My husband has a account with Mint and has been paying £2- per month by cheque to Mint which they have accepted.

Wescot have now taken over the administration of the account

(my husband had a letter from Mint saying that they have partnered with Wescot who will now manage the account and please continue to maintain your existing payment to us).

He has received a letter from Wescot saying that he should now be paying them directly.

Does he continue to pay Mint directly.

Thank you

why are you paying? Is this an enforceable debt?

When did your husband take the mint card out?

Is there any ppi to reclaim?

There will also be numerous default fees to reclaim too.

Some more info on the debt please

Ignore wetcloths

They don't buy debts

And anyway

A DCA is NOT a bailiff

And has

No such legal powers

H martin2006 and dx100uk

I meant to say that my husband had a Mint credit card before 2007 and was paying them what they were asking for to March 2011 (this being the last time that he had charges for).

Then he wrote to Mint saying that he was in financial difficulities and could only afford to pay £1-50 per month (now £2-) to which Mint agreed

So am I right in believing that he should still pay Mint and ignore the DCA's

You can reclaim any of those fixed fee charges like overlimit charge, failed dd charge, late payment charge which in many cases will wioe out what your husband owes and probably give you a few quid to boot.

Then theres ppi, did he have any?

Do you have all the statements?

You start with sending a SAR to mint, fee is £10 but will get you all the info, statements etc you need to start a reclaim.

Also as its a pre April 2007 card i would send a CCA request for a cooy of the agreement. They must have the original and if not, or if its faulty, they cannot enforce it.

Alternatively, he can carry on blindly paying mint forever.

you totally ignore the DCA wetcloths too

they are not bailiffs

Thanks guys, that is what I thought