. Is it wise to ignore it? I'd much appreciate some advice on this. Many thanks

I did a CCA with Fredrickson, whom i have been paying for a few years now. They also have a default on my credit files, so i assumed they must own the debt. I rang them today as did not get any POD from Royal Mail two times. The guy at the other end said we received them, and HAVE SENT THE ACCOUNT BACK TO AMEX! I asked how can you do that when you purchased it, hence you defaulted me? answer : i don't know but we've returned it. So i asked why did i not get a letter stating this? answer : we don't send letters out (they do when they threaten court action!). I then asked can i speak to a manager? answer : no-ones here as its a quiet day (Friday). Can i have a name to call for next time? answer : no, we are not allowed to give names out. So, looks like they chickened out and are saying they've sent it back, but have defaulted me over the years. Anyone got advice how i should handle this? Shall i take them to court for CCA non-compliance, ask for all my payments back, plus statutory interest, plus expenses, plus costs, plus cost of paying extra on mortgage over the life of their default (over £4,000) or leave it to the judge to decide compensation?

Hi there, I have already posted about a few other debts my other half has on other threads, not sure I have done this correctly. He has a Northern Rock loan which I believe he took out in 2004 alongside his mortgage, it was before we were together. I got him to write and as for a copy of the original agreement which they have sent. I find it unbelievable the interest rate that he is paying. It looks like he took out an unsecured loan of £22,498.00 with an APR of 7.1%. He has since sold his flat and paid off the mortgage with the sale. But the loan states that if paid in full the rate of interest charged goes up to 5.00% above the current standard variable rate for mortgages. So since he paid it in 2008, he is now paying a 9.79% interest and hardly making a dent in the loan. Quite unfair considering he would benefit from a lower variable rate. With a loan outstanding at just above £20k he is paying £204.70 per month and yet about £170 a month, it's horrendous, is there anything we can do about this? He tells me that he got into a bit of trouble while back and ended up paying them a fortune in charges for his mortgage being in arrears along with the loan, can we claim that back? I'm trying my best to help him and if we can claim something somewhere it might help pya off other debts. He is paying Blair & Scott I think for three outstanding debts and being doing that every month for the past two years without a fault but I know that he had charges for all of these too, what a mess, in need of help?