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joneseyblod

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  1. Read through that previously, and also currently reading through the discussion thread on it. Both very interesting reading. Im just unsure what to do if my letters to MINT keep vanishing, as its not really something to take them to court with (invalid default and then termination) but to use if they take you to court
  2. Yes complaint letter went off to the Information Commissioner and im thinking going to go to court to demand the release of information about me. Robinson Way have closed their files and returned the account back. Wonder who will be next
  3. When account was originally closed after the above account closure document with special instructions for a/c to be written off was processed, it went out to debt collectors MCS but then recalled after a couple of months and re-opened. Nearly a year down the line from then it was then closed again and sent out to MCS again. However this time it was just a bad debt memo that went to MCS and no account closure documents or a/c to be written off. this fwas rom the SAR received. Also in SAR was a final demand (not default notice) requiring to pay outstanding balance, and if dont they would report this to CRA's so perhaps the current account equivalenet to a default notice? Big question is, if this does go to court over the non provision of overdraft facility documentation, or they insitgate court action, does the difference in documentation each time mean the accounts should of been written off in the first place? (And not gone to MCS) And if so would it make any difference that they then re-opened the accounts for nearly a year and then sent back out to MCS?
  4. This is really odd because they are still trading, do we know what happens with things like their courses, investment club etc?
  5. Sorry for the delay, had some family issue that took the wind out of my sails... I have had a further phone call, but not letter. They have made an offer which very nearly clears the balance. I would have to sign an agreement or something about this though.
  6. Sorry for delay here. I had a family issue that knocked the wind out of my sails for a while... I have wrote a couple of letters to Mint in reference to the Default Notice, but mysteriously they keep vanishing. Plan is to do SAR and place account in dispute over the amount owed. As I now believe I owe the arrears stated in the invalid default notice only, as the account was subsequently terminated. Any other suggestions or thoughts?
  7. Update Firstly sorry for the delay I had a family issue that knocked the wind out my sails for a while... I clarified that the account had been sold to / owned by Halifax / Bank of Scotland group. I have a terms & conditions or agreement? with no signatures from either party with bank of scotland. Which was sent when the account was transferred over. I did have an arrangement with HFC to pay £5 a month until further notice, however when the account was transferred to HAlifx/BOS they immediately sent out the default notice and initial communication with them confirmed they would not accept £5 a month payments and the account would go out to debt collectors. Account went out to Robinson Way and a letter was sent to them in non acknowledgement, being bemused at the transfer, no legal credit agreement, and request them to close their files. Also sent a complaint letter to Halifax in refernce a missing SAR from 12th March, account being in dispute since last year due to lack of agreement with prescribed terms, them not continuing to accept the arrangement of £5 with interest and charges suspended (as agreed with HFC) and defaulting the account and sending out to debt collectors. From Robinson Way received a letter advising they were obtaining the agreement and would place a hold until they received this. From Halifax a reply came from the Customer Relations Manager. Standard type response including - they have obliged with their obligations under the consumer credit act and a copy of my signed credit agreement has been provided to me. apologise for the delay with the SAR will be issued as soon as possible (this was a month ago and still no response! Nearly 5 months now!) Unable to remove missed payment information from credit file, information is factual about how account has been run. Account is still with the bank but has been passed to a 3rd party Robinson Way to collect payments. Any repayment programme or full & final settlement would need to be arranged directly with them. I today have received statements from Robinson Way instead of a signed legal agreement and their letter requests I settle the account within 10 days.
  8. Bankfodder "If you have charges going further back, then claim those as well. I think everybody should claim the charges back to 1995. I think that there is a very good basis for arguing that all charges claim back to 1995 should be repaid -- and we are working on arguments and templates to support this. Watch this space" Would be very interested in that! Only issue is under DPA banks only keep hold of information for as long as is necessary. And in all cases I have struggled to get statements for more than six years as they say they no longer have them... Without statements no-one will know how much they have been charged since 1995. JB
  9. Is that a private link? I get a message about the link being invalid...
  10. Uggh some not good news coming out lately is there...
  11. I cant see anything about them dealing with agreement disputes, and they only offer telephone advice, you still do all the letter writing etc. Wouldnt you probably get the same advice from CAG? If im looking at the wrong part do tell me though!
  12. Blimey one letter costing £500 My other agreement is also with Mint, funny eh both are HFC and Mint. WIll have a nose on their website and see if I doing a general internet search brings up any feedback from people using them. Yes I saw that OFT thing, as you say about time indeed!
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