Thread: MINT - Response to CCA request

Hi everyone,

I had some really great advice about my MINT card on one of my other threads, which basically suggests they've sent a defective DN closely followed by a termination letter.

I did a CCA request to see if I could get the Holy Grail and here's what they've sent me. The second page is clearly a copy of the original application form, but the rest looks like something from their "Template Library"! My first impressions are that the Application form does look like it may be a proper CCA but I still can't get my head around the Prescribed Terms etc etc...

Also in the envelope was the current T & C's of 09/09.

Could anyone wiser than me have a look over it please?

Thanks in advance - BL

Ltr - http://i777.photobucket.com/albums/y...tccareply1.jpg

App Form/CCA? - http://i777.photobucket.com/albums/y...tccareply2.jpg

Page 2 - http://i777.photobucket.com/albums/y...tccareply3.gif

Page 3 - http://i777.photobucket.com/albums/y...tccareply4.jpg

Page 4 - http://i777.photobucket.com/albums/y...tccareply5.jpg

Page 5 - http://i777.photobucket.com/albums/y...tccareply6.jpg

Hi,
While I'm certainly not wiser, that "agreement" looks a little flawed to me.
It is devoid of any key terms.

Do the separate terms contain your signature?

The application form does state that you agree to the terms as set out separately which means they would have to prove you received them at the same time as the application. That isn't going to be easy.

One other thing. In the covering letter, they state they have received the fee and applied it to your account. That fee is for them and not to be used to help settle the debt.

Prescribed terms that should be on the agreement you sign are:

The APR
Your credit limit or a statement saying one will be set
Repayment terms

Hold fire for more peeps to comment.

fox

No, my signature only appears on the application form. The T & C's look to have been printed off a pc, probably from a database. I don't recall getting any with the application form.

Anyone else care to have a look for me? What Silverfox says is quite interesting, but would appreciate further comments.
Cheers
BL

Hi Oldchap,

actually, I've not heard anything more from them since they sent this "agreement".

Hopefully someone might see this thread who knows more than I!

Further to previous comments about the unlawful recission of the account by Mint, I'm a bit confused...

Although I didn't write accepting their unlawful recission of the agreement (although I understand I'm not obliged to do so), I have continued to pay the pro-rata amount I originally offered.

Is it now worth me writing to them (forgetting about the validity or otherwise of the CCA) along the lines of:

following your unlawful recission of the account last year, by my calculations I have now paid £75 towards the arrears figure quoted in your termination letter.

I now consider the account to be repaid in full.........

OR words to that effect (if someone could point me towards a better version I'd be grateful!!)

BL

It looks as if you are missing the reverse of the credit card agreement.

The document which follows your link to the front, would appear to duplicate the text on the front - so that's not the reverse.

The other information appears to be a copy of the Terms & Conditions at the time of applying for the account - whilst it says that you agree to be bound by the Terms & Conditions for the "executed agreement" to be properly executed all the prescribed terms have to be in the executed agreement itself, and cannot be separate.

So at the moment it's a fail for RBS.