Marc Gander - The Consumer Survival Handbook


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

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1

    Default RBS Mint Card CCA - Is this enforceable?

    Thanks to all the great advice I received here regarding sending CCAs and then posting the responses from creditors I advised my mother who is bogged down with debt and struggling to meet her payments to go down the CCA route.

    She sent a CCA Requesticon to Mint (RBSicon) for a credit card and got the following response:

    http://i513.photobucket.com/albums/t...MintLetter.jpg

    Then there is the agreement (a filled in and signed application form), along with a set of terms which were supposedly overleaf:

    http://i513.photobucket.com/albums/t...tAgreement.jpg

    http://i513.photobucket.com/albums/t.../MintTerms.jpg

    Is this a proper agreement and is it enforceable?
    If so then she will arrange a payment plan?
    If not then is there a standard letter I get her to send to them saying the document is unenforceable?

    Along with that they sent what seems to be an account summary:
    http://i513.photobucket.com/albums/t...intAccount.jpg
    http://i513.photobucket.com/albums/t...ntAccount2.jpg

    Also they sent a copy of the terms and conditions booklet:
    http://i513.photobucket.com/albums/t...t/RBSTerms.jpg
    http://i513.photobucket.com/albums/t.../RBSTerms2.jpg

    Thanks for advice as usual, I hope I can ease some of my mum's worries

    Similar Threads:

  2. #2

    Default Re: Mint Card CCA - Is this enforceable?

    I cannot give you the answer as I'm no expert in this. I've only replied to give you the bump. In my humble opinion I'd be surprised if that was not valid. Most of the card companies were aware of discrepancies on CCA's well before the date of yours so it should be spot on. Wait for a more experienced member to reply.


  3. #3

    Default Re: Mint Card CCA - Is this enforceable?

    Again not a definitive answer.

    It rather depends on what the small print on the agreement says - I can't read it on the copy.

    The terms do appear to be from that era but there would need to be a link from the agreement and, if they rely on these it would be up to them to prove it is indeed, the back of the agreement.

    Good news is, I have a string of C/Card agreements from between 1995 & 2000 and not one is enforceable.

    Can you read the small print on the agreement, on the copy you have been sent?

    David



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