American Express late payments over the last 8 years.. no default or CCAs chasing me.

[schwetta]

Hi all, I have an outstanding balance with American Express, they have never defaulted this account, always marked it as a "Late Payment", and it's now dropped off my credit.

I have been making £2 payments, and they diligently send me statements every month so it's very much a live debt...

 

Wonder if a SAR is worth it at all, and is the way out really just a full and final settlement?

 

Thanks in advance for your time and consideration!!!

 

 

 

 

Amex BA Card (Firstsource Advantage LLC India) £3,994
Last Payment: £2 on Aug 22 to Firstsource Advantage LLC India
Dropped off Credit Report
Lender – American Express Services Europe LTD
Account Type – Credit Card
Status – Dropped off credit report, never defaulted
Account Start Date – May 2008

 

[dx100uk]

Why are you paying an indian solicitor?

Send amex a cca request.

 

Dx

[schwetta]

ok, thanks will do. They (India guys) are the people (possibly internal DCAs for Amex) who were chasing me for repayment...

[schwetta]

Cancelled token payment and sent through a CCA to Amex today...

[schwetta]

 

 

Amex have sent through "Original Application Form and Terms and Conditions, which form the Executed Agreement"... not sure if that does form the signed CCA?

 

 

 

They've also sent through a letter from Sep 2011: "We are writing to tell you about some changes we're making to your Credit Card Account Agreement, which will take effect from 22 November 2011".

 

This also does NOT form a CCA....

 

Amex CCA Response 28Sep22 _Redacted Optimized.pdf

 

Ok figured out how to optimise the pdf... here is a single document.. thank you this is what I will do going forward!

 

Repeating here to make it easier:

 

They have sent through documents but not sure these are a signed CCA:

 

• "Original Application Form and Terms and Conditions, which form the Executed Agreement"
• A letter from Sep 2011: "We are writing to tell you about some changes we're making to your Credit Card Account Agreement, which will take effect from 22 November 2011"

 

 

Appreciate your help as always..

 

 

 

[dx100uk]

so page 5 is the imp one. looks ok 

though it looks like 4 & 5 are backed, one the reverse of the other?

 

dx

[schwetta]

correct, pages 4 & 5 are a single document, the credit card application form with signature and date...

[dx100uk]

Urm...how can you have a filed out application forms asking for them to issue a card on one side and a signed agreement on its reverse from you? Something smells 

Though separately  they would probably mean the agreement was executed 

 

Dx

[schwetta]

Oh, I see. It's 2 separate pages stapled together... Hence why I thought it was a single document...?