Amex-Charge card

[greymatter]

Re: Amex-Charge card

Thank you Niddy thats great.
Will keep you posted
GM

[Never-In-Doubt]

Re: Amex-Charge card

Yes .except the para re:28days from ...
I just put in my bit about phased payments.

Ok, nice one keep us updated and don't reply if they do accept, just in case - let me scan over it if they do and we'll sort you an acceptance letter that covers you for any shortfall etc.....

[greymatter]

Re: Amex-Charge card

was it our template used?

Yes .except the para re:28days from ...
I just put in my bit about phased payments.

[Never-In-Doubt]

Re: Amex-Charge card

I made a 40% offer payable over 3 months.The letter went Last Friday.

was it our template used?

[greymatter]

Re: Amex-Charge card

what offer did you make and when did you do it mate?

I made a 40% offer payable over 3 months.The letter went Last Friday.

[Never-In-Doubt]

Re: Amex-Charge card

Hi Niddy
Thanks for your offer ,very much appreciated.
Actually ,I have sent off a F&F, as this is getting a pain in the butt and will go on forever, being a Charge Card no possibility of an UE!
As you all have helped me so much with this anyway I felt that I should get on and sort it as its not a regulated debt and I know that you have enough on with the UE situations .I will await their response and naturally I will update you as to their reply.

Thank God this is the only CC that I had.
GM

what offer did you make and when did you do it mate?

[greymatter]

Re: Amex-Charge card

Hi Niddy
Thanks for your offer ,very much appreciated.
Actually ,I have sent off a F&F, as this is getting a pain in the butt and will go on forever, being a Charge Card no possibility of an UE!
As you all have helped me so much with this anyway I felt that I should get on and sort it as its not a regulated debt and I know that you have enough on with the UE situations .I will await their response and naturally I will update you as to their reply.

Thank God this is the only CC that I had.
GM

[Never-In-Doubt]

Re: Amex-Charge card

The info I got from them was duff as it was showing a signed application for a Gold Card.
However as this type of card is not covered by the CCA1974 ,I am continuing with token payments and will try for a FFoffer soon.
GM

Best of luck with this...... when you come to do F&F - gimme a shout

[greymatter]

Re: Amex-Charge card

The info I got from them was duff as it was showing a signed application for a Gold Card.
However as this type of card is not covered by the CCA1974 ,I am continuing with token payments and will try for a FFoffer soon.
GM

[Talay]

Re: Amex-Charge card

Though of no help I'll happily share my history of Amex.

Filled in a form on Virgin Atlantic and received what was the Gold Card for Business Travellers. Fee was £185 but waived for a year. This was 1996.

After a while they said they were ceasing this card and invited me to Platinum "by invitation only". You could not apply for Platinum then and it was the top level (outside perhaps unknown celebrity cards). The fee if I remember was circa £325. Circa 1997.

A while later I was invited to join Centurion, which had replaced Platinum at the top of the tree. This came will all manner of benefits but carried a fee of £650, again waived for a year. Circa 2000.

Kept the Centurion for a couple of years, arguing for a fee free once but then cancelled.

The only form I ever remember signing was a "back of a fag packet" thing on the flight, though I may have been required to sign something for the original gold card. I certainly did not need to sign anything for either the Platinum or Centurion black cards.

[MattyA]

Re: Amex-Charge card

Amex are feckers.....watch your back.They will not give up no matter what

I too had a gold charge card then a platinum one - which they took off me rather quickly - lol

Still fighting em through thr courts

Matty

[greymatter]

Re: Amex-Charge card

Understood
Thanks Niddy
GM

[Never-In-Doubt]

Re: Amex-Charge card

Hi Niddy
Any more thoughts as to what approach I need to make to Amex?
Thanks
GM

I really don't know! I am not that clued up on charge cards and to be honest although it seems they've given you the run around they can add a default marker as it is still a true reflection of how you ran the account; forget the fact it isn't CCA1974 protected - the CRA sharing element comes from DPA not CCA and thus yes, when you signed the agreement originally you agreed to them sharing data.

I think you may be best just leaving this and see where they go with it, if they take action then we could pass it to Paul to look at but right now I really cannot offer anything suitable to add as the confusion lies within the mixed accounts you held.

[greymatter]

Re: Amex-Charge card

Hi Niddy
Any more thoughts as to what approach I need to make to Amex?
Thanks
GM

[greymatter]

Re: Amex-Charge card

No they didnt send me a DN but it shows in the Equifax and Experian Credit Bureau reports as Default.
GM