Any thoughts peeps?

Just got it back from Mint today.

Yeah and where is the rest?

They sent me another sheet with what I think are the current terms on.

It has the required prescribed terms - a credit limit, an interest rate, a repayment schedule and your signature. In my view this would be enforceable.

Boooger! Oh well, some you win....

Thanks anyway.

I've been paying one of the RBS groups card off at a token rate for about 4 years.

They have now started to write insisting I fill in an I/E form or start paying £80 per month or they will take acytion to recover the debt. Now I'm not sure where they get the £80 per month from, the £4 I have been paying is stretching me anyway.

How can I tell them politely do go away?

just write to them and thank them for asking for an I/E account after doing the one online with the CAB you find that you have been paying to much in the first place and are now going to reduce your monthly amount to £1 per month till things improve

That's easy to do, thank them for their letter asking you to review you finances, and after going through them you can afford XX for XX months and will review it yourself in say 6 months, by the way they don't have the right to make you send them your/their I&E details only a judge can say that, then make your payments in the usual manner please keep all receipts and keep them safe

Have you any further details you can share? are there any charges to reclaim and things like that, all this helps to give you better advise.

Stay off the phone to them don't go through the security say in writing only then hang up,

I've done that already, but they keep sending demands through. The first demand I replied to I said thanks for reminding me about a review. Please find enclosed my new monthly payment which I have had to reduce by £1 per month due to my increased cost of living.

Not sure if that cheered them up to much!

How much is the total owed on this card?

When was it taken out?

How much of the amount is their charges/fees?

£1 a month is all you need to pay, they will be very hard pushed to convince a judge that you should pay more.

I've done all the prove it and CCA stuff. I'm afraid even though the card was taken out in the late 90's its all enforceable. There's about 2k left to pay.

I don't want them getting too snotty as they could push for a Tomlin order..

I've done all the prove it and CCA stuff. I'm afraid even though the card was taken out in the late 90's its all enforceable. There's about 2k left to pay.

 

I don't want them getting too snotty as they could push for a Tomlin order..

ONLY if you agree to it (which you never would)

Can you paste up a copy of the agreement?

Its just a std RBS type agreement. My solicitors looked at it and said its compliant. He has won a couple for me on a no win no fee deal, so he's on the ball. Well for a solicitor, lol!

any PENALTY charges/PPI?

dx

Nope.

I'm paying back small amounts to one of my credit cards

but recently they have been asking me to complete an I/E form to "make sure I can afford the payments".

They are threatening to pass my debt to a DCA if I don't comply.

I don't really want to get into the realms of an I/E discussion with them,

but neither do I want the debt passed to a grasping DCA.

Any suitable tactics to employ?

You don't have to complete an I&E; only a judge can insist you do that. They probably want to see if you can afford to pay more!

Which card is it?

DCAs tend to be a lot of wind, and they don't have powers like bailiffs. Some are nastier than others, but most of them can be seen off if you are firm with them.

DD

Oh I realise that they aren't worried about my financial health other than to squeeze more money out of me.

Its a Mint card now administered by the RBS.

I've had a bit of success with DCA's, but generally it seems better to keep the admin with the card company.

I don't know enough about Mint. Companies such as Barclaycard, Capital One and HBOS have their own in house DCA's and you don't have to worry about them at all. It might be worth looking at other threads to see who they use and who they pass their debts on to.

In all likelihood they will pass it onto a DCA whether you fill in an I&E form or not.

Even if they did pass it too a DCA, you should still ONLY pay the OC.

You can of course fill out your own I&E form, something along the lines of,

Income £500 Mth.

Expenditure £499 Mth.

They don't need to know ANY of the private and confidential info on where and how you spend YOUR money.

They have been getting my token payment for 4 years, no idea why they think It might be a bit much for me all of a sudden!

4 Years, who is it?

Have you done all the necessary checks etc?

Can't help thinking they're going to attempt fleecing you for another four years.

Hi, Yes, I've done all the usual stuff. I'm afraid its a compliant one. At the rate its going, it'll be a lot longer than 4 years!

Who is the OC?

Who is collecting it?

Have they bought it or are they simply collecting it on behalf of the OC?

Have you reclaimed all of the charges and fees?

Have you reclaimed any PPI if there was any?

What is the date of default on your credit file?

The OC is one of the RBS cards and the credit card operation in Southend are the lucky recipients. No charges and fees, and its been going since 2004. I've done all the CCA stuff and its a fairly watertight contract, unlike some of the others I have had the pleasure of firing off. CAG has been very helpful in that respect, LOL!