Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. 8th October 2009 11:22 #1
    BillHicksGhost BillHicksGhost is offline
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    Default BillHicksGhost vs Mint

    Hi all,

    I am hoping I can get a bit of help. I recently sent the CCA letter to Mint. They have responded but I'm not sure if what they have sent me is enforceable.
    Basically I have uploaded the two main (I think) parts. The sheets were separate on one there are no dates and no page numbers to show the documents are together






    Any help would be really appreciated

    Thanks

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  2. 9th October 2009 08:31 #2
    Enron Enron is offline
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    Default Re: BillHicksGhost vs Mint

    The second sheet is new, its the varied agreement, as it lists the default charges at the post April 2006 levels.... so the important document is the first sheet.

    Will see if I can get someone to take a look for you.

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
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  3. 9th October 2009 09:23 #3
    BillHicksGhost BillHicksGhost is offline
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    Default Re: BillHicksGhost vs Mint

    Thank you very much Sir, I am not as up on this stuff as I would like to be.

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  4. 9th October 2009 10:48 #4
    steven4064 steven4064 is offline
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    Default Re: BillHicksGhost vs Mint

    The first sheet is a valid credit agreement - it has all the prescribed terms and your signatureicon

    Steven

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  5. 9th October 2009 11:11 #5
    BillHicksGhost BillHicksGhost is offline
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    Default Re: BillHicksGhost vs Mint

    Quote Originally Posted by steven4064 View Post
    The first sheet is a valid credit agreement - it has all the prescribed terms and your signatureicon
    Not what I wanted to hear but thanks for your help.

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  6. 9th October 2009 11:50 #6
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    Default Re: BillHicksGhost vs Mint

    If you are finding it hard paying the balance, or are in financial difficulty it might be worth trying to negotiate a settlement with them, or approaching someone like CCCS for advice on the situation.

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
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  7. 12th October 2009 14:23 #7
    BillHicksGhost BillHicksGhost is offline
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    Default Re: BillHicksGhost vs Mint

    Quote Originally Posted by steven4064 View Post
    The first sheet is a valid credit agreement - it has all the prescribed terms and your signatureicon
    I have been looking at this a bit more and what should I make of Section 61(a) of the consumer credit act which states

    “A regulated agreement is not properly executed unless-” it …”is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor…”

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  8. 13th October 2009 10:27 #8
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    Default Re: BillHicksGhost vs Mint

    I know its not what you want to hear, but some courts unfortunately consider a stamp as the companies signatureicon on the document.... though I would suggest PMing steve for confirmation on this.

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
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