Amex-Charge card

[Deepie]

Re: Amex-Charge card

If it was me. I would resend CCA recorded this time.......

Ok
Thanks Niddy

it was in 2 deep not me

But I do agree with him

Maybe you should get a surfboard to go with your Avitar....

[Never-In-Doubt]

Re: Amex-Charge card

it was in 2 deep not me

But I do agree with him

[greymatter]

Re: Amex-Charge card

Ok
Thanks Niddy

[Deepie]

Re: Amex-Charge card

Hi Niddy
Sorry but what I meant was the 12+2days finishes on Friday,sorry 'bout that Nid.
I have always sent by recorded but for some unknown dumb reason I did't this time.Oh what a Prat won't do that again!
Finally I did 'phone the PO and they told me they cannot trace the PO and I need a form P58? and the time it takes for a reply could be months!
Anyway ,thanks for your response due to the fact that this is a Charge card I want to make sure I tackle this to my advantage .(with your help thank you)

If it was me. I would resend CCA recorded this time.......

[greymatter]

Re: Amex-Charge card

Hi Niddy
Sorry but what I meant was the 12+2days finishes on Friday,sorry 'bout that Nid.
I have always sent by recorded but for some unknown dumb reason I did't this time.Oh what a Prat won't do that again!
Finally I did 'phone the PO and they told me they cannot trace the PO and I need a form P58? and the time it takes for a reply could be months!
Anyway ,thanks for your response due to the fact that this is a Charge card I want to make sure I tackle this to my advantage .(with your help thank you)

[Never-In-Doubt]

Re: Amex-Charge card

Hiya

I'm lost - what do you mean you have until Friday until the "final day" - I didn't know doomsday was real

If they do not respond to your CCA request - tough! They're in default, fine - so what...?

You ring royal mail and they'll confirm if the PO was ever cashed or not. You should have the stub or details of it on the receipt and always send letters recorded as it proves to a judge that you did send the letter!

[greymatter]

Re: Amex-Charge card

Niddy
a quick update.
I have a sneeky feeling that I will not get my CCA request.I realise that I still have 'till Friday before its final day.So just in case I don't receive it what should I do/send please.
Unfortunately I only sent this by 1st class post although I have the PO number of course,but to track this could take months!
Thanks
Gm

[greymatter]

Re: Amex-Charge card

Thanks MattyA
No charges have been made and the o/s balance shows no interest charged.
I made a F&F 20% but they wanted 50%.
At the moment I am awaiting a response to my CCA request ,still have a week to go yet.
Greymatter

[MattyA]

Re: Amex-Charge card

Have you tried reclaiming charges (over limit / late payment ect?) and even membership fee - if like me ,you have been on a repayment plan and were stil charged membership / membership rewards fees even though you were not allowed to use the card!!)
They will refund but will baulk at refundinding the associated interest applied to the charges by them.
I have two cases with the FOS re Amex.

They are also open to F&F offers.

Good luck,

Matty

[greymatter]

Re: Amex-Charge card

Yes of course.

[Never-In-Doubt]

Re: Amex-Charge card

Good luck - keep us updated yea?

[greymatter]

Re: Amex-Charge card

Many thanks Niddy.I will get onto it.

[Never-In-Doubt]

Re: Amex-Charge card

I have not had a reply as yet from Paul ,but I'm sure that will follow later.However in the meantime how can AE show on my Credit ref file that they defaulted me in 2010 and yet I stopped paying them the full amount in 2002.Only paying a monthly token payment each month since then.Never missed a month either.Even if I'm not covered under CCA surely this cannot be right?

Send for the agreement and lets take a peek, before doing anything or worrying about anything!

Charge cards are definitely not CCA protected, however if they allow a cash advance or other credit card based features then it may be part regulated..... get the CCA first, if they reject the s.78 request then SAR them.

The devil is in the detail so we need the agreement before we suggest anything, sadly.

[greymatter]

Re: Amex-Charge card

I have not had a reply as yet from Paul ,but I'm sure that will follow later.However in the meantime how can AE show on my Credit ref file that they defaulted me in 2010 and yet I stopped paying them the full amount in 2002.Only paying a monthly token payment each month since then.Never missed a month either.Even if I'm not covered under CCA surely this cannot be right?

[greymatter]

Re: Amex-Charge card

Hi Garlok
I have pm'd Paul
Thanks