Reply To: Amex card suspended and then cancelled

[TooPoorToBeHere]

Player 2 here has had a similar experience.

Her income is pretty low (but declared honestly on application); she put some pretty hefty billhop transactions through immediately on getting the card.

Amex wrote asking for her to contact them – which she was very disinclined to do (she was somewhat-reluctantly playing the game in order to get the BA benefits) – instead settling the outstanding balance and requesting account closure.

A few days later a notice of default arrived, naming the sum of £250 (the annual fee). The website showed a much smaller sum owed (proportionate refund of most of the fee), which she’s paid.

They’ve ignored related correspondence so far and it’s on my todo list to go complaint, then ombudsman if necessary, and check whether Amex have placed defamatory notices with credit reference agencies.