Can anyone advise if this is valid? Thanks

OK I THINK THIS IS BIG Image of BIG BIG MINT - Photobucket - Video and Image Hosting

the other six pages are printed terms and conditions with no signatures from them or me and printed off their computer

http://i536.photobucket.com/albums/ff325/tomtomtomlondon/SCAN1.jpg

Will try with photobucket

Sorry is this better?

Hi Have attached MINTS RESPONSE FOR A CCA. Missed two payments and immediatley got a default and was passed over to Moorcroft. Moorcroft demanded the money and threatened court proceedings. Sent a CCA to them and got a reply as follows "We are unable to provide a copy of the signed consumer credit agreement as we are no longer dealing with the account. Please send all future correspondence to our client" I then sent a CCA to MINT. Got an application form back and a six page photocopy of terms and conditions printed off a computer with no signature box. They also sent me a copy of my latest statement. They said that they have not sold the account and that their insolvency and client support are managing my account. 3 Days later WESTCOTT sent me a letter demanding full payment. The next day they sent another letter saying that I should call them and their client is willling to accept a reduced payment. Any advice please?

Will they then take legal action ? At what point should I offer a settlement?

Any advice would be appreciated

Can anyone give advice please?

I dont have a scanner so I cant do that. Can i take a photo of it?

Hi Sent a CCA to MBNA. They sent back an application form. Wrote again saying it was not a CCA. They wrote back a FINAL RESPONSE LETTER. The letter essentially said please carry on making payments to your account or "further action will be taken" What do I do next? Any advice welcome. THANKS

Hi Mint HAVE sent a copy of the CCA but it was just the application form. Moorcroft have returned it to MINT without sending one. Now its Wescot who are demanding payment. By sending this letter what am I essentially saying? Prove who I am and that its me who took the card? Im a bit confused?

Thanks for offering to send it. If it goes back to Mint then what? They claim that its a valid CCA and that they have fullfilled their obligations. They have even said they will not enter into any further corespondence about the matter and if im not happy to write to the financial obundsman. Do I do that?

Ive been looking on the forum. Does anyone have a "prove it" letter. Thanks

Do I also say that Moorcroft could not provide a CCA?

Thanks for your help. If i send the "prove it" letter then after that do i then send the CCA letter? When they come back with the application form again. Then what do i say?

Hi Really need some aadvice as very confused. Have an outstanding debt with MINT for 5,000 pounds. Missed two payments and immediatley got a default and was passed over to Moorcroft. Moorcroft demanded the money and threatened court proceedings. Sent a CCA to them and got a reply as follows "We are unable to provide a copy of the signed consumer credit agreement as we are no longer dealing with the account. Please send all future correspondence to our client" I then sent a CCA to MINT. Got an application form back and a six page photocopy of terms and conditions printed off a computer with no signature box. They also sent me a copy of my latest statement. They said that they have not sold the account and that their insolvency and client support are managing my account. 3 Days later WESTCOTT sent me a letter demanding full payment. The next day they sent another letter saying that I should call them and their client is willling to accept a reduced payment. I have a few questions. 1. Who do I deal with. Westcott or MINT? 2. Do I make an offer to settle? 3. Do I call or write again. If i write to Wescott do i have to start all over again with a CCA? PLEASE HELP!!