Hi Everyone,

Just got a reply from Mint with my alleged CCA, which looks like it is an application form has various parts missing as part of the 1974 CCA, could someone with a bit more legal knowledge take a quick look and advise me of the errors and the next steps to be taken

Thanks

Sorry here is the CCA

Your CCA from Mint would at first glance seem to be an enforceable agreement, providing those copies are legible. The first document is the current Terms and conditions, the second document is the reverse of the "application form" and unfortunately contains the "prescibed terms", the last contains yours and their signiature. Should they persue you in court, they would have to produce the original document, to prove doc 2 is the reverse of the application form. Since these might well be microfiche copies, they could have some difficulty.

Thanks griffin036

With it only being an application form, doesn't this make any differance. and also it doesn't mention anything about default charges so could i claim these back.ie late payments etc.

As discussed in many threads, an application form, providing it has the right heading ( ie Credit agreement regulated by the .....) and containing the prescribed terms within the four corners of the document and signed by both the creditor and the debtor, and in a legible form, is a legaly enforceable agreement.

As for claiming back default charges it is hard to give advice without more background information to the account and its current status, and why you CCA'd them in the first place.

Thanks griffin036

I CCA'd them just out of intrest really, my account is ok, but have paid default charges for late payment or going over my limit, which happened not to long ago, I did ring them to ask why they let me go over my limit they repiled with in case it was an emergency they will let you go over your limit. (I think so you have to pay them a default charge which i had to).