Dear all,
Many of you will recall my woes with AMEX ( plus others ).
Today, my wife receive notification, that AMEX intend on persuing us
( actually her account ) for ' several thousand dollars '.
Story goes like this:
Balance transfer ( BT ) from my non AMEX credit card to her AMEX card. Her card paid out, I then wanted to BT her credit limit back to my non AMEX card ( for reasons of making monthly payment & min. interest for previous month ).
AMEX refused to do a BT ( discussed on other threads ). AMEX advise, get other bank to cancel BT, and do a reversal. Request placed with non AMEX card.
However, during this time, I declared Bankruptcy, and my non AMEX card account was frozen, later closed.
Now, apparently, the non AMEX card sent the funds back to AMEX, which gave my wife's card a positive balance of 'several thousand'. AMEX offered to provide a cheque to my wife. She asked for the account to be closed.
So, AMEX sent her a cheque, and closed the account. That was in February this year. They also sent a final statement, stating clearly:
" Your account is now cancelled and no payment is required ".
No further statements for next two months, then one turns up in June, stating an outstanding balance of ' several thousand'. Please pay $175. interest payment.....
The whole thing is ' clouded ' by my Bankruptcy - the non AMEX account being closed and cancelled, BEFORE the transaction of these funds was completed. It's taken a number of months for AMEX and the other bank to realise that it didn't add up.
However, I have ( we have it ) it in writing from AMEX, that my wife's account was formally closed and cancelled ( can't even log on anymore ), and no payment is required.
Aside from any perception of morality ( does anybody really feel that way for AMEX ??), do they have the right to demand payment for these funds??
Would we have a reasonable chance of success, in the Fair Trading Tribunal, stating our claim of ' their problem now '??
Would value comments,
thanks,
GORDO ( and Mrs. )
Many of you will recall my woes with AMEX ( plus others ).
Today, my wife receive notification, that AMEX intend on persuing us
( actually her account ) for ' several thousand dollars '.
Story goes like this:
Balance transfer ( BT ) from my non AMEX credit card to her AMEX card. Her card paid out, I then wanted to BT her credit limit back to my non AMEX card ( for reasons of making monthly payment & min. interest for previous month ).
AMEX refused to do a BT ( discussed on other threads ). AMEX advise, get other bank to cancel BT, and do a reversal. Request placed with non AMEX card.
However, during this time, I declared Bankruptcy, and my non AMEX card account was frozen, later closed.
Now, apparently, the non AMEX card sent the funds back to AMEX, which gave my wife's card a positive balance of 'several thousand'. AMEX offered to provide a cheque to my wife. She asked for the account to be closed.
So, AMEX sent her a cheque, and closed the account. That was in February this year. They also sent a final statement, stating clearly:
" Your account is now cancelled and no payment is required ".
No further statements for next two months, then one turns up in June, stating an outstanding balance of ' several thousand'. Please pay $175. interest payment.....
The whole thing is ' clouded ' by my Bankruptcy - the non AMEX account being closed and cancelled, BEFORE the transaction of these funds was completed. It's taken a number of months for AMEX and the other bank to realise that it didn't add up.
However, I have ( we have it ) it in writing from AMEX, that my wife's account was formally closed and cancelled ( can't even log on anymore ), and no payment is required.
Aside from any perception of morality ( does anybody really feel that way for AMEX ??), do they have the right to demand payment for these funds??
Would we have a reasonable chance of success, in the Fair Trading Tribunal, stating our claim of ' their problem now '??
Would value comments,
thanks,
GORDO ( and Mrs. )