They don't need to sue. They ask you nicely a few times, then they send a debt collector after you.
I guess, you haven't really read my previous statement.
So Amex is sending a debt collector against the cardholder - so what? A debt collector is just a private person/firm. They have
no special privileges (they cannot seize your bank account, enter your home, downgrade your credit rating) - at least in a country like the UK or Germany.
@
LondonElite: Please tell me - why should anyone be afraid of a debt collector? Without a court title/writ -> the debt collector is powerless. And without a lawsuit, such a debt collector is not able to obtain a court title/writ.
If there are EUR 5000 on the line, I would not hesitate the dispute the claim from Amex in a written form - and then the debt collector is pretty much powerless., because I simply won't pay.
Again, I do not think that Amex is willing to test such a claim in a court of law.