Please review Amex Chargecard Application form/agreement

[Guest mahdi]

Hi Folks,

 

I had sent Amex £1 and requested CCA. They responded by saying chargecards are not regulated CCA.

 

I then asked the DCA in question the same question and they have now sent me the below attached application form purporting to be the agreement but there are no T&C.

 

The application is a very poor quality yet they are threating me to court if I don't pay the DCA.

 

Is this application form enforceable ? please advise as I don't remember ever signing an agreement back in Feb 2006 with T&C.

 

I have also asked the DCA for default notice, termination notice but they are not able to comply to my request apparently.

 

Any advise on Law in regards to charge cards with prescribed Terms ?

 

 

[ATTACH=CONFIG]45866[/ATTACH]

[renegadeimp]

Who is the dca?

[Guest mahdi]

Hi Renegadeim

The DCA is newman.

[dx100uk]

can you pdf your attachment please

 

newman are solicitors for hire [fake/tame dca ones]

 

is this the first dca on the blkock about this debt

 

tell us a wee bit more of its history please

 

got your cra file yet too?

 

see below

 

dx

[Guest mahdi]

Hi DX100uk,

 

Newman is the first DCA to chase for this debt.

 

There is an on-going dispute with a retailer in which I cant say to much as they peruse these sites. The amount in question hadn't been paid since August 2012.

 

Yes I have checked with CRA and there is an entry by Amex of default but there is not default date as per below: Company: Started:AMERICAN EXPRESS 01/01/06 02/06

CHARGE CARD £700

Account Type: Balance:

ARRANGEMENT

Start Date: 05/13

 

Amex have refuse to give me info however the DCA told me that the charge card was cancelled in 9th Dec 2012.

 

All Amex are saying this agreement is not regulated by CCA but I think something is wrong as they keep threatening but not taking any action and all they have is an application form for chargecard rather than agreement with prescribed terms and conditions.

Edited August 18, 2013 by mahdi

[citizenB]

IMHO, an application for something doesn't actually mean that you then entered in to an agreement.

 

You can obtain information by way of a Subject Access Request to Amex and they are obliged to comply by providing ALL data they have in respect of your relationship with them, within 40 calendar days. It will cost you £10.00.

 

I will have a look and see if charge cards are regulated.

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?172749-American-Express-Charge-Card

 

Have a read of the thread above - there will be other links within it that also need reading, but it should give you a good idea of what you should be looking for.

[Guest mahdi]

cheers folks much appreciated.