dori2o taking on AIC

[dori2o]

Brief note on where we are.

Defaulted on Amex card, and it has now been passed to AIC. (Default is invalid as it did not allow for 14 days from receipt to rectify default but gave onlt 14 days from date of letter)

Sent a CCA request to them and they responded with an application form with no T&C's no prescribed terms on the "agreement" so looks unenforceable, so sent them a letter stating it diod not comply with CCA request.

Then I got a letter from H L Legal and Collections advising they were considering court action on AIC's behalf if i did not settle within 7 days (up on Tuesday 22nd Dec) Letter returned to HL stating reasons for not paying (CCA request not complied with)

Got a letter yesterday from AIC with another copy of the credit card application AND a copy of an american express platinum card application form in somebody elses name- this includes the personas address, name, and telephone details along with their signature.

So, a few questions, how do I now respond to AIC with regards to the application form they have sent- do I send another letter stating it does not comply with the CCA.

2, What do I do about the application I have received in somebody elses name. Is it woirth writing to this other person and letting them know I have received it/ forward it onto them?

Do I report it to the ICO/OFT/TS/Police?

Any and all help appreciated.

[Curlyben]

Re: dori2o taking on AIC

Could you possibly scan and post a copy of this document.
Bear in mind applications CAN be agreements.

Ignore HL Legal as they are simply Solicitors-For-Hire and don't actually have anything to do with the action.

[dori2o]

Re: dori2o taking on AIC



This is the "Agreement" they sent.

[Curlyben]

Re: dori2o taking on AIC

Hmmm yeah, would make a good paper airplane

Have a read through this sticky as it will prove extremely useful: Consumer Credit Agreements - A Guide - Legal Beagles

[hellhasnofury]

Re: dori2o taking on AIC

Hello Dori2o.

Your quote

Got a letter yesterday from AIC with another copy of the credit card application AND a copy of an american express platinum card application form in somebody elses name- this includes the personas address, name, and telephone details along with their signature.

So, a few questions, how do I now respond to AIC with regards to the application form they have sent- do I send another letter stating it does not comply with the CCA.

2, What do I do about the application I have received in somebody elses name. Is it woirth writing to this other person and letting them know I have received it/ forward it onto them?

Do I report it to the ICO/OFT/TS/Police?

How very careless they are with other people personal data. It didn't have their personal banking details on it as well.

I would be writing to the ICO informing them of this serious breach of the dpa, enclosing the application form for safe keeping. They will be in serious do do:rudolph:

Then I would write to amex informing them of the error of their ways and that you have sent the copy to the ico for safe keeping.

The other thing that you could do is let the other person that amex have been rather reckless with their data and they should complain and received compensation for their incompetence.:reindeer:

On another note have you folded up your paper plane yet:santa2: