AMEX in Pursuit after 4 Year Silence

[ManSizedRooster]

Dear Caggers

 

The last time I had anything to do with AMEX was in 2009,when in response to a CCA request (for a debt dating back to the early 90s) they sent me an application form with the Prescribed Terms in a separate T&Cs document.

 

I replied setting them straight in their error (sig and prescribed terms in four corners of document etc) and left it that they should no longer pursue me as they cannot prove the debit.

 

They appeared to have taken this advice until last week when I received a letter from AMEX telling me that the account had now been closed, payment in full is due immediately, and that they are referring the debt to a DCA!

 

I assume that they had hoped that if they left it 4 years, that I might forget their CCA failure, or that I might not have the original letter, envelopes and recorded delivery receipts.

 

Wrong! So, do I just ignore them, or do I remind them that the account has been in dispute since 2009.

 

Should I complain to the OFT that they’re harassing me?

 

Cheers

 

MSR

Edited July 12, 2013 by citizenB
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[citizenB]

Yep, remind them that the account is still in dispute and that your complaint from DATE remains unanswered.

 

You could also add that should they assign the account or merely employ a 3rd party agency to harass you - you will advise the 3rd party/assignee that Amex have misled them and that there is an unresolved dispute outstanding.

 

How does that work

[ManSizedRooster]

God bless you citizenB. I'd put all this behind me for the past 4 years and got on with my life. CAG is still here, selflessly helping people. Donation on its way!

[fredleped]

God bless you citizenB. I'd put all this behind me for the past 4 years and got on with my life. CAG is still here, selflessly helping people. Donation on its way!

 

Must be going over some old ground, I've just herd from again after 4 years.FRED

[citizenB]

Yes, we are seeing quite a few accounts that appear to have been dormant for a while, being pursued !

[Cunning Plan]

Yes, we are seeing quite a few accounts that appear to have been dormant for a while, being pursued !

 

Yes I second that. Nothing from them since 2010, when they took me to court and pulled out 24 hours before the hearing, I've received 3 letters from them. Just waiting on their next move.CP

[paulsil]

After trying to palm me of with an agreement written five years after my account was opened, in 2012 Amex agreed, following a complaint to the ombudsman, that is was not a true copy and paid me £100 compensation. I, to date have not, after asking for over 4 years, received a true copy. However, they have now sold the debt to a DCA. Any advice please??

[Sparks_]

Is this not statute barred now?

[paulsil]

I have been paying the debt at an agreed rate each month since 2004 so I gather that does not apply. I applied for the CCA in 2009. Got sent one from 2004 (account opened in 1999). I complained, AMEX admitted in had no Ts & Cs before 2004. I got Ombudsman decision in 2012. I am happy to keep paying the small amount I do each month, but I just want it settled once and for all. Amex hand to one DCA who when they discover it is unnenforeable hand it back only for Amex to hand it on again. This is now DCA no 5 I think!!