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
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    Default 1st letter from Wescot re Mint Card Payments

    Hi
    I’m hoping someone can point me (and my father) in the right direction.

    This is the back story.


    I helped my father resolve visa problems around 5 years ago whereby his APR was increased and monthly payment amounts raised – he was paying the interest only per month on his cards with one company requesting nearly 35% APR.

    He has successfully (with the help of forum users) paid off all but one company.
    We managed to negotiate “Full and finalicon” payments with all but one of them.


    I believe one company tried to go with a debt collectionicon Agency but we wrote to them explaining the debt was not with them but the original Visa company.


    The last visa company (Mint), was offered 1500 in full and final payment around 5 years ago.
    They refused. The debt was for around 3300.
    He has then successfully negotiated a monthly direct debiticon payment of 5 (this is with the APR remaining at 0 (zero).
    He is 68 years old and his income is very low.
    He can only afford to pay 5 per month.
    He has explained to them over the 5 years what his income and outgoings are.
    His “spare” money only equates to 5.00 every month.
    They have accepted this until


    last month when he received a lettericon from Wescot.
    This letter informed him that they are happy to accept the 5.00 payments per month (for now).

    He has received a lettericon from Mint explaining all information regarding his account will be direct from Wescot.
    However, he has then received a Mint Visa bill requesting 1555.00 be paid immediately!
    This is obviously extremely worrying and I would like to know what is the best action to take.

    Do I contact Mint for him and explain that the debt is with Mint
    – no payments have been missed and their agreement of 5 per month has been broken (by them).

    Do I make contact with Wescot and inform them that I fully understand they have paid my fathers debt.

    I would greatly appreciate any help on this as he is looking to make contact this week if possible.

    Thank you
    Chris


  2. #2
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    Default Re: Father got 1st letter from Wescot (advice please)

    Ignore wescot. They have no legal rights.

    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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  3. #3
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    Default Re: Father got 1st letter from Wescot (advice please)

    Also can i ask if wescot say they are acting on behalf of mint?

    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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  4. #4
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    Default Re: Father got 1st letter from Wescot (advice please)

    Cheers for quick reply - I'll get the letter off my father and uploadicon it today. Thanks.


  5. #5
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    Default Re: Father got 1st letter from Wescot (advice please)

    make sure to redact any personal, but im pretty confident you can ignore their begging letters

    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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  6. #6
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    Default Re: 1st letter from Wescot re Mint Card Payments

    wetcloths don't buy debts
    it will say 'our client' XYZ [who is?}
    you can ignore them totally
    a DCAicon is not a bailiffs


    when was the card opened please?

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  7. #7
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    Default Re: 1st letter from Wescot re Mint Card Payments




  8. #8
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    Default Re: 1st letter from Wescot re Mint Card Payments












  9. #9
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    Default Re: 1st letter from Wescot re Mint Card Payments

    Hi

    The Mint card "contract" is around 8 or 9 years old.
    I've just checked with him and he has never missed a payment with the last one coming out on the 14th July.
    Its a standing order which is set up.


    Cheers.


  10. #10
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    Default Re: 1st letter from Wescot re Mint Card Payments

    wetcloths are only acting as agents - no powers at all!

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    Default Re: 1st letter from Wescot re Mint Card Payments

    Safe to totally ignore wetcloths

    As you always should any DCAicon

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  12. #12
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    Default Re: 1st letter from Wescot re Mint Card Payments

    Thank you for your last few comments


  13. #13
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    Default Re: 1st letter from Wescot re Mint Card Payments

    they dont even say that they arent accepting the fiver a month so keep paying it.


  14. #14
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    Default Re: 1st letter from Wescot re Mint Card Payments

    You need to get your father to cancel the direct debiticon and pay via standing order only.
    A Direct Debit's amount can be varied with no knowledge to your father until the money has left his bank account, a DCAicon will not care if a 68 year old man goes hungry.

    If your father is on a low income then drop the payment to 1 per calender month, if your father has only 5 per month left spare then he is entitled to some spare money 4 per month for emergency expenditure.
    Yes the DCA will start kicking and screaming threatening Court etc.etc. but a DCA shouts the loudest because they know full well that a DCA is at the bottom of the receiving pile when it comes to paying bills and creditors.

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  15. #15
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    Default Re: 1st letter from Wescot re Mint Card Payments

    Thanks for information - yeah, I made a slight error..he IS paying by standing order which is excellent and good you've confirmed it's the right path.

    Looking at the posts here I think a letter is going to go to Mint and explain that if they require a recent expenditure form - it can be supplied along with the fact no payments have been missed and the agreement of paying them 5.00 per month has not been broken.


    I'll maybe post on here first before I send, just to confirm I've got all the "i's" dotted and "t's" crossed.


    Thanks


  16. #16
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    Default Re: 1st letter from Wescot re Mint Card Payments

    Your last letter has a name printed, you have removed address etc but left a name of Mr Txxxx


  17. #17
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    Default Re: 1st letter from Wescot re Mint Card Payments

    Thanks for that - I must be cracking, up but how do I edit a previous post?

    Thanks


  18. #18
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    Default Re: 1st letter from Wescot re Mint Card Payments

    done it


    dx

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  19. #19
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    Default Re: 1st letter from Wescot re Mint Card Payments

    Quote Originally Posted by dx100uk View Post
    done it


    dx
    Thanks for that.


  20. #20
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    Default Re: 1st letter from Wescot re Mint Card Payments

    How does this sound....cheers

    Dear Sir

    As you are fully aware, I have received a lettericon from “Wescot Credit Services Ltd” (a debt collectionicon Agency) – with the letter dated 8th July 2016.
    The letter informs me that my account is now being “managed (?)” by this Debt Collection Agency. It also confirms that I will continue to pay my Mint (Royal Bank of Scotlandicon) Visa bill the total sum of 5.00 (five pounds) on a monthly basis with the next payment due on the 28th July.
    It also states clearly that “if” an agreement has already been setup with Royal Bank of Scotland (which it has), that I can leave all instructions for payments in place (which they are – by standing order).

    I am fully aware of my rights and would recommend that you continue to agree to your side of our agreement and continue to accept my offer of 5.00 (five pounds) per calendar month.

    As a 68 year old, retired man, I have little income with my only income being my state pension.

    I am quite prepared to confirm my income and outgoings with the usual expenditure form that Mint supply every year or so.

    What I am extremely surprised about but certainly not worried about in the slightest, is the extortionist amount that Mint (Royal Bank of Scotland) believed I could afford to pay on my July Statement. This laughable figure of 1628.17 was demanded and expected to be paid by the 22nd August 2016. I would suggest that you take a look at my agreement with your company and you will find that I have not broken any agreement and will continue to pay 5.00 (five pounds) per calendar month.

    You are welcome to take me to court if you believe I have broken any agreement with you but I assure you that this could and would almost certainly result in any judge reducing my affordable payments to you. At present, I am actually struggling to pay your company 5.00 per month.

    I would finally like to inform you that I will not be replying to any letter/phone callicon to the Debt Collection Agency (Wescot) you have so kindly appointed to “manage my account” and I would recommend you inform of that. I fully understand that a Debt Collection Agency has no legal power at all – I’ll repeat that last bit... they have no legal power at all. If Wescot Credit Services Ltd decide at any stage to enter any part of my land a cost/invoice of 1000.00 (one thousand pounds) will be charged to them directly. My so-called “debt” is with Royal Bank of Scotland and I will continue to deal directly with the contact information I have with Royal Bank of Scotland.

    If I receive any threatening letters or phone calls from Wescot Credit Services Ltd, I will take this as harassment and court action will pursue. I would recommend to inform them of that as you obviously have direct dealing with them.

    In conclusion I am happy (at the moment) to continue paying Mint (Royal Bank of Scotland) 5.00 (five pounds) per calendar month to pay my “debt” which at present stands at 3078.23 as of my July 28th 2016 balance.

    Thank you



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