Uptight!

Been a grouchy bride-2B these 2 days...

Having several heated conversations with one of the banks - AMEX. Previously had a card with them but cancelled more than 2 years ago. Like any other credit card cancellation, I thought the case was totally closed... But Nope! I'm wrong... Dunno anything until we applied for our housing loan with one of the main local banks & this lady, Sylvia, came back to me saying our loan could not be processed until I've settled the issues with AMEX. ?!?!?!?!!!!? What the ??? Told Sylvia I've nothing with AMEX as I terminated the membership 2 years ago. She's not convinced at all as the info from Credit Bureau clearly showed that I've not made payment for 5 months! Called & verified with AMEX & according to them - the account was indeed officially closed a looooong time ago. But why not showed in the CB report? AMEX' explanation: Perhaps at the point you cancelled your card there's a minimal amount of interest charged which you're not aware of & so it appeared as an outstanding sum. Here's the best part: "OH, MAYBE WE HAVE FORGOTTEN TO UPDATE THE INFORMATION TO THE CREDIT BUREAU"...! Asked them to fax me the closure confirmation letter, they said needed 1 day for the machine to churn out the letter, which is today. Told them to amend the CB info, they said need minimum 3 days.

Sylvia asked me to demand for an apology letter from them explaining what's the problem. Without hearing me out completely, they rejected my request flatly by saying they do not prepare such letters. When I got angry, they got even angrier than me! Goodness!!

Went down personally to CB during lunch today & discovered what AMEX said was BULLSHIT! They don't need 3 days at all if they were to send an email to CB immed as CB will make the amendments instantly upon receiving the update. Was fuming to the top when back to office & tried calling various parties @ AMEX but either they were not around or no1 wanted to take immediate action! So my conclusion - NOBODY IS WORKING @ AMEX!!! One of the staff even asked me an interesting question: "So what do you want me to do now??!!" Hey excuse me... I'm the victim, AMEX's the trouble maker, not me! That's not all, the fax they promised to send me only consisted of 3 sentences but without the most significant part - when did the termination took place. Wow! Took 1 full day to prepare a piece of rubbish letter! Apparently that girl was not listening!

Couldn't tolerate it... and most importantly, every1 is waiting for this amendment from stupid AMEX including Sylvia, the property developer, the property agent (as they are trying their best to block their colleagues to bring viewers to the same unit, which is a good 1) ....... called AMEX 1 last time, was again being transferred around... STILL, NO1'S WORKING @ AMEX!!! Eventually, this poor lady who's the Customer Svc Mgr took my call & my stern complaint... told her that she better get the info @ CB changed immediately as I'm in the midst of preparing a complaint letter to their head, cc. Assn of Banks of Spore, cc. Monetary Authority of Spore, cc. Credit Bureau... also warned them am in public relations & have a good contact network of journalists, so I'm most prepared to make this known to every1 including my friends to stay away from AMEX. I am dead serious.

So my friends, this a lesson learned. Never be too sure about what info provided by the banks which you've dealings with will be accurate. When you know you're going to apply for a loan esp a big 1, it's better to get a copy of the CB report of yourselves (contact me directly if you wanna know how to go about doing it) to be sure the info there is correct. Imagine I don't know anything & the fault is not mine at all but gana rejected for loan application & ended up no home to stay coz all banks refer to the same info. Thank God Sylvia was nice enough to tell me what exactly the problem is as, according to CB, many banks just told their applicants that their credibility is not sound without stating any reason & direct rejection. Some banks will tell you it's quite a normal mistake made but they don't realise that it'll affect us infinitely just because of their omission (forgot to update!). It greatly affects my reputation & credibility and has caused me total embarrassment! GRRRR!