Hi All

Ok, been away from the system for a few month now but feel I need to get involved again to stave off the 'Hunters'.

Missus received a default notice from Mint, re late payment. What annoys me is that she chooses to still pay this card? yet it never reduces?

So like the other bits n bobs am gonna try to 'sort ' this for her. Questions are...

1. Are defaults accepted/legal?

2. Is section 78/ dsar, still applicable

3, what's best way to query the validation of the debt?

Thanks in advance.

Mr Hesitant but returning.

Hi All

 

 

Ok, been away from the system for a few month now but feel I need to get involved again to stave off the 'Hunters'.

 

 

Missus received a default notice from Mint, re late payment. What annoys me is that she chooses to still pay this card? yet it never reduces?

 

 

So like the other bits n bobs am gonna try to 'sort ' this for her. Questions are...

1. Are defaults accepted/legal? YES

2. Is section 78/ dsar, still applicable YES

3, what's best way to query the validation of the debt? CCA/DSAR

 

Thanks in advance.

 

 

Mr Hesitant but returning.

What we will need is more details, when was the account taken out was it done online? are there any fees to reclaim like PPI late fees, when was the default sent to her? has she got all the statements? Has she received any NOA ( notice of assignment) when was the last time you made a payment? things like this so the whole story will help us help you thx

MM

Hi MM.

The card was taken out over five yr ago, we know nothing of ppi. card payments are up to date ( Balance under £500.00 ) we have never ever queried this card either.

Ta

you need to get all of the statements for teh past couple of years and see what has been paid and what charges have been added to the account. If she is paying a minimum then the interest addes wil mean that it can take 247 years to pay off the balance. I bet that there are other charges as well so worth totting those up as they are probably reclaimable.

if taken out after 6/4/2007, then no real point with cca request. Mint in my experience are pretty good at refunding late payment/overlimit charges so obtain all the statements by way of SAR if you dont already have them, do your spreadsheet at their int rate and send letter requesting refund

Cheers Eric and Rouge, gonna do an sar from the library

Ta