daughter has a Amex credit card Debt

[Angel Steele]

My daughter has a credit card with Amex.   

She had been struggling to pay each month due to recent redundancy. 

 She arranged a payment plan with them for £27.00 a month from April.   

She had to ring in to pay them, there was no option to pay online.   

 

Unfortunately she forgot to pay June's instalment due to illness and other issues.     

She has received a communication from them stating unless she pays the full amount of £1,200 by 19 July they will transfer the debt to NCO debt collectors.

 

She has phoned them earlier this morning and offered to pay £150 but they didn't want to know.   

They say there is a plan called Regain that means their agents would deal with.   

 

it is this NCO who are a DCA.   

Amex have emailed a Financial Information statement and she has until next Friday to return it.

 

She is naturally keen to avoid being Defaulted as Amex say when this is passed to NCO they will default her.

Any advice would be very welcome - thanks.

[dx100uk]

don't talk or deal with NCO

and tell her to stop using the phone too to everyone.

they are a DCA with no legal powers at all.

 

probably best to accept she is going to get a default whatever she does.

so pay what she can when she can.

always best NOT to use the phone there either

 

pay it by BACS transfer on her banks interweb prortal.

I would bother either with the I&E sheet

none of their business.

 

send the a copy of our pro rata letter in the debt collection section of the library

[Angel Steele]

Thanks DX for the reply.    At this point she is trying to get Amex to agree to a further payment plan so she won't get a default.

She will not be going down the "passing to our agents" route.   

She has phoned Amex but is going to follow up with a letter and no, she will not be speaking to or phoning NCO. 

[Angel Steele]

Can anyone offer any further advice?     

[dx100uk]

for what you've stated what you are doing?

 

[Angel Steele]

She offered to pay £150 on Monday when she spoke to them.   They point blank refused.

 

Naturally she doesn't want to go with their Regain programme as that means a default and dealing with DCA.

 

We have written to them today and emailed also asking if they would reconsider and accept her payment of £150 and request to set up another payment plan which she can pay online as opposed to having to ring them each month.    She is quite unwell at present and doesn't need this extra stress.    The fact that she has got to this stage with a cc is stress enough.

 

I was asking for advice re them refusing to accept the request, defaulting her and passing to DCA as in can they do this if she has phoned to explain and offer £150, and to hopefully set up a new payment plan.

[dx100uk]

Just ignore any dca

Not alot you can do if they wish to default

but its no a default notice just cal markers

 

pers id just pay what you say you will and do it

no good begging

[Angel Steele]

Not sure what a "cal marker" is.......

 

The letter is not begging!!    It is asking them to reconsider her offer.

[dx100uk]

in their eyes it will be seen as begging..

 

monthly calendar markers [1,2,3] rather than a 'default'  in the debt summary status line.