10,000 bonus points per 20 transactions

[rodgerbranch]

Termination with 5 months backdated effect is a pretty interesting idea the fos legal eagles can analyse. Personally I think Amex has trouble backing away from 2 1/2 months of promises they'll pay up on 31 December and 31 January. Meantime people relied on those assurance and a fos case worker says the ombudsman wants details of Amex's recent decisions preventing ffseats being bought - fos can require Amex to pay cash money she says.

Maybe Amex will be ordered to pay out cash seats? That's a public relations disaster.

And can anyone who was overpaid plan a trip? Amex may well claw back overpaid bonuses too. What would stop it reversing Roger's 2.2 million or others overpays by saying the txs weren't everyday spends or whatever. I wouldn't be sleeping well before the plane took off.

Yeah that could happen . I know that westpac clawed back points paid in the month of November last year (due to computer error)

However, in my opinion Amex will try to minimize their losses other ways first. The easy way will be to get tough with those already in the suspended list and find the smallest detail that could imply abuse, and cancel the member’s card.

The other way will be to pay as many people as possible and leave a few abusers unpaid to drag the case trough the courts at their own expense. At that point you will probably need your FF friend to show up in court, although I don’t know how many will be there (specially those who have already been paid in full).

 

[NSWhere]

Because some of your transactions looked like they were dodgy. They had to review your account to determine if they let your keep your points or if they could simply not pay you. As it turned out, your transactions pass the "legitimate" test.

Others (like myself) have never been POC or suspended or sent any letters. Those are the fully legitimate players. Those whose transactions were completely legitimate and didn’t have to be reviewed.
....

Rodgerbranch
I now realise that you are fully resistant to logic and as I implied in a recent post (in response to your mock-up account balances) you would be well advised to seek professional help.

That said, implying that you're a "fully legitimate" player but that people who have been queried and cleared aren't is equivalent to saying that people who have been arrested and cleared are somehow less innocent than people who have never been arrested.

To everyone else, I'm sorry, I will stop feeding the troll now.

 

[vet]

Why courts? FOS is free and can access records why MR staff were telling people their screens said 'your in' whilst 'backroomers' were deciding otherwise.

And iit says it can compensate financial losses. Who needs courts? I'm glad someone on this website recommended FOS ages ago. I can't see fos letting amex off the promises that you're in, will be paid X on, etc. There's gotta be a law against that.

Amex should just payout and write off windfall overpayments.

 

[kyle]

Here's an update of my situation if anyone is interested.

Just to recap:

1. Non-targetted
2. Enrolled in all three promotions
3. Called Premium Card Services to cancel two of them, except 5T/5K
4. Awarded some points in Sept
5. Been POC'ed some points in Oct
6. Received multi-enrolment letter, moving me to 10T/5K
7. Received apology letter citing admin error saying that I will continue to be on 5T/5K
8. Been allocated points end of Dec and early Feb.
9. By my calculations, I've been awarded points under the 10T/5K promotion, so I'm short-changed about 145K points.

So today I called Premium Card Services. While I did not get to speak to Membership Rewards, the following was relayed to me:

1. Membership Rewards said all points have been allocated to me
2. Advised me that I'm subject to 10K cap. The CSR said because the system was not set up correctly to impose the cap, I was awarded more points than I should be entitled.
3. Case now put to the specialist team at the 'back office' who will provide a points reconciliation to me within 10 business days.

And I'm ready to head to the relevant govt dept with the Amex 5T/5K apology letter in hand...

 

[Flashback]

Here's an update of my situation if anyone is interested.

Just to recap:

1. Non-targetted
2. Enrolled in all three promotions
3. Called Premium Card Services to cancel two of them, except 5T/5K
4. Awarded some points in Sept
5. Been POC'ed some points in Oct
6. Received multi-enrolment letter, moving me to 10T/5K
7. Received apology letter citing admin error saying that I will continue to be on 5T/5K
8. Been allocated points end of Dec and early Feb.
9. By my calculations, I've been awarded points under the 10T/5K promotion, so I'm short-changed about 145K points.

So today I called Premium Card Services. While I did not get to speak to Membership Rewards, the following was relayed to me:

1. Membership Rewards said all points have been allocated to me
2. Advised me that I'm subject to 10K cap. The CSR said because the system was not set up correctly to impose the cap, I was awarded more points than I should be entitled.
3. Case now put to the specialist team at the 'back office' who will provide a points reconciliation to me within 10 business days.

And I'm ready to head to the relevant govt dept with the Amex 5T/5K apology letter in hand...

What date did you register though? If it was after September 20, then that's correct. Regardless of what promo you're on you would be capped.

 

[rodgerbranch]

Whyb courts? FOS is free and can access records why MR staff were telling people their screens said 'your in' whilst 'backroomers' were deciding otherwise.

And iit says it can compensate financial losses. Who needs courts? I

'm glad someone on this website recommended FOS ages ago. I can't see fos letting amex off the promises that you're in, will be paid X on, etc. There's gotta be a law against that.

Amex should just payout and write off windfall overpayments.

I am sure the FSO will go to any extent to help people who are caught on a legal dispute that could affect their credit record or financial situation. There are 100s of examples such as: some disputing an online transaction worth $1000s, or Excessive/ Wrong fees charged to an account, or been refused a credit card because of a wrong credit record.

Those matters could be certainly being taken all the way to court. However, I personally doubt that a gov body will waste resources chasing CC points. They will for sure send the odd letter out to the respective departments, but when things get serious they will leave it up to you. You know? With the typical response “ Our department can not chase matters of this nature to court…. Blah Blah Blah … we advise you to get legal advice from now on…. Do not hesitate to call us if you have any further questions” :mrgreen:

 

[vet]

Amex's agreement with fos, according to fos, says amex has to pay fos' and the disputant's legals if Amex disagrees with fos' decision. That's not a bad dis-incentive to stop amex appealing a decision of fos. Also its really hard to appeal facts. imo, fos will determiine that amex is bound to pay most people and must pay up the bonuses or compensation to put the disputant into the correct position.

 

[edman]

What would stop it reversing Roger's 2.2 million or others overpays by saying the txs weren't everyday spends or whatever.

Well in one case, if the points didn't exist in the first place...

 

[rodgerbranch]

Amex's agreement with fos, according to fos, says amex has to pay fos' and the disputant's legals if Amex disagrees with fos' decision. That's not a bad dis-incentive to stop amex appealing a decision of fos. Also its really hard to appeal facts. imo, fos will determiine that amex is bound to pay most people and must pay up the bonuses or compensation to put the disputant into the correct position.

I don’t think that any financial institution would give up their rights to apply their own T&C, or to agree to be controlled indisputably by the ruling of a 3rd party institution “Except the supreme court”. In my opinion the FOS will defend your case even if it is mundane or not vital, but only to the extent of your problem. FOS can write to Amex requesting to reinstate you in the promo, but Amex will always hold the right to make the last decision.

At that point you will probably have to put pressure on FOS to chase Amex trough the court. I think that If FOS believes that chasing CC points is a good cause they will request you to disclose all your CC transactions to be analyzed by them before they decide to get involved in a court case. If they find the smallest sings of abuse, then they will tell you to get private legal advice

I think that Amex is saving enough evidence to prove that they have done right for all those who played by the T&C and that they are not going to be lenient to others.

I don’t know how far FOS is prepared to go in this case, since it is about a free to enter free to leave promo. At the end of the day all these government bodies have some sort of responsibility to channel their budget into vital cases. I dont think that CC points meet that criteria.

 

[kyle]

What date did you register though? If it was after September 20, then that's correct. Regardless of what promo you're on you would be capped.

Registered pre 20 Sept. Forgot to include that.

 

[vet]

Roger, Amex 'chose' to give away its rights - its a condition of getting a fin services licence from ASIC that one submits to Fos as a dispute resolver.

 

[rodgerbranch]

Roger, Amex 'chose' to give away its rights - its a condition of getting a fin services licence from ASIC that one submits to Fos as a dispute resolver.

Are you saying that as a matter of fact: FOS solves all disputes related to Financial Services? And that no Banking/Financial dispute has ever or will ever be taken to court?

 

[vet]

If amex dislikes fos's decision, amex can go to court

 

[simongr]

Mate, you were considered a legitimate player just last week. Why? Because some of your transactions looked like they were dodgy. They had to review your account to determine if they let your keep your points or if they could simply not pay you. As it turned out, your transactions pass the "legitimate" test.

Given that you don't work for Amex, are not involved with the allocation of points by Amex , this is all information that you have created without any grounding in fact. If you have any facts, please post them.

Others (like myself) have never been POC or suspended or sent any letters. Those are the fully legitimate players. Those whose transactions were completely legitimate and didn’t have to be reviewed.

Again your facts are not correct as you do not have inside knowledge of Amex's workings. There are people who have been POC have in fact been paid in full.

Most of the posts in this forum aim to picture Amex as not paying points across the board. Most people has been paid and of course they dont post here, because they have no problems with amex.

How do you know this? Do you work for MR and have detailed information on this?

Is that clear enough to be understood?

The only thing that this makes clear is that you are purely posting your speculation, much of it phrased in such a way to be offensive to a number of posters here.

I am sure the FSO will go to any extent to help people who are caught on a legal dispute that could affect their credit record or financial situation. There are 100s of examples such as: some disputing an online transaction worth $1000s, or Excessive/ Wrong fees charged to an account, or been refused a credit card because of a wrong credit record.

Those matters could be certainly being taken all the way to court. However, I personally doubt that a gov body will waste resources chasing CC points. They will for sure send the odd letter out to the respective departments, but when things get serious they will leave it up to you. You know? With the typical response “ Our department can not chase matters of this nature to court…. Blah Blah Blah … we advise you to get legal advice from now on…. Do not hesitate to call us if you have any further questions”

Again - do you have knowledge about this or is it more speculation on your part? I have two letters from the FSO - firstly telling me that they have advised Amex to settle this and then secondly after Amex had advised that they would pay, I received a letter from the FSO asking if the matter had been resolved to my satisfaction and if not they would pursue this further. Those are facts and not speculation or fabrication.

 

[oztripper]

Also Amex Qantas FF cards are not eligible... but charge cards are

 

[Flashback]

Also Amex Qantas FF cards are not eligible... but charge cards are

A few people around here have successfully registered on Qantas FF AMEX's at the beginning of the promo.

 

[alemdohorizonte]

You are way wrong.

I have not abused any promo, enrolled in only one promo (5/5 having received postcard), have not received any letter or suspension from Amex.

I still have not received anywhere near the number of points owed to me.

I dont see how you can say "everyone else" has been paid.

i too am waiting for my bonus points to be awarded for my transactions during the end of september and all of oct, nov and december. I have not received any bonus points since late september.

 

[rodgerbranch]

repeated comments

People here quote things they have "heard” from FOS or Amex CSR and that is spoused to be Facts. We all know that probably 90% of posts here are either repeated or not factual, but they get said anyway.

My original post was to say:

1) I have been paid in full by the end of December 2008
2) I was told by the CSR that most people have already been paid in full

I was sorry, because my first approach to the CSR was to demand immediate payment instigated by posts I read in this thread. Later I understood that the process has been done according to the T&C and I just had to wait. When I mentioned the FF thread the CSR told me not to pay attention to the forum (May be some of you were told the same). The CSR carried on saying: “ some people in the FF forum have rightful cases and are been investigated, but others have no valid arguments an will be deal accordingly”



I am sure that one of my fans here will say 90%!!! where did you get that ? That is not a fact!!! Do you work for FF to know that? And the answer is NO I DON’T. However, it is just a matter of looking at random pages of this thread to realize that. Now maybe someone could look trough the near 5000 post here and divide all (repeated and false and not factual post) by 5000 then multiply by 100 and get the exact figure. But the point is the same; there are more useless post than useful once and my posts here are only a 1.5% (That is a fact), so I am not the rubbish generator.

 

[Mal]

But the point is the same; there are more useless post than useful once and my posts here are only a 1.5% (That is a fact), so I am not the rubbish generator.

And it's a wrong fact too.
4918 posts (pre my post).

rodgerbranch (98) - or 1.9% !

 

[codash1099]

To repeat, for the benefit of the naysayer:

I joined pre Sep 20.
I registered for 10/20 and them 5/10
I received 5000 pints in Sptember
I have not been Poc'd
Amex confirm me as on 5/10
My tx's were all normal based on my history. The number of tx's was not above my normal.

I am owed for September, November, December with no October earnings.