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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Mint/Triton now cabot


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Hi there, I am a new cagger. I also have the same problem. I originally requested a CCA from Mint and they sent me a copy of my signeed application form some 21 days after request. I then advised that the account is in dispute, (letter downloaded from CAG forum). Mint have now passed the debt to Triton credit service who have requested the whole amount of £4300. What should i do? Would really appreciate your help.

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Hi, essexzed.

 

I've started a new thread for you.

 

Regards.

 

Scott.

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Any advice I give is honest and in good faith.:)

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Hi, welcome to the forum. Has the debt been sold or are Triton just operating on behalf of Mint? I would advise Triton that the account was already in dispute with Mint and send the letter that Sam in the previous post and given you the link for. It needs a little adapting

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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Hi, welcome to the forum. Has the debt been sold or are Triton just operating on behalf of Mint? I would advise Triton that the account was already in dispute with Mint and send the letter that Sam in the previous post and given you the link for. It needs a little adapting

 

Thanks a million everyone! Adapting the letter means just address details i take it??

I will do the necessary and keep you all updated. 8-)

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Pretty much, dates, names etc. Ensure that it is all relevant to your case, remove info or add info if appropriate

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My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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Hi Guys,

Once again, thanks for the info. I have prepared the letter and just about to post it recorded delivery and suddenly my phone rings... It was of course triton credit services. I didn't know what to say, so i told them that i did not want to discuss anything on the phone and that they will be recieving a letter from me.

Did i do the right thing?

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  • 1 month later...

Hello once again all, I hope everyone is well.

since my last letter, i received a call from triton but i refused to talk to them. On the 28th March i received a long letter from Mint. I will try and scan it in so you can read the contents. but the essence of the letter is as follows: The letter first outlines Mint's understanding of my complaint then it covers details of Mint's investigation and how they followed the consumer credit regulation properly. The letter is concluded with an apology and a statement to confirm that they are UNABLE to uphold my complaint and that the debt will need to be paid.

The letter gives 8 weeks to reply. But before the 8 weeks i received a letter from triton credit services threatening a CCJ or court proceedings. I hope this gives you an insight into my situation and would welcome advice on my next step. I will try my level best to scan both letters in by tommorow. Sorry don't have a scanner, have to rely on my brother.

Thanks again caggers!!:-)

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Hi essexzed

 

I wouldn't worry too much about Triton. dcas will threaten al kinds of things but I reckon if you look at their letter closely it is full of "might", "may", "could" blah, blah.

 

Triton can do nothing to you....the account is in dispute with the OC so stuff Triton. Sending you an application form isn't complying with the CCA request and until they can comply the account remains in dispute.

 

You are doing the right thing by not talking to Triton on the phone. You are under no legal obligation to discuss personal financial matters on the phone. So there!

 

I would write back to the OC and say that they have not complied with the CCA request as they have sent you an application form and until such time as they do comply the account is in dispute.

 

Are there any charges on the account that you can claim back? I take it this is a Mint Card?

 

Also, a previous post asks whether the debt has been sold to Triton or whether it has just been passed to them to collect. and the answer is.........?

 

ims

 

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Hi Esse

 

As Cerberusalert says Try it on Sorry Triton are the banks in house DCA , I have had dealings with them and they can be very slipery you are doing the right thing by not speaking on the phone to them if you do they will try allsorts to try and get cash from you they are bulleys , so everything in writing also if you send letters to them by RD they sometimes show as not delivered on Royal Mails track and trace so if they show up as in the system or smilar ring RM and ask them to confirm delivery apparently the items dont show as they get signed for in bulk by someone from RBS and Triton are very good at saying they have not received any corspondence from you .

Good Luck

CB

Still Fighting 4 PPI claims getting there slowly :smile:

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Thanks Ims21,

I just took a sigh of relief!!, as mentioned below, Trtiton, i believe are in house DCAs. In response to your question, yes this is a MINT visa credit card. I don't think there are any charges except the original debt, which totals £4,309.34. I have been paying this at £10 per month interest free up until the account was in dispute.

In the letter that Mint sent me, they are adamant that they sent me "a copy of the credit agreement that i signed". All i remember receiving is a signed copy of my application form.

I take it now i can just sit tight? Triton stated that they have recommended to Mint(royal bank of scotland) to instruct solicitors to recover this debt.

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Hi

 

You say that as far as you remember you got an application. maybe a slly question but is there some doubt in your mind? If so I would send another CCA request to make sure.

 

Other threads seem to suggest that they won't want to go to court without a valid document.

 

Shame there are no overlimit or late payment fees though. Do you have the statements so you can check?

 

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Hi

 

You say that as far as you remember you got an application. maybe a slly question but is there some doubt in your mind? If so I would send another CCA request to make sure.

 

Other threads seem to suggest that they won't want to go to court without a valid document.

 

Shame there are no overlimit or late payment fees though. Do you have the statements so you can check?

 

OK IMS, i will make a thorough check of all the paperwork i have received and get back to you, but i am pretty sure that i only received a copy of signed application with T&C's.

I have kept most of my statements, what exactly am i looking for? late payment fees?

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  • 3 weeks later...

ca7.pdfHello again fellow caggers,

I had to invest in a scanner, because things were getting a little worrying. I have attached copies of the letters received from MINT and triton. in order of receipt.

The letter from mint dated 28/3/2011 is a response to my letter which advised that the account is in dispute. (i downloaded the template from CAG)

and then the other letters followed. page 4 and 5 of Credit agreement will be in next post. can only upload 5 pages per post.

ca6.pdf

ca3.pdf

CA1.pdf

ca2.pdf

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