American Express Company Card and Liquidation

EyeSky

I wonder if anyone can be of assistance.

I was the director of a company and was contacted by American Express offering me an American Express Business card which accepted and used as it was incredibly useful for the company.

Unfortunately, the company went into liquidation, and I am told by American Express's appointed legal team that I am personally liable for the debt. I just want to ask is this true?

The card has both mine and my companies name on it. American Express do not have my home address as the card was taken out in my understanding, for the business.

The business always claimed the VAT refunds from purchases on the card, so in my eyes, it was always a company card, with bills addressed to the company, and when the company was forced into liquidation, the card balance would be the responsibility of the liquidators.

Can anyone advise on this please?

Many Thanks

JCS1

Corporate Amex cards tend to be joint and several liability, so you would be liable in that case. Do you still have the T&C's that were signed?

EyeSky

Not that I am able to find, unfortunately.

I would have thought if I was personally liable they would have needed my home address, and information in order to get the card?

That is the bit that I don't understand.

JCS1

As a Director your home address would have been available from Companies House (unless you had a c/o address)