I have today received this copy agreement from MINT and would really appreciate advice regarding its enforceability.

I don't think everything is shown on my single page with my signature

and I assume the "here is your replacement card letter" and clear copy of the CCA is a reconstruct.

Thankyou!

mintcca001.pdf

mintcca002.pdf

mintcca003.pdf

hard to say but if it is a reconstruct they should have told you in the covering letter

thanks for your reply, PGH. I have attached the covernote now.

I hope somebody will be able to clarify if all the required info is shown on my original agreement,

which looks like a photocopy. maybe there is an overleaf or page two they have omitted?

attachment here! oops!

mintccacovernote.pdf

covered themselves then they have stated cpy agreement

Im not sure they have.

My real problem is with the orignal agreement, upon which is my signature.

What they have supplied does not appear to be a complete agreement.

Ignore the reconstruct as they wouldnt be able to rely on that in court.

im having difficulty finding the requirements for an agreement. ie, what must be shown....

When was the account opened?. I notice that the fees for over limit etc are £12 on the t & cs - this was the recent rate wasn't it? So if you have had this card since before they were reduced by most companies then that is not the relevant terms and conditions is it? Just a thought

When was the account opened?. I notice that the fees for over limit etc are £12 on the t & cs - this was the recent rate wasn't it? So if you have had this card since before they were reduced by most companies then that is not the relevant terms and conditions is it? Just a thought

Feb 2004... Interesting point though. I have a feeling they are supposed to supply the original t and c's too?

Hi

How did you get on with this ?

I have received exactly the same from them.

Let me know please

Hi all,

I haven't posted for four years or more as I thought all my debts had gone away

today I got a letter from CABOT Financial and MINT.

It's all in order in that MINT have stated they have sold the debt and CABOT have included a NOA.

However, this is a historic debt on the cusp of becoming barred

and no matter how hard I search through the threads

I can't really decide WHEN it became barred, or will become barred.

Perhaps I can get some helpful advice here!

Long story short I got the CC in 2004 and got into difficulties in 2009. The timeline runs like this:

07/09/10 Default registered at CRA

10/08/10 Letter of Termination from MINT

05/07/10 Default Notice issued by MINT

29/12/09 Last payment to MINT

However,

I was originally being responsible and communicating with them but that changed

when they (IMHO) issued a dodgy default notice so the following dates are also relevant:

19/05/10 Letter to MINT in which debt is acknowledged

25/06/10 Letter on a different matter to MINT but referring to letter to MINT dated 19/05/10

05/07/10 MINT acknowledge both letters

The facts surrounding the dodgy default are irrelevant here

but can I rely on SB clock starting on 19/05/10 or am I being too optimistic?

Thanks in advance for any help?

its statute barred

ignore them

until/unless they issue a claimform.

old and new threads merged.

IMO I would go with July this year as SB, BUT I would not inform them of this UNLESS they attempt court action, let it drag out.

Thanks Dx and Baz.

Small update for you...

Had a text from Cassie at Cabot on Thursday last week. She would really like to talk to me!

Checked my credit file via clear score and found that 1st Credit performed a search on 25 Aptil.

In June my credit score halved to 170!

I would attach screenshots but can't seem to work out how to via my iPad.

Anyway, I'm not panicking...

Forward the text messages to 7726 (SPAM) on your phones keypad.

Forward the text messages to 7726 (SPAM) on your phones keypad.

Good call!

Update. Have had a number of calls from 0344 556 0229.

I don't generally take calls from such numbers but I am expecting a call from a Public Sector Dept

and answered it.

It was Cassie from Cabot!

I denied receiving a letter and I declined their invitation to answer security questions stating I have no idea who she is.

She was quite insistent that she needed to talk to me about a personal financial matter.

She said she could send out another letter. I said sure, you do that.

I will await the letter and revert back to you guys here for advice!

Now I know the number you can be sure it won't be answered ever again!

You could send them the telephone harassment letter.

I could indeed, Boo!

I will wait and see what I get in the post....

In light of your threads being merged, you should just ignore them from now on, unless and until they issue a court claim, then ignore.

But the likelihood of that is remote.

Roger!

attachment here! oops!

This is incorrect the £1 statutory fee is for processing your CCA request and not for a credit to your account, this needs correcting IMHO...

By adding this as a credit your account they hope to restart the SB clock so be wary....

This is incorrect the £1 statutory fee is for processing your CCA request and not for a credit to your account, this needs correcting IMHO...

 

 

By adding this as a credit your account they hope to restart the SB clock so be wary....

It's OK, Mikey - that letter is over 6 years old. I haven't posted the latest one and have no intention of letting clocks be reset, or indeed, pendulums held!

A well worn trick which DJ's are well aware of, there is no possibility of the fee ever resetting the clock, it matters not what they do with the fee, it can never reset the clock.

Had a lovely letter from Cabot arrive Saturday morning....

They have recently confirmed I live at "the above address" and have recently bought the account I held with MINT...

They are going to help me manage my account and receive future payments.

They will be in touch soon and look forward to talking to me...

I can't wait! I'm so excited...

LOL...