American Express question

DJS_10

I got sent a card about 4 years ago and like the fool i was then i maxed the card out in about 6 months

Ive been paying them off regularly but they keep hassleing me and have sold my debt to a collections company

Whilst talking to them i mentioned that it was their own stupid fault for sending me a card when my credit rating is so bad to which they replied that amex dont just send out cards, i replied that ive never applied for an amex card ever (and i really have never applied for one, not even unwittingly)

so they have sent me a card that i did not apply for or ask for

is there anyway due to this i can try and be a little git and get out of having to pay them back

moneysavingallday

So it's Amex's fault that you abused your credit card and your finances in general....

Brian_Bullocks

moneysavingallday wrote: »

So it's Amex's fault that you abused your credit card and your finances in general....

Looks like we get all the scammers on this board, looking for ways to get out of their responsibilities (spending the money, then blaming others) :rolleyes:

DJS_10

thanks

if i was trying the "SCAM" them then id not have been paying for the last 4 years

its just the constant threats from them is slightly OTT

nice oponion though

ever thought that if you have nothing constructive to say then say nothing ?

i am constantly seeing on tv where people get offerd deals to pay debts off or infact there was a way around it and though id try and find out

Moon_Boi

moneysavingallday wrote: »

So it's Amex's fault that you abused your credit card and your finances in general....

These people are prats.

DJS_10

who amex or the person who made the comment?

i was in a bad time 4 years ago and where as now id break and bin a card that somone sent me back then feb 04 i used it a bit, then a bit more then it was too late, i would often try and pay back a hundred at a time but charges & interest just made me go a bit silly

you live and learn

back then i owed money to 15ish companies and now its down to 3 and that took 6 years to clear all of them

i just think it was irresponsible to send me a card with an £4,000 limit when its obvious if they whould have done a credit check that i was not suitable

hippey

Were you making the minimum payments?

If you were they won't send it for collection, if not then thats how you got in 'a mess', I very much doubt amex would just issue a card randomly, you will have filled some sort of application in somewhere, perhaps not knowingly for a credit cardbut it has been done.

If you never filled in the application then you could let them take you to court and the debt would be unenforcable without a signed agreement. (I really wouldn't recommend that, as I think an agreement would be in place)

Or pay it off, you did spend the money so morally you do need to repay it, just agree a repayment plan with them.

DJS_10

i know 100% for certain that there is no way i applied for or even agreed for a card

maybe i should ask them for the agreement paperwork as id like to know why they sent it

thanks

freckles25nw

I applied for an Amex card earlier this year, and they were really thorough with asking for paperwork etc, even had to fax my AML documents again, despite having already sent it to them (they received proof of ID, not address, even though they were sent together). I was close to pulling out because there so many obstacles (esp as I have v.good credit rating) but I persevered for the Platinum Amex because of the cashback they offered.

Kavanne

freckles25nw wrote: »

I applied for an Amex card earlier this year, and they were really thorough with asking for paperwork etc, even had to fax my AML documents again, despite having already sent it to them (they received proof of ID, not address, even though they were sent together). I was close to pulling out because there so many obstacles (esp as I have v.good credit rating) but I persevered for the Platinum Amex because of the cashback they offered.

Yes I had similar but I was glad of the thorough checks tbh and it's worth it in the end.

JohalaReewi

DJS_10 wrote: »

i know 100% for certain that there is no way i applied for or even agreed for a card

maybe i should ask them for the agreement paperwork as id like to know why they sent it

thanks

Maybe you should...
http://forums.moneysavingexpert.com/showthread.html?t=1205313