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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

AMEX in Pursuit after 4 Year Silence

ManSizedRooster

By ManSizedRooster
in Amex

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ManSizedRooster

ManSizedRooster

Posted
Posted (edited)

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 by citizenB
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citizenB

citizenB

Posted
Posted

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 :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...
fredleped

fredleped

Posted
Posted
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

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citizenB

citizenB

Posted
Posted

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

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

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...
Cunning Plan

Cunning Plan

Posted
Posted
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

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  • 4 months later...
paulsil

paulsil

Posted
Posted

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??

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paulsil

paulsil

Posted
Posted

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!!

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