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I have a default with Mint that is unsettled, and I have not heard from them in 2 years. Will it automatically drop off in 4 years if I do not settle it?
Should I try a CCA challenge with them? I do not remember ever receiving a default notice. I also made an effort to start making payments but never heard back from them.
Would really appreciate some advice...as I really need this default removed.
Default removal is not going to be easy if Mint have an enforceable agreement. So a CCA request would be the first thing to do. If they send you anything, you can post it up on here for someone to have a look at.
If what they send you is not enforceable then you can start looking in other directions.
The fact that no one has contacted you about the account is a long way from being a factor at the moment, people get chased for debts alot older than yours with no contact for years.
just a quick question: if i do not pay the debt off, when willthe default drop off my file, is it 6 years from the date of the actual default notice? Or will it be there perpetuallly if I do not pay it?
just a quick question: if i do not pay the debt off, when willthe default drop off my file, is it 6 years from the date of the actual default notice? Or will it be there perpetuallly if I do not pay it?
The default would drop off if there were no action on the account from the time of it being entered and 6 years hence. The thing is that your alleged debt has not been chased at all yet, which means if Mint pass on the account then the chances are that a DCA will enter a default themselves anyway just to keep your credit file up to date.
The sensible way to fight this is make them prove you owe them the money and all other side issues will follow one way or the other.
MINT card - unsettled default, please help!
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