Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

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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.

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  1. #1
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    Default old RBS MINT CC debt, now with Wescot

    Got a problem with MINT credit card (RBSicon).

    I have had the card for about 7 or 8 years now.
    When I first applied for it on the internet and was approved,
    I never used it very much.

    My husband also had a card as a second card holder.
    He ran into serious credit card debt problems and in a desperate attempt before finally going under, he transferred just under £6000.- onto this MINT card as a balance transfer.
    He then went bankrupticon and had his debts basically written off.

    I am however now landed with £6000 on this MINT card for which I am liable I have been told.

    I came to an agreement with MINT to repay the amount at £26.- per month until the balance is repaid.
    They stopped interest and charges and refunded all charges they ever levied.

    This agreement has been in place since 2006 and I have got the written agreement from them in letter form to confirm the £26 per month until the amount is repaid.
    Currently the oustanding balance is £5216.03

    Now two months ago they sent me a letter to say the 'temporary agreement' on my account was due to be reviewed and my new monthly payment was £144.-

    I sent them a letter back explaining that the agreement was never temporary but permanent and sent them a copy of their own letter dated 2006.
    I sent that recorded and they received it.
    I heard nothing in reply.

    Today I got a new bill showing my minimum payment as £2379.- per month and the footnote that I had failed to make a minimum payment.

    I have maintained my £26 / month religiously since 2006, I assume they are referring to the £144.- they imposed last month

    I have written them another letter back explaining the situation, but is there anything else I can do ?


  2. #2
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    Default Re: MINT (RBS) credt card debt problem

    Have you every CCA'd them?

    Keep up your payments of £26 for now as this will be to your benefit until you see what they send in response to the CCA Requesticon.

    Many companies/DCAs have come unstuck by becoming too greedy

    Every journey begins with a single step

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    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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  3. #3
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    Default

    marvellous they always get greedy in the end.
    ..you could send for your agreement and we will advise on enforceability..
    ..the letter templatesicon for this are in the libraryicon on this site..

    ..if the agreement is unenforceable then theoretically you could start to withhold payment.
    ..this may give you a lever in order to get the original agreement you had back in place

    ...i am wondering though what they would do if you continued just to pay what they agreed to?
    they would certainly look silly in court when you produce the letter..
    ..personally i would send for agreement and take it from there





  4. #4
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    Default Re: MINT (RBS) credt card debt problem

    You could also add the following to the above letter:

    If you intend to send a reconstituted copy of the CCA you must declare the reason why it has been reconstituted and if the original exists and in what form (microfiche) etc.

    Every journey begins with a single step

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    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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  5. #5
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    Default Re: MINT (RBS) credt card debt problem

    thanks HS but that line is already in letter in 3rd paragraph..had already added it to my supply of templatesicon..after you mentioned it in another posting..


  6. #6
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    Default Re: MINT (RBS) credt card debt problem

    I applied for the card on the internet at the time so don't have any paperwork here myself. They just sent me the card at the time as far as I remember.

    No, I haven't CCA'd them yet, as the application is post 2000 I thought they would most likely have an enforceable agreement as I was under the impression it is mainly the pre-2000 ones that are sometimes either gone or iffy.
    As I have already made payments since 2006 , is that not an acknowledgement of the debt anyway ?

    I find it strange that they just up the payment from our agreed £26.- to £144.- without any communication and then say I failed to make a minimum payment and up it to over £2000.- the next month. All without any letters or communication. That is just what is printed on my monthly statements.
    They should realize themselves that this is ridiculous. £2000.- is double my monthly salary.

    So you suggest I CCA them anyway and see what they have in hand ?


  7. #7
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    Default Re: MINT (RBS) credt card debt problem

    oops teach me to read though d4g

    Phantom, no it applies up to 2005/6, the older the alleged debt the more likely it is that they will not have the correct paperwork.

    Every journey begins with a single step

    Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

    If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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  8. #8
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    Default Re: MINT (RBS) credt card debt problem

    well worth asking for the agreement..at least if they dont have it or it may be unenforceable..puts you in a much stronger negotiating position


  9. #9
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    Default Re: MINT (RBS) credt card debt problem

    OK - thanks.
    Will do that and see what they have on file.


  10. #10
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    Default old RBS MINT CC debt, now with Wescot

    I have got an old credit card debt with MINT cards,


    I have been paying them off at £27.- per month for years and have got around £3000.- left to pay.

    They have now given this debt to Wescot to manage (sometime last year).

    I haven't received any statements since then, but continue to make my monthly payments to MINT.

    Aren't they obliged to send statements


  11. #11
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    Default Re: old MINT CC debt, now with Wesco

    To manage, or did they sell it?

    You should get a statement at least once a year.

    have you ever CCA'd mint?

    because paying them 27 a month for years, and they havent done anything.... its pretty strange. Normally theyd have either sold it on, or taken you to court themselves.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  12. #12
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    Default Re: old RBS MINT CC debt, now with Wescot

    I would suspect interest is frozen so theres no need for statement


    you can safely ignore wetcloths
    they don't buy debts
    so I would suspect if you read their letter its says 'our client' and that will be RBSicon.


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    Default Re: old RBS MINT CC debt, now with Wescot

    old and new threads merged


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  14. #14
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    Default Re: old RBS MINT CC debt, now with Wescot

    Thanks for merging threads.
    Interest is frozen and RBSicon / Mint agreed quite a while ago to accept £27.- per month until the balance is paid off.
    I received monthly statements but they have now stopped. Haven't had one since last August.

    Wescot just said they are managing the debt, I don't think they actually bought it.

    Their letter gave me new account details to make payment to, or alternatively if I had a standing order to MINT I could just continue to pay like that and Mint / RBS would ensure the money is allocated correctly.

    So if they send me a statement once a year that will be fine ?


  15. #15
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    Default Re: old RBS MINT CC debt, now with Wescot

    as I said read the wetcloths letter
    it will say our client..who is?


    wetcloths don't buy debts.


    yes you are correct the owner of the debt should sent an annual statement.

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  16. #16
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    Default Re: old RBS MINT CC debt, now with Wescot

    The letter says ' your royal Bank of Scotlandicon account is now being managed directly by Wescot'
    It says they have taken over the management. So no, they haven't bought it.
    RBSicon (MINT) used to send me a monthly statement but stopped sometime in August last year.
    So I'll probably get an annual one now.



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