got a fight on my hands with AMEX and Newman

[Lushbury]

Well im having a terrible month here, if it don't rain it poors.

Any way, got an out standing debt with AMEX red, credit card, wont bore you with to much history, but they have give the debt to the DOGS, yes Newman's, who have tried there bully boy tactics, but i have told them to P....s off. so i sent them a CCA, and guess what i got a reply.

 

 

Thats right, they can not supply a true copy of any contract or any thing at all.

So any idea's??????

[tiglet]

Hi lushbury

 

i can't actually read the link - could you repost?

[Filthy Monkey]

Here you go...

 

When you fill in online application don't they send out a printed form for you to sign?

[Lushbury]

How do u do that with the link????

[tiglet]

Even if it was opened online, they should still be able to supply a true copy, including T&C's.

[honey5]

honey x

[Lushbury]

Well, im not sure, but they have not sent a true copy of any agreement to me, all i recieved from newman's was a E-Application and a set of terms and conditions, which are not signed nor addressed to me, they just look like a standard set of terms and conditions.

What should i do? should i write back to them saying that they need to send me a true copy of a signed agreement? and what if i never signed one, i have looked through my files and can not find any agreements with AMEX, im not sure if i ever recieved one from them or if i ever signed one.

[tiglet]

This thread may help: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html.

[Lushbury]

well its all gone a bit quite, Newman's have not replied to my last letter, so will have t o sit tight and wait and see.

[tiglet]

I would do just exactly that - post back when they come back with something meaningful.

[Lushbury]

Spoke to soon, recieved this morning, please help!

[kennythecelt]

Hi Lushbury

 

just noticed you have left the reference at the top left of the letter you have posted.

 

Can you edit as this might identify you.

 

Best of luck, Kenny

[Lushbury]

Thanks Kenny.

[kennythecelt]

Hi Lushbury

 

No problem,

 

Regards, Kenny

[Lushbury]

Can any one help? plz see post 11.

[tiglet]

have you considered that the debt may consist of unlawful charges?

 

if not, I would suggest sending a SAR.

[Lushbury]

Can some one tell me, is what Newmans say, RIGHT??? please see post 11.

[Filthy Monkey]

When was the agreement started?

[kennythecelt]

Hi Lushberry

 

I have asked someone with expertise to advise you on this. They will be with you shortly.

 

Regards, Kenny:)

[Lushbury]

thanks buddy

[pt2537]

Hi there,

 

Well they are hiding behind the The Consumer Credit Act 1974 (Electronic Communications) Order 2004 to get out of supplying the signed agreement

 

it would be helpful to know when the agreement started as the order came into effect on the 31st December 2004 so if your agreement started before then they can whistle

 

do you have a copy of the agreement that you can post please so we can have a look and check its got all the required terms etc?

[kennythecelt]

Hi Lushberry,

 

do you have any of the info which pt refers to, any update??

 

Regards, Kenny:)

[MARTIN3030]

Thread moved here.

[kennythecelt]

Lushbury

Please check your inbox. I have sent a PM.

Regards, Kenny

[kennythecelt]

Lushbury

 

Please read PTs post above, again. His question needs answered. He can help but needs the info, specifically:

 

"it would be helpful to know when the agreement started as the order came into effect on the 31st December 2004 so if your agreement started before then they can whistle

 

do you have a copy of the agreement that you can post please so we can have a look and check its got all the required terms etc?"

 

Regards, Kenny