Amex sucks!!! Help!

[Junejer]

Just deal with Amex. The CA has to inform you within 5 days of putting anything adverse on your CRs.

ETA: I am with some of the other posters who have NO use for an Amex. Never wanted one, and never will app for one.

Message Edited by ByrdMan on 12-07-2008 08:13 PM

[Anonymous]

Yea. No more Amex for me ever again. I will just make the payment to Amex, and I will also call that CA, and see what they have to say. I will inform them that I am paying Amex directly, and try to make sure they will not be reporting that account.

[Junejer]

You might be asking for trouble, motorsports, by calling and talking to a CA on the phone. You've been warned two or three times in this thread not to talk to a CA on the phone for good reason. Many people have been burned by speaking to a CA on the phone.

[Anonymous]

Ok, what happened in the past to others who have done this?

[Anonymous]

Collection agancies are masters of gettting you to say things you shouldn't that can bite you in the [Edited] down the line.

Mainly the talk you around until you end up in some way admitting the debt is yours. Then they pursue you for it.  It just becomes a big pain to get them to quit and to make sure nothing gets reported to the CB's.

Basically, pay AMEX the money, Send it certified mail, return receipt.  Keep copy of check (physically make a copy of it before you mail it)  Keep a copy of bank statement showing check cleared.  Keep copy of AMEX statement prior to payment and copy of final statement showing ZERO balance.  The minute this shows up on your credit report or they send a collection letter, send them copies of all of this certified mail return receipt along with a DV.  They can not prove the debt is valid if it has already been paid with the original creditor.

Edit:  Please watch language in the forums thank you.

Message Edited by ByrdMan on 12-07-2008 10:05 PM

[Anonymous]

Nice, I will keep all records of my current statement, and statement after the payment, also the bank statement showin the payment cleared.