Amex-Charge card

[garlok]

Re: Amex-Charge card

Hi greymatter,

brandon is here:-

>allaboutFORUMS

Have a quick word with Paul he may be able to give a quick definitive answer yes or no on this.

regards
Garlok

[greymatter]

Re: Amex-Charge card

If I have no defence re Charge Cards then should I just keep up the small token payment rather than challenge them.Cos if I do challenge them it could possibly rouse the interest,so far not charged, to come into play.They would accept a F&F at about 50%,but thats too much for me.

[greymatter]

Re: Amex-Charge card

Nope ,unfortunately this is not a store card .
However this account has NEVER been terminated via the DN route, where can I read about the brandon case please.

[garlok]

Re: Amex-Charge card

One very important question:
Are charge cards subject to CCA?
I got a gut feeling they are not.
Please advise
Thanks

Hi greymatter,

Habe a look here at this post and in general the thread, might be of help to you:-

> http://forums.all-about-debt.co.uk/s...66&postcount=6

regards
Garlok

[Deepie]

Re: Amex-Charge card

Sorry for thickness this morning but should it go to Brachers or AE?

Last person who wrote to you........

[greymatter]

Re: Amex-Charge card

One very important question:
Are charge cards subject to CCA?
I got a gut feeling they are not.
Please advise
Thanks

[greymatter]

Re: Amex-Charge card

Sorry for thickness this morning but should it go to Brachers or AE?

[Deepie]

Re: Amex-Charge card

send them a CCA request...........

[greymatter]

Re: Amex-Charge card

Last month and every month token payment agreed.

[Deepie]

Re: Amex-Charge card

When did you last make a payment ?

[greymatter]

Re: Amex-Charge card

Hi Peeps
I realise Niddy is busy and therefore could I throw this question to you .
Naturally Mr niddy too when available.

[greymatter]

Niddy,good evening.I have been paying a token payment to the above.I defaulted back in mid 2002.However I have never received a D/N but nevertheless they passed the account over, in the first instance to RMA and then in March 2005 to Brachers Solicitors.They sent me a fair amount of blurb about'you signed an application form and became bound by their t/cs'.They said they were attached,but did no they were not.Also I noticed that the card number they were using was different to the actual number.(Same amount o/s)
I have looked at my Credit file and noticed that A/E have got me down as default notice issued February 2010.Thats bullshite ,I have never received anything relating to D/Ns at anytime.
Brachers letters to me don't even mention it.My gut feel is that they could see my status getting close to coming of the file(5 yrs) and they put this fictious D/N in to keep it 'live'.
However Brachers write to me every 3 months for an I & E and a proposal to increase my payment.I always send the I & E plus a 'no way am I increasing my token payment' reply.
They write back with'our client is prepared to accept your offer with a review in 3 months'
I have just received for the first time since 2002 a statement from AE showing my os balance.Whats this about?
As this is a charge card am I stuffed under the CCA route etc.
Please let me have your guidance here as I am getting pissed off with having to send the same info back.I would like to stop this and am a bit concerned as to what would/might happen.
Thanks Niddy